PPI Reclaiming discussion Part II

di3004

ElastiMum wrote: »

Hi There.
I'm a newbie to 'posting' so bare with me please. I think this is the right place to ask advice...
I recently posted a letter to Egg about reclaiming PPI on a loan I took out with them in 2004.l received the standard reply this morning saying they received my complaint and someone would be calling me to discuss.I'm just wondering has anyone else had this- if so what is involved in this call.I'm afraid they'll bully me into accepting that they weren't at fault!!!
Thanks so much....

Hi there
Instead of hanging around for them to ring you, give them a ring hun, the quicker you know what they have to say the better, but do not let them fob you off, because really speaking everything should be in writing in case you have to forward your complaint to the FOS.
If they do try to fob you off tell them you will not discuss anything over the phone and anything they say you want in writing.

Another letter can then be arranged to send them until you receive your "Final response", if still unsuccessful you can then move on to the financial ombudsman service.

Please let us know what they say hun and good luck!

Di,.
x

di3004

Marshallka

Wasn't there something going on today about Twopart/Eloan ?
Can't remember if it were them now or Essex County loans limited ?:rolleyes:
Think it was the 2nd one........:rolleyes:

marshallka

ElastiMum wrote: »

Hi There.
I'm a newbie to 'posting' so bare with me please. I think this is the right place to ask advice...
I recently posted a letter to Egg about reclaiming PPI on a loan I took out with them in 2004.l received the standard reply this morning saying they received my complaint and someone would be calling me to discuss.I'm just wondering has anyone else had this- if so what is involved in this call.I'm afraid they'll bully me into accepting that they weren't at fault!!!
Thanks so much....

Tell them when they call that you will only communicate by letter as you feel this way you have a copy for reference should your complaint have to go to the FOS.

marshallka

Andy750 wrote: »

Just one other question!!

In the first letter I got from lloyds it stated the following:

the fact that there was a cash loan and a loan for the loan protection insurnace together with the respective amounts.

In my eyes thats saying to me that its a loan+interest for £15000.00 then a loan for the PPI+interest, am I right in thinking that!!! :rolleyes:

If so, is Lloyds aloud to do this to its customers LEGALLY?

Many thanks for you help in this Question:beer:

That is what a single premium policy is. Its a policy that is paid for by the way of a loan. The policy is generally for only 5 years maximum and the loan can be for 20 odd years so you pay interest on a 5 year policy for all the 20 years of the loan.

They were legal but they are working on banning these.

marshallka

di3004 wrote: »

Marshallka

Wasn't there something going on today about Twopart/Eloan ?
Can't remember if it were them now or Essex County loans limited ?:rolleyes:
Think it was the 2nd one........:rolleyes:

On the London Gazette thing it said something about the 8th October about Essex County Loans limited. It will just mean getting closer to actually been declared i think.

di3004

marshallka wrote: »

On the London Gazette thing it said something about the 8th October about Essex County Loans limited. It will just mean getting closer to actually been declared i think.

Interesting, think I will check it out anyway.:D

di3004

This::::::::

Date: 22 September 2008 Issue Number: 58830 Page number: 14450 Publication Date: Monday, 22 September 2008
Notice Code: 2442
Meetings of Creditors
ESSEX COUNTY LOANS LIMITED
(t/a Just Money)
(Company Number 06330574)
Notice is hereby given, pursuant to section 98 of the Insolvency Act 1986, that a Meeting of the Creditors of the above-named Company will be held at The Old Exchange, 234 Southchurch Road, Southend-on-Sea, Essex SS1 2EG, on 8 October 2008, at 11.00 am, for the purposes mentioned in sections 99 to 101 of the Act. Creditors wishing to vote at the Meeting must lodge their proxy, together with a statement of their claim at the offices of Begbies Traynor Begbies Traynor (South) LLP, The Old Exchange, 234 Southchurch Road, Southend-on-Sea, Essex SS1 2EG, not later than 12.00 noon on day prior to the Meeting. Notice is further given, pursuant to section 98(2)(a) of the Act, that Lloyd Biscoe of Begbies Traynor (South) LLP, The Old Exchange, 234 Southchurch Road, Southend-on-Sea, Essex SS1 2EG is a qualified Insolvency Practitioner who will furnish Creditors with such information as they may reasonably require during the period before the day on which the Meeting is to be held.
By Order of the Board.

Director


15 September 2008.

(618521)

di3004

And this Twopart/Eloan


Date: 28 May 2008 Issue Number: 58709 Page number: 8034 Publication Date: Wednesday, 28 May 2008
Notice Code: 2443
Appointment of Liquidators
Company Number: 04951552.
Name of Company: TWOPART LIMITED.
Trading Name: e-loan.co.uk.
Nature of Business: Secured Loan Brokers.
Type of Liquidation: Creditors.
Address of Registered Office: The Old Exchange, 234 Southchurch Road, Southend-on-Sea, Essex SS1 2EG.

Liquidators' Names and Address: Lloyd Biscoe and Mark Robert Fry, both of Begbies Traynor, The Old Exchange, 234 Southchurch Road, Southend-on-Sea, Essex SS1 2EG.

Office Holder Numbers: 009141 and 008588.
Date of Appointment: 20 May 2008.
By whom Appointed: Members and Creditors.
(531753)

di3004

http://www.londongazette.co.uk/searchresults.aspx?geotype=London&all=Click+finance&st=basic

Think we have seen these lot before haven't we ?;)

marshallka

marshallka wrote: »

ESSEX COUNTY LOANS LIMITED

(t/a Just Money)
(Company Number 06330574)
Notice is hereby given, pursuant to section 98 of the Insolvency Act
1986, that a Meeting of the Creditors of the above-named Company
will be held at The Old Exchange, 234 Southchurch Road, Southendon-
Sea, Essex SS1 2EG, on 8 October 2008, at 11.00 am, for the
purposes mentioned in sections 99 to 101 of the Act. Creditors wishing
to vote at the Meeting must lodge their proxy, together with a
statement of their claim at the offices of Begbies Traynor Begbies
Traynor (South) LLP, The Old Exchange, 234 Southchurch Road,
Southend-on-Sea, Essex SS1 2EG, not later than 12.00 noon on day
prior to the Meeting. Notice is further given, pursuant to section
98(2)(a) of the Act, that Lloyd Biscoe of Begbies Traynor (South)
LLP, The Old Exchange, 234 Southchurch Road, Southend-on-Sea,
Essex SS1 2EG is a qualified Insolvency Practitioner who will furnish
Creditors with such information as they may reasonably require during
the period before the day on which the Meeting is to be held.
By Order of the Board.
Director

15 September 2008.

Meeting of creditors. Should you not have gone lol.