PPI Reclaiming successes and failures

The_Marksman

IANC wrote: »

I think in most cases the confusion relating to the time barring is that it is supposed to be any financial product that was repaid within the last 6 years rather than the start date of it being within the last 6 years.

So if you had a loan that started in 1995 and was repaid in late 2005 (ie within 6 years ago), the institutions are more than happy to repay to the start date of the loan.

This is a grey area and some lenders are using this confusion to their advantage.

Some lenders are repaing PPI even on agreements that finished longer than 6 years ago, to try and keep valued customers.

May have a little light on 6 year time barring etc

The Limitation Act offers any long-stop mechanism so that if you concealed the facts one year ago then you do not merely accrue an additional year of liability. I think that a single instance of concealment invokes s.32 and the limitation barrier falls away completely.

Concealment amounts to a question of the morality of the defendant's action. Once this is established then I do not believe that the courts will strive to give them any help.
I understand this is also confirmed by case-law.

In fact it seems even if a concealment has occurred even after the breach in question has occurred, the limitation period still falls away.

If the banks want to challenge this then it is up to the claimant to respond at least with the arguments above and then if the bank want to rebut this, they can rebut it with a statement of truth.
I doubt whether any of them would dare. They are already getting in too deep as it is.
A statement of truth which is made knowing that it is false or reckless as to its truth is a contempt of court. I do not believe that the banks would go this far.

so that may mean that the 6 year time barring is bank fob off?

who knows??? I know that just confused me! :rotfl:but like a well known supermarket every little helps lol

smitchy73

cpol wrote: »

trying to reclaim ppi from yorkshire bank. They sent a letter 4 weeks ago saying they would be in touch over the next 4 weeks however that period has now elapsed and no word from them. How long should I give them? Should I be bombarding them with e/snail mail?

Use this email to contact them quoting your loan account number

[EMAIL="AQU.PPI@eu.nabgroup.com"]AQU.PPI@eu.nabgroup.com[/EMAIL]

I received a reply back the next day saying a letter had been sent out on the 12th July, which I then received exactly 7 days later, askign for another 4 weeks, which giving them even 6/8 weeks will be better than 18 months with FOS, unless of course they reject your complaint.
Good luck and keep us posted, if you also have a look there is a thread on CB/YB timeline thread, this lets everyone know that average timelines with different people.

The_Marksman

smitchy73 wrote: »

Use this email to contact them quoting your loan account number

[EMAIL="AQU.PPI@eu.nabgroup.com"]AQU.PPI@eu.nabgroup.com[/EMAIL]

I received a reply back the next day saying a letter had been sent out on the 12th July, which I then received exactly 7 days later, askign for another 4 weeks, which giving them even 6/8 weeks will be better than 18 months with FOS, unless of course they reject your complaint.
Good luck and keep us posted, if you also have a look there is a thread on CB/YB timeline thread, this lets everyone know that average timelines with different people.

topmarks!

id allow them the 8 weeks given to most banks

fight_the_power_2

amersall wrote: »

Hopefully you will have this monday, if not,then tell them you are going to FOS.
This is out of order.

And mondays been a gone a still no sign of my cheque am getting:mad: now this getting beyond a joke

The_Marksman

fight_the_power wrote: »

And mondays been a gone a still no sign of my cheque am getting:mad: now this getting beyond a joke

try to stay calm, the good news its been upheld and its on its way

fight_the_power_2

The_Marksman wrote: »

try to stay calm, the good news its been upheld and its on its way

I am trying my very best to stay calm am just getting desperate so skint had to borrow the money off my brother in law to pay for my cars mot ,very embarrassing

di3004

cpol wrote: »

trying to reclaim ppi from yorkshire bank. They sent a letter 4 weeks ago saying they would be in touch over the next 4 weeks however that period has now elapsed and no word from them. How long should I give them? Should I be bombarding them with e/snail mail?

Hi there

Defo chase them up for an update, good luck.;)

Smamfer

HappyDale wrote: »

Hello, yes i emailed them through santander website. Yes i had my account number,thats all:j This was from a loan from March 1999 then another loan from September 2000.

Good luck with your claim, i am sure Santander will sort this out for you:)

when i email santander using the letsworkitout@alliance-leicester.co.uk all i keep getting is an auto response email from santander saying..

Hello

Thanks for your e-mail.

This is a receipt to let you know we've received your message, and we'll reply as soon as we can.

We want to make certain that your information is kept as safe as possible so we do ask that you don't supply any of your account details on an e-mail. If you do need to ask us about your accounts, please give us a call. To find the most appropriate telephone number, please visit our website:

https://www.santander.co.uk

From the homepage:

· Click on ‘Contact Us’ in the top right-hand corner
· Click on the relevant product type on the left-hand side


Please note - A NUMBER OF FRAUDULENT E-MAILS ALLEGING TO BE FROM SANTANDER ARE CURRENTLY IN CIRCULATION.

The e-mail encourages users to click on a link.

Please do not click on the link and do not enter any confidential information.

Santander will never send you an e-mail asking you to click on a link, or to enter, reconfirm or change your security or card details. We will never ask you to tell us your passwords by e-mail or over the phone.

If you think you may have revealed your security details in any way, please call us immediately on 0845 600 4388. We're available 7am to 11pm Monday to Saturday, and 9am to 9pm on Sunday.

You can also help Santander by forwarding any Phishing email you receive to:

phishing@santander.co.uk

We can’t respond directly to any questions via this e-mail address, but all e-mails are processed, and urgent action is taken against Phishing sites identified.

Regards
Santander Customer Services

To help us improve our service we may record or monitor phone calls.

Am i right to wait for them to get back to me using the email address i am using for them or you think it would be better for me to go thru the Santander website even tho it was initially for an Alliance & Leicester loan?

thanks in advance

di3004

Smamfer wrote: »

when i email santander using the [EMAIL="letsworkitout@alliance-leicester.co.uk"]letsworkitout@alliance-leicester.co.uk[/EMAIL] all i keep getting is an auto response email from santander saying..

Hello

Thanks for your e-mail.

This is a receipt to let you know we've received your message, and we'll reply as soon as we can.

We want to make certain that your information is kept as safe as possible so we do ask that you don't supply any of your account details on an e-mail. If you do need to ask us about your accounts, please give us a call. To find the most appropriate telephone number, please visit our website:

www.santander.co.uk

From the homepage:

· Click on ‘Contact Us’ in the top right-hand corner
· Click on the relevant product type on the left-hand side


Please note - A NUMBER OF FRAUDULENT E-MAILS ALLEGING TO BE FROM SANTANDER ARE CURRENTLY IN CIRCULATION.

The e-mail encourages users to click on a link.

Please do not click on the link and do not enter any confidential information.

Santander will never send you an e-mail asking you to click on a link, or to enter, reconfirm or change your security or card details. We will never ask you to tell us your passwords by e-mail or over the phone.

If you think you may have revealed your security details in any way, please call us immediately on 0845 600 4388. We're available 7am to 11pm Monday to Saturday, and 9am to 9pm on Sunday.

You can also help Santander by forwarding any Phishing email you receive to:

[EMAIL="phishing@santander.co.uk"]phishing@santander.co.uk[/EMAIL]

We can’t respond directly to any questions via this e-mail address, but all e-mails are processed, and urgent action is taken against Phishing sites identified.

Regards
Santander Customer Services

To help us improve our service we may record or monitor phone calls.

Am i right to wait for them to get back to me using the email address i am using for them or you think it would be better for me to go thru the Santander website even tho it was initially for an Alliance & Leicester loan?

thanks in advance

Hi

Yes do this through the Santandar email and express you're concerns to them, tell them as well its not going anywhere and your still waiting for a response, hopefully they will be able to check this out for you and help, good luck.:)

Smamfer

di3004 wrote: »

Hi

Yes do this through the Santandar email and express you're concerns to them, tell them as well its not going anywhere and your still waiting for a response, hopefully they will be able to check this out for you and help, good luck.:)

Thank your darling, can always rely on you and me to be up at silly o clock lol


Before i do, do you think i would be able to just copy and paste the original email i sent to them?