PPI Reclaiming successes and failures

di3004

julieprit2 wrote: »

Hi Guys

Could someone maybe work out what my claim back would be roughly on the following:

PPI £3.30 per month
over 36 months
Taken out in June 2004
19.8% Interest

Thanks just found something else with PPI :-))

Hi Julie

Niggly I'm sure will look at these later for you, he is a right whizz.:T;)

di3004

kittykattreats wrote: »

husban just got letter back from black horse saying no.
not a happy camper, have been waiting since last september.
have a couple of issues;
1-he didnt know what insurance was in first place
2-when he phoned to cancel it he was told sure it only costs a couple of pound a month, didn't know £45 quid was classed as a COUPLE of pound
3-last september he lost his job and tried to claim on it, but because he had taken payment breaks before this they told him he wasnt covered
4-when he did take the payment break of a month he was lead to believe that this would just be an extre month added to end of loan, instead it ended up an extra 3 months
there seems to be an awful lot of descrepencies about what was said and how many payment breaks actually taken etc
unfortunately my husband (before he was my...) was in the school of throwing everything out so we dont have much paper evidence.
do we just contact FOM and what are our chances?????
very disheartened at mo, and unfortunatly was counting on the money coming threw (bad i know)
anybody else any experiences like this

Hi

Personally I would write back, even if this was the final decision, tell them they have totally missed the point here and have overlooked the complaint, as they do not seem to have taken into consideration the reasons for being mis sold.

For one you need to tell them, the policy was/is worthless, on trying to make a claim they would not pay out, so therefore it cost you money that you have been deprived of.

Tell them, if the policy was explained in the first place then maybe your husband would have known what PPI is, so basically the staff were unprofessional, and did not sell this policy in his best interest, but just their own.

It will be a matter of numbering the reasons out to them again, and I would also ask them for a copy of the phone call.

Ask if they will consider looking at this case again and state if you hear nothing by 7 days you will take this matter further.

Good luck.;)

julieprit2

di3004 wrote: »

That is unusual :eek:
But yet again this was posted by someone before if I recall on this correctly.
How dare they though!:mad:

Maybe you could call into the local branch and ask if they would kindly enclose any details (but free of charge) do this first.;)

id have to fly to mainland as no Lloyds over here lol :rotfl: They should know, they posted the letter here! Being delibrately awkward me thinks ....

di3004

julieprit2 wrote: »

id have to fly to mainland as no Lloyds over here lol :rotfl: They should know, they posted the letter here! Being delibrately awkward me thinks ....

oh yeah pmsl :rotfl::rotfl::rotfl::rotfl: what a way to go hey? lmao :rotfl::rotfl:

I would still send to the DSAR address, they must oblige to this.;)

julieprit2

di3004 wrote: »

oh yeah pmsl :rotfl::rotfl::rotfl::rotfl: what a way to go hey? lmao :rotfl::rotfl:

I would still send to the DSAR address, they must oblige to this.;)

hehe think i will :rotfl:

smitchy73

julieprit2 wrote: »

id have to fly to mainland as no Lloyds over here lol :rotfl: They should know, they posted the letter here! Being delibrately awkward me thinks ....

Can't you go in to a Halifax Branch they are the same group now and I think all the accounts are linked also.

julieprit2

smitchy73 wrote: »

Can't you go in to a Halifax Branch they are the same group now and I think all the accounts are linked also.

Oh, I'm not sure actually and didn't realise that!! Will maybe give them a call then and see if they can help! Cheers :beer:

di3004

smitchy73 wrote: »

Can't you go in to a Halifax Branch they are the same group now and I think all the accounts are linked also.

Oh yes of course now why did I not think of that!:D:rotfl::rotfl: good one.:T:T

smitchy73

di3004 wrote: »

Oh yes of course now why did I not think of that!:D:rotfl::rotfl: good one.:T:T

Well you're a year older Darling Di, these things are to be expected, I have my own senior moments at least twice a day, usually how to find my way home from work, and my pin number for cash card, lol

Niggly_2

julieprit2 wrote: »

Hi Guys

Could someone maybe work out what my claim back would be roughly on the following:

PPI £3.30 per month
over 36 months
Taken out in June 2004
19.8% Interest

Thanks just found something else with PPI :-))

Credit card or loan

N