PPI Reclaiming successes and failures

EllBee

Thanks Pinkniko and Di.

I'm waiting for someone from the FOS to call me back. I phoned yesterday - unfortunately the lovely man whose dealing with me and has been in contact with Loans.co.uk is off sick so I spoke to a girl who told me to wait till Monday but I said I wasn't happy to do that - she's supposed to be calling me back after contacting Loans.co.uk. In the meantime I've sent an email to the FOS stating that I want a direct payment. I think my best bet is to get the phone number of the person the FOS have been dealing with at Loans.co.uk and call them myself. Its ridiculous the way this has gone. If it wasn't for all the fantastic success stories on here I don't think I'd bother putting myself through this again but I'm going to have a go at the AA next!!!

Yes, Pinkniko, I did go through the adjudicator. (I think that's what you asked me - I'll check again when I've posted this!!! My brain's turning to mush with all the stress!!!!!) :eek:

EllBee

pinknico wrote: »

I hope EllBee that you can get them to put this direct into your bank account, Egg did for me and I see no reason why this cant happen with Loans.co.uk.

Did an adjudiacator or Ombudsman resolve this for you?

Thanks for your reply. It was an Ombudsman who resolved this, although after the adjudicator agreed the PPI had been missold I waited months for a final decision only to discover that my case had been put back into the pile waiting to go through the adjudicator!! Once that was sorted out it took about a week for the Ombudsman to resolve it.

I can't see any reason why Loans.co.uk can't pay directly into my bank account either! I'm sure they'll come up with some excuse though.

pinknico

If it was an Ombudsman then the decision was legally binding but I hope you dont have to go down the court route to get your money back.

Your idea of getting the number yourself is the best idea then you can give them the bank details etc.

kindofagilr

Would I have a case, I opened a Captial One card in Nov 2004 and I cant remember if I had PPI or not

Does anyone know if they added it automcatically?

Is it worth me sending them the £10 cheque with the request for info letter?

di3004

kindofagilr wrote: »

Would I have a case, I opened a Captial One card in Nov 2004 and I cant remember if I had PPI or not

Does anyone know if they added it automcatically?

Is it worth me sending them the £10 cheque with the request for info letter?

Hi hun

If this account is still running, you should have monthly statements, but other than that you can try requesting for a copy of your agreement, enclose a £1 postal order or cheque payment, they should send by 12 days, just write a simple letter for this, this should be fine.

The agreement will or should disclose if PPI were taken out.;)
Post by recorded delivery.

Hope this helps.X

kindofagilr

Hi thanks for your reply

Stupid question coming up lol I do have this account open still and I can view estatements online, where would it say do you know? if I had ppi?

bean64

kindofagilr wrote: »

Hi thanks for your reply

Stupid question coming up lol I do have this account open still and I can view estatements online, where would it say do you know? if I had ppi?

It will appear on the statement as a transaction e.g. PPI or PPP with an amount which will be a small percentage of your card balance.

babyellis

Hi I wrote to BOS 12 weeks ago telling them that I was missold PPI, today I recieved 3531.71 ( sorry pound sign don't work ) mind you I did have to keep on their backs and at one point they tried fobbing me off with big words but I stood my ground, really happy with the result. Good luck everyone, stick to your guns.

melorablack

babyellis wrote: »

Hi I wrote to BOS 12 weeks ago telling them that I was missold PPI, today I recieved 3531.71 ( sorry pound sign don't work ) mind you I did have to keep on their backs and at one point they tried fobbing me off with big words but I stood my ground, really happy with the result. Good luck everyone, stick to your guns.

Well done :beer: Out of interest, what did they do to try and fob you off?

kindofagilr

bean64 wrote: »

It will appear on the statement as a transaction e.g. PPI or PPP with an amount which will be a small percentage of your card balance.

Thank you

Just checked and I dont pay PPI so I guess I never did