PPI Reclaims not covered by the FOS

petermb_2

marshallka wrote: »

OK. Just never seen that section being mentioned on here before. As I read it it seemed to relate to the personal injury or death claims.

Thanks for explaining

The reason being that most people, including those very loosely deemed to be fellow claims professionals, have looked at it in exactly the same way as you did.

The claims industry is an insular breed and in many cases it is the blind leading the blind and then things get passed on third hand.

amh1_2

Hi-

I am new to the forum and I have joined following some mixed success in re-claiming PPI from MBNA. The policy was taken out in 2004. Following a complaint to the FOS the claim was upheld however there now seems to be problems and the FOS states that they are in 'discussions' with MBNA re policies pre 2004.

Has anyone else faced this problem. I note that the FSA regulated MBNA since 2001.

Paolo1980

I have reached a similar point as many of the previous posts in trying to reclaim PPI on a Dorothy Perkins store card taken out on 21st September 2001.

This now comes under Santander and I have received the standard response saying it was not mis-sold because they have a signed agreement, we had 30 days to cancel, they had no obligation to record the sales process etc....

They have then referred me to the FLA, which reading this thread sounds like a waste of time. I am only claiming a small amount in comparision to many of you c. £270 plus interest, but this is against a total balance of £370.

Rather than waste time with the FLA can anyone recommend a firm of solicitors that would consider such a small claim? Or any other routes I could take?

Many Thanks

ANY_CHANCE

showergirl wrote: »

Hi Natalie,

It's good to hear from you again.

Let's hope this will help you with your claim against M & S

Does this mean i should complain re misselling by Norton and they will now look at the case? would they add it to my complaint of unfair rebate?

di3004

ANY_CHANCE wrote: »

Does this mean i should complain re misselling by Norton and they will now look at the case? would they add it to my complaint of unfair rebate?

Hi AC, I would ring the FOS to ask, many have said on here they have been so I would ring to make sure first, no harm done, good luck hun, and hope your well.;)

Di
XXX

ANY_CHANCE

thanks Di, i havnt read the whole thread yet,
just trying to catch up on the curent thoughts on this x

ps im good thanks Happy bithday btw xx

di3004

ANY_CHANCE wrote: »

thanks Di, i havnt read the whole thread yet,
just trying to catch up on the curent thoughts on this x

ps im good thanks Happy bithday btw xx

Hi AC.:D;)

In regards of these "Single premium policies", these are the ones that have been said to have been resubmitted, so worth giving it a go.;)

Glad your good and thanks hun.:A XX

marshallka

ANY_CHANCE wrote: »

Does this mean i should complain re misselling by Norton and they will now look at the case? would they add it to my complaint of unfair rebate?

They would couple it I would think any chance. That is what they originally did with mine and its a problem also with mine now. I went for misselling originally in April, 2008, no joy as everyone unregulated at the time so I then just said unfair rebate. It was against the insurer I was told (new to me!!) and also Di the same for one of hers. I then complained about the terms of the policy also and they have now said that my complaint has three elements. I then told them I only want one outcome and it being a fair rebate from the "three" elements and they are getting the Ombudsman to look on tuesday and get back to me hopefully Wednesday next week. Its been a night mare from the start.

PaulinWeston

Paolo1980 wrote: »

I have reached a similar point as many of the previous posts in trying to reclaim PPI on a Dorothy Perkins store card taken out on 21st September 2001.

This now comes under Santander and I have received the standard response saying it was not mis-sold because they have a signed agreement, we had 30 days to cancel, they had no obligation to record the sales process etc....

They have then referred me to the FLA, which reading this thread sounds like a waste of time. I am only claiming a small amount in comparision to many of you c. £270 plus interest, but this is against a total balance of £370.

Rather than waste time with the FLA can anyone recommend a firm of solicitors that would consider such a small claim? Or any other routes I could take?

Many Thanks

hi Paolo 1980 - I have just successfully reclaimed for a PPI policy from Santander (on behalf of my mum actually). I cobbled together a very detailed letter from this and other consumer sites stating why the policy was mis-sold and requested the return of the premiums plus interest at the APR on the card (I argued that I was entitled to interest at this rate rather than the statutory 8% because the money would have otherwise been used to repay the card!). Santander totally agreed and paid (my mum) all the money claimed (about £400) plus they gave her £80 as a goodwill gesture.

I'm happy to forward a coopy of the letter if you think it'd help.

Paolo1980

Yes please that would be excellent.

I'm still weighing up the options on what to do next.