PPI Reclaiming successes and failures

sunny8_2

nutty_nat wrote: »

Hia Nat, i didnt realize you had dealing with Central trust...they declined my complaint this year so it has been with the FOS since May....they seem hard nuts to crack, do you mind me asking how your complaint was upheld and what they have been like with you? xx

I don't mind you asking me at all . Back in 2005 we took a loan out with Firstplus but central trust was the broker so the £10,000 of ppi had to be got back from central trust who in June offered us a low offer of £2000 so I put that part in the hands of the FOS, who told me last week I am about three weeks away from adjudicator stage, they said that Central Trust has been very slow sending them our file. I wonder why!! Have you reached the next stage yet? In 2006 we topped up our loan directly with Firstplus and was charged another £21,000 of ppi which we won last week as you know. Firstplus have been better to deal with than Central Trust why would you send somebody just a really low offer they really are a tough bunch. How much PPI do they owe you? [/QUOTE]

Hi nat i think its about £2500 - so not much compared to yours
I complained to them in march and they sent about a 5 page letter to state why they were not in the wrong - i was devastated as i thought we would of got it right back with it being such a rip, anyway, i asked them to reconsider...big resounding NO...so on to the FOS i went & hope i win...they should wear balaclavas!!:mad::mad:
Let me know how you get on nat...good luck :)xx

sunny8_2

GaryBC wrote: »

Following the proscribed format.....

What are you reclaiming: PPI
Who is the provider: Central Trust
How much did you get back: So far - nothing!
Did you get it back after a letter or did you go to the Financial Ombudsman: Initial complaint made to Central Trust started July 2010 - nothing. Escalated to adjudicator Feb 2011 - who found in our favour - nothing. Escalated to ombudsman May 2011. So far - nothing. Informed 19th September that it could be another year!!
And then write your brief rant: A year on from initially complaining, to be told it could be yet another year, is totally unacceptable. If I miss just a handful of mortgage repayments I'll be in court within months. Who do I complain to to get the FSA to get it's act together and unstick our money? So far we are owed c£10k. By this time next year it will be nearly £12k!?! We're already deep in the financial do-do and the £130 a month we're still paying for a defunct PPI could be all it takes to get an IVA - we could now be well on the way to getting out of the merde!! It makes me wanna @#/%$!!!**!

OMMMM!!!!! Yours serenely,
Gaz

Thats awful Gaz, i would constantly email the FOS & FSA as only them can do something about this...if they have ruled in your favour, this should have been sorted ages ago :mad: but as usual they are getting away with it...and know it!!!:mad::mad::mad:xx

sunny8_2

Congratulations and good luck to all :money::money::j:money::money:xx

plumfin

Hi all, need a bit of advice. MBNA have upheld a PPI complaint and paid £1280 off my card last week, as agreed. However, this has not wiped the arrears off, which is what I thought would happen. I called MBNA today, and after 25 minutes on hold, the lady said they couldn't wipe the arrears off, even though they chose to pay the card directly, rather than me, and then I pay the card. They can't organise a refund so I can pay them, which would clear the arrears. They advised me to put another complaint in, which seems stupid. Can anyone advise on what I should do? Thanks

MattyA

moggy2009 wrote: »

barclays recieved my acceptance on the 6th they told me last week it will be the end of the month to recieve my money rang again today they told me it might be a bit longer:mad::mad::mad::mad::mad::mad:

Well done for getting through to them at least!
I have been trying for over a week and have spent hours on hold without (yet) speaking to a real person.....just the happy chapie on the message telling me that 'lots of people are ringing them today.

Like you(and others it appears) they had my acceptance letter early September and I have not seen a penny yet....:mad:

Matty

klflosser

MattyA wrote: »

Well done for getting through to them at least!
I have been trying for over a week and have spent hours on hold without (yet) speaking to a real person.....just the happy chapie on the message telling me that 'lots of people are ringing them today.

Like you(and others it appears) they had my acceptance letter early September and I have not seen a penny yet....:mad:

Matty

What number are you ringing? I got through twice today in under 10 minutes each time.

colemole

hi there i am wondering if any one can help me i am looking for some contact details for Welcome Finance for my partner he had a loan with them ages ago and is still paying it off they screwed him over and i want to try and see if he had ppi on the loan
i know that they went bust so how do you go about doing this
any help will be great

sunny8_2

hey guys....update....update...:p:p

After contacting CB last week after they requested i speak with them & them telling me that they uphold 1 of my loans (I had 3, they were all rolling/refinance) i emailed the CEO & PPI mamanger to explain that under FSA guidance, banks should consider all loans blah,blah,blah..;) anyway, emailed the PPI manager back tonight to ask if they had chance to read my email amd clarify if they would look at my other loans or i would need to SAR them (which i already have...wasting no time ) and i have just got this response....
."We are in receipt of the further email sent and a further review has been completed we will be in touch with you in due course to confirm our position"....... (dances) what do you all think??
Do you think they will look at my other loans or give me the brush off? :)xx

GaryBC

sunny8 wrote: »

Thats awful Gaz, i would constantly email the FOS & FSA as only them can do something about this...if they have ruled in your favour, this should have been sorted ages ago :mad: but as usual they are getting away with it...and know it!!!:mad::mad::mad:xx

Does anyone know of a higher authority to go to? Strikes me its just one big cosy club - and they're all just closing ranks to protect each other!!

sunny8_2

GaryBC wrote: »

Does anyone know of a higher authority to go to? Strikes me its just one big cosy club - and they're all just closing ranks to protect each other!!

Dont know mate, maybe one of the other superstars will be along soon & give you some advice:cool:xx