PPI Reclaiming discussion Part II

kazc_2

marshallka wrote: »

Kazc, I would not accept the rebate and continue with the misselling... Have you sent the letter off for the misselling here or not?? Are you only going for the unfair rebate here??

We haven't sent the template yet as we thought we had to get the tapes of the phone conversations etc. first.

marshallka

marshallka wrote: »

so if you received nothing at all as a rebate then you paid the whole amount of £7975.80 by the looks of it. NIL refunds for settling early are not acceptable. If you find anything else about rebate at settlement let us know otherwise go for the whole amount back.

kazc, your PPI actually cost you the amount above less whatever the rebate you received in your post above.

Toffee_Penny

Hi Marshallka (and others) thanks for your reply

The loan was taken out in 2006, it was a top up loan, the original loan started in 2004.

I just want to say that we are not looking for an easy way out and feel daft that we didn't fully understand or read the small print, it's only after swimming in the brown stuff for a while that we realise the policy was not what it seemed to be, for us anyway.

thanks

marshallka

kazc wrote: »

We haven't sent the template yet as we thought we had to get the tapes of the phone conversations etc. first.

As this was taken after January, 2005 I would just get the letter in as most complaints for single premium policies taken after the FSA started to authorise the sales are upheld. You seem to have been missold here and its now time to get the letter in. You have no need to wait for the SAR here, its entirely up to you.

marshallka

Toffee_Penny wrote: »

Hi Marshallka (and others) thanks for your reply

The loan was taken out in 2006, it was a top up loan, the original loan started in 2004.

I just want to say that we are not looking for an easy way out and feel daft that we didn't fully understand or read the small print, it's only after swimming in the brown stuff for a while that we realise the policy was not what it seemed to be, for us anyway.

thanks

Get the letter in Toffee penny and see what happens then. Keep us posted and ask away if there is anything we can help with.

Good luck

di3004

Let me get this right now, Was your loan with Nemo Kazc?

Yes I did suggest a SAR , I'm sure I did, unless of course they could supply anything useful free of charge, and come to think of it the disc I had from Nemo I am sure to what I can recall is that they did supply this to me free of charge and the written breakdown.
I would see if they can also supply this to you free of charge hunni and I know it was my disk that recordings played a big part in my loan/ppi mis selling, although you do have a strong case anyway but if its just the disc ask first if they can supply to you for nothing.

A SAR comes in handy if more further information and documents is required, mine has, but as long as you have a strong case like you have then I'm sure it will all go through okay for you.
Sorry for any confusions caused........:o .

Still let a reclaim letter sent in though hunni.
The disc can always be sent later if needed to and if it goes as far as the FOS stage xx

kazc_2

kazc wrote: »

We haven't sent the template yet as we thought we had to get the tapes of the phone conversations etc. first.

Thankyou for that Marshallka, we are going to do it now !!
Fingers crossed.
k

di3004

kazc wrote: »

We haven't sent the template yet as we thought we had to get the tapes of the phone conversations etc. first.

Hi there hun
I have just left a post above for you.;)

Anne.Jade

Night Marshallka and Di, now don't stay up too late on here will you!

:A

Anne x

di3004

Anne.Jade wrote: »

Night Marshallka and Di, now don't stay up too late on here will you!

:A

Anne x

Nighty night Anne hun, sleep well, sweet dreams and will try not to stay up too late......:o lol.

:A

Di.
xx