PPI Reclaiming discussion

daynurse

heathy wrote: »

Hi there, I phoned them and asked for a copy of the tapes of all our telephone conversations. They sent me a 'Data Protection' form to complete and to return it with a fee of £10. I had the tapes back in about 1 week.

hi can you tell me if they are recorded tapes or written as the conversation is had I will wait for there response to my first letter if im not happy i will request the transcripts and send letter 2 have asked for a settlement figure am curious to see what it will be and hopefully find a more decent lender tried to cancel the policy they offerred less than 20% therefore on top of my loan i would still be paying 6700 its dissgraceful ive said its not acceptable if i settle the loan early the rebate for early settlement im sure will be dire and we will owe a lot more than we borrowed its a vicious circle

smitchy73

Elsie,

The time limit isn't in effect from when you opened the loan, it is from when the last payment or the last time you heard from the bank in relation to that loan, so if you're in England it's 6 years, and Scotland 5 years.

Hope this helps

Elsie,
Forgot, you have to allow them 8 weeks from your first letter for a full and final repsonse, then some people if they haven't received anything positive by that time give them a further two weeks, then go to FOS, you have to appear to be reasonable and thats the timeline set out by them.

smitchy73

mark,
yes i would take it further, sounds very much like they are trying to fob you off.

smitchy73

cheqmate,
There are address's in the Main Bank Threads on the full list back on the main money menu, if not there, do a search in the forums, GE money is one of the worst!!

YEOSAL

HI

Self employed since 1998.
LLoyds Tsb loan Nov 2001 over 60 months. £1400 ppi!!
DFS - Nova Finance Dec 2001 over 36 months. £240 ppi!

Sent first letters to both. Lloyds tsb said no and dont bother with FOS as out of time.
DFS rang and was incredibly rude to me! Got letter from them saying no.

Looks like I wont be able to lodge with FOS. Any ideas please???? Feel really foolish that I have been duped by them, but this is genuine misselling of PPI as only found out i had been paying for this after i had found this site and dug through all my old paperwork.

garethjohnw1980

about 4 months ago i cancelled my ppi on my credit card , i ask why i was paying it and they said that i must have asked for it , i knew i didnt . they said that they would check my file but suprise suprise they couldnt find it . can i claim all the ppi back ?

mac_saver

cheqmate06 wrote: »

My partner had store cards with both Debenhams and Evans. Both had PPI paid on a monthly basis and i now want to start the ball rolling with regards to reclaiming it.Has anyone had any dealing with GE Money and does anyone know where i send the letter to?

Thanks

Cheqmate06

Hi,
Just started claim with GE Money on my wifes Evans store card, address I used was; GE Money
PO Box 700
Leeds
LS99 2BD
Not 100% sure if its the correct address for claims but I have found that the letters normally find the right people!! Send registerd though.

Hope this helps.:D

jrobinson4

Does anybody know if Citifinancial are settling or are they stringing it out???

masson1974

please dont let welcome finance stress you any more
i have just won a battle with them thanks to this is money please go onto there web site and read my story.
https://www.thisismoney.co.uk
then search all stories for welcome finance and scroll down to my story headed i was forced to buy ppi
post a comment and they will take over your complaint they can talk to people that we never get close to speaking to.
really please all take my advice it was a weight off my shoulders when they helped me they can give welcome bad publicity

larf

Hi, if there is anyone in the know who could help with this, I'd be pretty grateful. The bank has made me an offer which I am considering, they have added 8% statutory interest to the offer. In my letters I have asked for 8% interest which is the amount the court would award to be added up to the time the dispute is settled. What I want to know is, would a court normally award 8% compounded interest up to the present, or a one-off amount of 8% interest added to the offer? There would be a big difference in the amount of money involved. Are there any calculators I could use to work out how much the interest should be, once I've established which of the abo ve scenarios is more likely to happen? I feel I have been deprived of this money for all the time since I took out my policies, and that I should be awarded 8% compounded interest up to the present.