PPI Reclaiming successes and failures

marshallka

jimbean82 wrote: »

yes on both

Right, you only need to give them 8 weeks from the 1st letter so wait for that time and if they still do not reply then you can take this to the FOS without a final response.

bathgatebuyer

Hey all, came home from some Xmas shopping this morning to find a letter from the FOS in response to my hardship claim. It said (drumroll please), "I write to acknoledge safe receipt of your correspondence dated 9th Dec". And that was it!

This has been going on since May and I'm bored of them now!!! wish they would just hurry up and make a decision. In fact, if I could have anything for Xmas, it would be that.

marshallka

bathgatebuyer wrote: »

Hey all, came home from some Xmas shopping this morning to find a letter from the FOS in response to my hardship claim. It said (drumroll please), "I write to acknoledge safe receipt of your correspondence dated 9th Dec". And that was it!

This has been going on since May and I'm bored of them now!!! wish they would just hurry up and make a decision. In fact, if I could have anything for Xmas, it would be that.

Perhaps you could send them a Christmas wish list and put it at the top!!

It is so annoying when all they do is "your comments have been noted". :mad:

I hope you get another before christmas actually doing something about it.

sue149

yipee got my cheque this morning its only took about 2 \weeks how quick is that wished they where all like that :beer: :j

Neptune76

Hi Everyone,


Just a quick note to update you all on my A&L claim.

Got cheque yesterday for £1400 :money:


Thanks Martin.

fairmorn308

evening guys am new to this thread

I have 3 loans - 2 x welcome 1 x british credit trust

I want to start claiming the PPI back from them. can anyone point me in the correct direction regarding how to guide on doing it all.

Also i did ages ago send a letter regarding it to welcome but they replied saying no really so havent done anything since

marshallka

fairmorn308 wrote: »

evening guys am new to this thread

I have 3 loans - 2 x welcome 1 x british credit trust

I want to start claiming the PPI back from them. can anyone point me in the correct direction regarding how to guide on doing it all.

Also i did ages ago send a letter regarding it to welcome but they replied saying no really so havent done anything since

Firstly, this would be better on the PPI reclaiming Discussion thread and there are plenty to help you through it there. Can I ask what your reasons are for trying to reclaim though...? You should have really pursued this then as they may have sent you a final response in order to take this complaint to the Ombudsman and you have to do that within 6 months of the letter.

Anyway if you are making another complaint (a fresh one now!!)
Just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck


I presume you have your reasons as you have already written to Welcome but how long ago was that??

di3004

fairmorn308 wrote: »

evening guys am new to this thread

I have 3 loans - 2 x welcome 1 x british credit trust

I want to start claiming the PPI back from them. can anyone point me in the correct direction regarding how to guide on doing it all.

Also i did ages ago send a letter regarding it to welcome but they replied saying no really so havent done anything since

Hi there hun
I would take Marshallka's helpful advice on this and please feel free to also post on the actual thread here:
http://forums.moneysavingexpert.com/showthread.html?t=1251243&page=246

Like what Marshallka also said, you will receive the help and information you require for this matter on the above added link.

Good luck and please keep us posted, cheers.;)

Di

biggerl1960

Hi just wondering if anyone was having prolems with A/L, I spoke to them on 30/10/08 regarding my PPI complaint after reading Martin's article.
They gave me a case number and also sent a letter stating that I sould get a reply soon. I called them this morning to find out if there was any updates all they can tell me is that they are still looking into it and they have eight weeks to resolve my complaint and also if it was not resolved I was well within my rights to contact FOS.
My eight weeks run out on Christmas Day

di3004

biggerl1960 wrote: »

Hi just wondering if anyone was having prolems with A/L, I spoke to them on 30/10/08 regarding my PPI complaint after reading Martin's article.
They gave me a case number and also sent a letter stating that I sould get a reply soon. I called them this morning to find out if there was any updates all they can tell me is that they are still looking into it and they have eight weeks to resolve my complaint and also if it was not resolved I was well within my rights to contact FOS.
My eight weeks run out on Christmas Day

Hi there
Well I do hope you hear earlier, but know in these it will be that of the full 8 weeks that they are entitled to.;)
If you have not heard say by 2 days before Xmas, get a Financial complaint form prepared just in case, fingers crossed you will hear before that.

I have not had any dealings with these myself and am sure others will post on these later for you.

You can either ring the FOS for a hardcopy of the complaint form over the phone where they will post within the first week of requesting this, or you can download on their website here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Good luck.;)
Di
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