PPI Reclaiming successes and failures

amersall

Kuffs1978 wrote: »

Good news! Well...sort of.

Heard from the adjudicator this morning, who informed me that her manager has agreed that my sister's case should be fast tracked. We're hoping that since the adjudicator made her decision on April 14th it won't be too long until it reaches the ombudsman. However, we'd appreciate a little advice, since the adjudicator has given my sis until August 15th to submit any further comments or arguments she may have. I think I've already explained that she was advised to take on the PPI as it would provide a 'safety net' if her DLA and self employed income should stop. We're wondering if it might help to send the same DLA award letters to the FOS as was sent to Norton Finance. As I've mentioned before, NF have denied that a pre-existing medical condition was disclosed, but the award letters explain in considerable detail exactly why my sis receives the higher rate. I'm almost certain that the agent selling the policy was somewhat 'economical' with the facts, in order to 'tick the boxes' and justify the sale. I've read that these people get something like 70% commission on the sale of such policies, which is certainly a motivation.
My sister is also fairly sure that in terms of her self employed income, she was asked what her anticipated income for the next 12 months would be, as her work for the previous year had been a little unstable. The last thing I want is to give advice on submitting info which could potentially jeopardise the situation, when what has been submitted so far has been successful. Any advice would be very much appreciated guys. Thank you.

Hi there, glad to hear this is being "fast tracked" :D

Only send info that you have sent to Norton.
As you say,you dont want to put a spanner in the works at this moment in time,although i dont think the self employed info would do any harm,as this goes to prove that she earned money and could pay the loan?? wait for others opinions on this as others may have a different view.

di3004

Extremely busy today folks...:eek:

But well done to all the winners.

Congratulations to all.
:beer::beer::beer::beer::beer::beer::beer:

LynK_3

amersall wrote: »

Hi there, a SAR should produce all info for accounts they hold on you,this will be £10 but well worth it if you get the info you need,the £1 would be,in my opinion a waste of money as this would not (dont think anyway) the older loans that had ppi on.

Thanks, have it all printed out, you don't happen to know the postal address of where I should send it to for Santander?

amersall

http://alliance-leicester.co.uk/customer-service/write-to-us.aspx

You could try this,unless anyone knows another one.

Rae115

hey Lynk - i called cassandra today as im going awayt to get PP - i pust say i am impressed told me if i am able to get a call from where i am going i can always reverse the charges to her she will accept to give me present position.

She has passed to ppi team to gather info but will keep hold as she wants to ensure this matter is settled . gave her number for where i will be staying she even asked me time difference and said she will give me a call - so when i get back will let u know.

rae23

I have quite a few loans and credit cards going back the last few years, i was wondering if i would be better to get a 're-claiming company' to take over all of this for me? Does anyone know or have used any reasonable ones please?
I have started one off with the Halifax but i'm having a lot of trouble trying to get them to understand and also Barclays are saying they don't hold my records anymore!

Would appreciate any help/advice pls

LynK_3

Rae115 wrote: »

hey Lynk - i called cassandra today as im going awayt to get PP - i pust say i am impressed told me if i am able to get a call from where i am going i can always reverse the charges to her she will accept to give me present position.

She has passed to ppi team to gather info but will keep hold as she wants to ensure this matter is settled . gave her number for where i will be staying she even asked me time difference and said she will give me a call - so when i get back will let u know.

Great, have a fab holiday.

She rang me today, have to say very pleasant lady. She says they are currently trying to retract all my details from the archives I am a priority case (made me feel quite important lol!) so it can take a bit of time. She will call me on Wednesday again to keep me updated.
Hopefully both of us will have favourable outcomes very soon.

LynK_3

rae23 wrote: »

I have quite a few loans and credit cards going back the last few years, i was wondering if i would be better to get a 're-claiming company' to take over all of this for me? Does anyone know or have used any reasonable ones please?
I have started one off with the Halifax but i'm having a lot of trouble trying to get them to understand and also Barclays are saying they don't hold my records anymore!

Would appreciate any help/advice pls

Absolutely not, the lovely people on here will help you step by step, I hadn't the first clue what I was doing, and their help to me has been quite immense. I cannot sing their praises high enough.

nanna79

Hi All

I have recieved a reply from Simply Be and they are not playing ball.. They state the insurance they provide is a "non-advised basis" which means they present you with the key facts, exclusions and terms and allow you to make up your own mind!! They have offered to refund £160 (last 6 months payments) as a goodwill gesture.. Considering i have paid nearly £1800 over the past 6 years i think this is pretty poor.

Do you think i should go to FOS or accept the £160??

Nanna x

MattyA

amersall wrote: »

I cannot get my head around really how the 8% works,it should be (i am told) to the day they pay you out,having said that you will have been given FOS redress,so i wouldnt think the bank would not give you this,ring FOS and ask how the 8% works then you have ammunition to go back to the bank with.

Good luck with this - you will need it.

I have been on to them today about the 8% in relation to an offer relating to a credit card PPI mis sell claim.
It was like talking to a robot,they could not comment on my specific case,I didnt ask for that just how they would calculate the 8% / when it would kick in as I belive the lenders offer is bending the rules to suit....just went round and round in circles with them reitterating the company line....I am no clearer now.

I do now believe they are erring on the side of the banks,now that the banks have started to bulk clear cases.....call me a cynic if you wish.

Matty