PPI Reclaiming discussion Part II

marshallka

di3004 wrote: »

However the ombudsman will only give them a certain time to get back anyway, as they need to get on.


x

Di, i was told the opposite last week in that they do not put any time limits on a company getting back at all.

marshallka

di3004 wrote: »

I can't see anything wrong here hun, its them, not you, they need to sort this out to stop all this confusion, and has Tiggrae been on yet today do you know? Maybe she will be able to confirm this marshallka hun, but you have done nothing wrong and surely they should have all this on record ??

I have a feeling on mine now.......:rolleyes: and that will be the 2nd return if that is the case

Settlement and rebate are two very different complaints I was told and need to be two different complaints. Rebate is about PPI and settlement is the loan. ALthough Tiggrae said to me that there is no difference. I used settlement in my very first complaint as well as rebate and that got thrown out now I have used rebate and asked if settlement of the loan was a seperate complaint and was told to send it in seperate. It is sooo confusing but I think both the other complaints that mention settlement now are getting thrown back to me. They will only use the rebate one and not the ones that mention settlement. (although one of them they have written to FIrstplus on my behalf for about use of section 78 of the CCA???)

Still no phone call back from them and I don't suppose there will be.

di3004

marshallka wrote: »

Di, i might as well give up on it. Its making me ill again and I feel like screaming. They NEVER reply to emails and I have added the only two I have ever sent about this complaint to my post above. I cannot see that I have done anything wrong this time. I am beginning to think that they are on the side of Barclays Firstplus here as they are stalling things and messing things up. They say they have 6 complaints about them in my name. That is complete and utter nonsense. If they mean about the time before then I did get things all mixed up and did not understand how the Ombudsman worked in that each thing had to be seperate. I orginally complained about the PPI selling (which i used section 76 of the CCA equal liability as per tiggrae, then i complained about unfair loan settlement and also unfair rebate. All those ones were closed some months ago. I then realised that I had to do all NEW complaints which in the phone call today she did say that all other complaints prior to this were closed but now I have 3 compaint ref numbers and apparently only one is being looked into and the others they have written to firstplus about and told them for me (???) that I want to complain about the use of section 78 of the CCA being used in the settlement of my loan????????

They have written it wrong the put section 78 of the CCA and not rule 78 which i already have a final response here for and have sent it into them.

They have really got my goat now. I don't know why they are doing this to me. Its so wrong. I am allowed to complain just like anyone else.

Its still waiting for an adjudicator and nothing has been done but they have made me look stupid and I know that FIrstplus are going to laugh at this one and then use it against me. Its the ombudsman fault here. They got the wording wrong, not me and also I had already sent a complaint in about this and got my own final response and also sent it into them.

I would be screaming too hun and it may just happen with mine again too the way they are looking at things and even though they are advising you to do it this way as a "brand new" complaint !!
And 6 complaints ?? They should not be including that anyway this is an individual brand new complaint "unfair rebate" !!!
Why are they NOT listening ???:mad:
I am fuming reading it hun, tamping to be honest, and of course very stressful for you too - again........:mad:

They need to separate everything, this "IS A BRAND NEW ONE ALONE COMPLAINT" !!!!!!

tiggrae

di3004 wrote: »

I can't see anything wrong here hun, its them, not you, they need to sort this out to stop all this confusion, and has Tiggrae been on yet today do you know? Maybe she will be able to confirm this marshallka hun, but you have done nothing wrong and surely they should have all this on record ??

I have a feeling on mine now.......:rolleyes: and that will be the 2nd return if that is the case

I did try and say not to add bits and pieces onto the original complaint as it may cause confusion - especially by email as I've found overworked people don't always read them properly (and sometimes they can get 'lost').

The best thing you can do I think is write a letter - don't ring or email - apologising for any confusion caused and that you want your complaint to be only about the unfair contract term which allowed FP to give you an unfair rebate on the PPI

di3004

marshallka wrote: »

Di, i was told the opposite last week in that they do not put any time limits on a company getting back at all.

Oh they must have changed it then, because when the adjudicator made contact with us by phone then email she said they had only give Nemo of a certain date to get back, it was something like either 14 days or maybe 28 days the latest (with a date), and this was half way through my complaint at the time

Is that just at the start of when they are waiting for further information from the company perhaps ?

marshallka

Did anyone that had an adjudicator ever get responses from them and also did they ever get any updates. My co-op complaint is with this adjudicator and he has not informed me anything although I have emailed about 5 times and also rang and left messages about 4 times.:mad:

Its been over a month now and I justed wanted an update. Co-op were late sending stuff in over a month ago and its now one month later and last week had a call from someone that said "still no stuff from Barclays Firstplus" and when i asked about the Co-op ref he said "no nothing from them either".

They obviously do not like me.

di3004

tiggrae wrote: »

I did try and say not to add bits and pieces onto the original complaint as it may cause confusion - especially by email as I've found overworked people don't always read them properly (and sometimes they can get 'lost').

The best thing you can do I think is write a letter - don't ring or email - apologising for any confusion caused and that you want your complaint to be only about the unfair contract term which allowed FP to give you an unfair rebate on the PPI

With mine I know I left everything out of the original complaint on the new complaint, but if you remember I did have to give an explanation of how Endeavour got confused as they did not actually look at my complaint properly about the unfair rebate, so hopefully there will be no come backs this time round, and it did help by FOS already part filling in the form for me to add in their own words (Brand new complaint - nothing to do with the first complaint of ref number XXXXXX) and the date of Nov 2005, and when I sent the form back I also enclosed the letter from what the FOS sent me of them maybe able to look at the complaint again, so fingers crossed.;)

Yes a good idea for Marshallka to put it into writing to explain the situation.

di3004

marshallka wrote: »

Did anyone that had an adjudicator ever get responses from them and also did they ever get any updates. My co-op complaint is with this adjudicator and he has not informed me anything although I have emailed about 5 times and also rang and left messages about 4 times.:mad:

Its been over a month now and I justed wanted an update. Co-op were late sending stuff in over a month ago and its now one month later and last week had a call from someone that said "still no stuff from Barclays Firstplus" and when i asked about the Co-op ref he said "no nothing from them either".

They obviously do not like me.

So I assume that your adjudicator has returned from sick leave then was it ?
And wasn't it holiday leave before that ? Or was that another one ?

I think my lloyds complaint has been with the adjudicator for approx 3 weeks now and he did tell me on the phone when he rang me that I can contact him anytime by his direct email and/or telephone, but yes I know what you mean, if you cannot get through to speak then that is very frustrating and not receiving any replies either.
So maybe a hardcopy in the post then just to be on the safe side.;)

marshallka

tiggrae wrote: »

I did try and say not to add bits and pieces onto the original complaint as it may cause confusion - especially by email as I've found overworked people don't always read them properly (and sometimes they can get 'lost').

The best thing you can do I think is write a letter - don't ring or email - apologising for any confusion caused and that you want your complaint to be only about the unfair contract term which allowed FP to give you an unfair rebate on the PPI

Tiggrae, I completely refuse to to make an apology here> How I have been treated is far from like a normal complainant. I have done nothing wrong only asked one question. I have done copies of the email sent and there is nothing wrong. They have apologised to me today when she actually looked at my email. Its not my fault here. Below is the email i sent them on 15th september followed by the one below it on 24th September.

Could I also add to this complaint about the rule of 78 being used in the settlement of our loan in that it breached the OFT unfair terms in consumer contracts regs because its an unfair penallty. My orginal complaint is of unfair rebate of the PPI and also the loan too if you are able to look into this. If I need to go for a completely new complaint with this then would someone let me know asap.


Hi, with not having a response to this email I telephoned you and was told that i had to make a "seperate" complaint on this as this was about the settlement of the whole loan and not the unfair rebate of the PPI. I have therefore sent this in to you seperate as per the phone call and could you please adjust my notes accordingly.




They should not have email option if you cannot use it. And also for the record I did actually send them a recorded delivery letter too stating that as per my telephone conversation and previous email about the loan settlement I now attach hereto a completely new complaint for the settlement of the loan. I was then sent an acknowledgement letter and a completely new ref.


WHERE HAVE I GONE WRONG. I NEED TO KNOW

Its what they have done now in writing to FIrstplus about use of section 78 of the CCA in settlement of my loan that is the reason I am annoyed. They have made me look a fool here. THEY have made the mistake. Can't anyone see this????

tiggrae

marshallka wrote: »

Tiggrae, I completely refuse to to make an apology here> How I have been treated is far from like a normal complainant. I have done nothing wrong only asked one question. I have done copies of the email sent and there is nothing wrong. They have apologised to me today when she actually looked at my email. Its not my fault here. Below is the email i sent them on 15th september followed by the one below it on 24th September.

Could I also add to this complaint about the rule of 78 being used in the settlement of our loan in that it breached the OFT unfair terms in consumer contracts regs because its an unfair penallty. My orginal complaint is of unfair rebate of the PPI and also the loan too if you are able to look into this. If I need to go for a completely new complaint with this then would someone let me know asap.


Hi, with not having a response to this email I telephoned you and was told that i had to make a "seperate" complaint on this as this was about the settlement of the whole loan and not the unfair rebate of the PPI. I have therefore sent this in to you seperate as per the phone call and could you please adjust my notes accordingly.


They should not have email option if you cannot use it.

then don't - but you created the confusion in the first place - it's your claim you deal with it as you wish