PPI Reclaiming discussion

m.colak

elsieo wrote: »

thankyou again.
Yes have sent second and third letter. But will sent 4th even though telling me to get lost! the policy was 3979.55 plus total interest charge of 3172.45 so do I just go after 3979.55 with 8% on top or the total amount with 8% ontop and will that take me over the 5000 you mentioned?
I promise to stop asking questions! X

Ahhh this explains a little bit why they are a little slow on giving you're money back and for a small percentage i can help..... only joking really. At this stage you have to make a decision:

1. Go via small claims and claim up to £5k but know that the company can't claim costs against you if you don't win.
2. Go via normal courts with a solicitor where the costs could be greater

It's really a decision on whats more important to you... getting the moneyback with the minimum cost to yourself or making a big point against black horse. I can't advise you one way or the other however i would always err on the side of caution if its close to the £5k mark.

Good luck and hope this helps

What i would do is quote the full figure plus interest in the last letter but then add the settlement figure that you would pursue in court.

elsieo

m.colak wrote: »

Ahhh this explains a little bit why they are a little slow on giving you're money back and for a small percentage i can help..... only joking really. At this stage you have to make a decision:

1. Go via small claims and claim up to £5k but know that the company can't claim costs against you if you don't win.
2. Go via normal courts with a solicitor where the costs could be greater

It's really a decision on whats more important to you... getting the moneyback with the minimum cost to yourself or making a big point against black horse. I can't advise you one way or the other however i would always err on the side of caution if its close to the £5k mark.

Good luck and hope this helps

What i would do is quote the full figure plus interest in the last letter but then add the settlement figure that you would pursue in court.

Thankyou I will get on to it as soon as i've removed a years worth of dirt from the house and picked up the kids! Have you had the baby? Good luck if not!
X

m.colak

elsieo wrote: »

Thankyou I will get on to it as soon as i've removed a years worth of dirt from the house and picked up the kids! Have you had the baby? Good luck if not!
X

No still hasn't come am very impatient now. Poor wife couldn't sleep very well last night as junior was kicking like hell. Spent most the night cuddling her and tell her how wonderful she is am knackered as had to drive home last night. Am off work now for 4 weeks to help.

Sorry that just sounded weird work away from home travelled home last night and spent the whole night cuddling her and telling her how wonderful she is. Makes better sense now.

jen1972_2

hi there funny that i too was wondering if your baby has arrived yet....i have sent black horse a copy of my N1 form for court and have filled in the EX160A form which will exempt me from court fees due to the fact i claim working and family tax credits, don't know if black horse think i'm only joking but gave them 10 days from 5th jan and still no reply so its there choice the forms will be posted on wednesday

Manky66

Manky66 wrote: »

Hi Tiggrae or anyone who can help

Wondering if you or anyone else can help me again, trying to claim from Barclays for a mis sold PPI along side mortgage, as you are briefley aware I told you my husband is self-employed and always has been, well received a letter this morning(claim going back to 1999) just thought Id fill you in about letter and see what next step would be. They are saying that my husband was covered(you suggested to ask for terms & conditions I have not yet done that coz as you see the insurance company are up in Dublin not at branch but the insurance was still sold in our local branch not sure who to approach now ?) anyway here is some paraghraphs from letter

........Dear'''''''''

I understand that you feel you the mortgage care policy was mis-sold as you were self-employed bla bla bla.........

I have today spoken to a colleague from Barclays Insurance Dublin and they have confirmed that even though you were self-employed at the time policy was taken out, you were still covered for accident disability and unemployment.

Bla Bla Bla................................................................................
A mortgage advisor gives advice and recommendations on insurance policies available and ultimately this is then the customers decision to make an informed choice on the policy that is suitable for their requirements.

GET THIS - The Mortgage advisor does not discuss the TERMS and CONDITIONS of insurance policies, as at the time of interview with customer the insurance policy is not accepted. If accepted the agreement is made between customer and insurance company.

They then go on to say that Barclays Insurance Dublin would have sent us terms and conditions I dont remember that as I thought they were on back of policy which I have - no mention of self=employment at all and then they say we would have signed this to agree.

Bla Bla cancellations rights then get mentioned certain time to cancel

They go on to finish with - Given all circumstances, I am unable to uphold your complaint about your Insurance Policy was mis-sold

I am sorry if this is not the outcome you wanted Bla Bla Bla............
.....They then say I can go on to FOS

What do you think my next step should be because Im not giving up that easily !!!!!

Thanks in advance

just to let Tiggrae know I havnt used any of the advice you gave me in post 1674 yet bout misrepresentation or aquiring terms & conditions please could you help with next step Thanx again

Hi Again can anyone help with some advise for next step please !! I have contacted FOS said could have case and wrote 3rd letter to Barclays saying not happy with final response bla bla bla have I done enough if so I shall wait and see. All paperwork is copied and waiting to go!!

Thanks again

m.colak

jen1972 wrote: »

hi there funny that i too was wondering if your baby has arrived yet....i have sent black horse a copy of my N1 form for court and have filled in the EX160A form which will exempt me from court fees due to the fact i claim working and family tax credits, don't know if black horse think i'm only joking but gave them 10 days from 5th jan and still no reply so its there choice the forms will be posted on wednesday

As long as you have given them plenty of time to answer the claim don't worry as you are still in the right. Good luck and keep us posted as i will you all about the baby.

m.colak

Manky66 wrote: »

Hi Again can anyone help with some advise for next step please !! I have contacted FOS said could have case and wrote 3rd letter to Barclays saying not happy with final response bla bla bla have I done enough if so I shall wait and see. All paperwork is copied and waiting to go!!

Thanks again

It sounds like your ready to go and you have exhausted all reason with barclay's. The only thing i will say is be aware that going via the FOS will mean that the case will take a minimum of 3 months to get sorted. CHeck your financial position and how much the claim is for and then consider going via the small claims courts for quicker action. This isn't saying you would be better going via the courts its just saying that you still have that option. I would send another letter to barclay's about your decided course of action and as tiggrae states (very wise person) utilise the 1967 misrepresentation act as its there for our protection.

elsieo

m.colak wrote: »

No still hasn't come am very impatient now. Poor wife couldn't sleep very well last night as junior was kicking like hell. Spent most the night cuddling her and tell her how wonderful she is am knackered as had to drive home last night. Am off work now for 4 weeks to help.

Sorry that just sounded weird work away from home travelled home last night and spent the whole night cuddling her and telling her how wonderful she is. Makes better sense now.

You sound like a lovely husband! I remember the wait well it will all be worth it! and soon youll be to tired to remember!
best of luck to you both. xx

jpwhittle

can i borrow you my husband didnt do anything like that when i was due he just slept. even on labour day he had to have man flu. you sound perfect

m.colak

jpwhittle wrote: »

can i borrow you my husband didnt do anything like that when i was due he just slept. even on labour day he had to have man flu. you sound perfect

Thank you but i'm sure my wife will tell you am far from perfect (very far probably about morecombe to be honest.)