PPI Reclaiming discussion Part II

maxdp

Hi All

Am still waiting to hear back from Barclaycard on my 3 Loans. This was upheld by the FOS in middle of April and they made an offer in July (well just paid it straight into account) it was wrong amount and they did not understand the FOS workings out.

Have reminded FOS and my adjudicator has said that the bank is very busy and will get back to me ASAP:mad:

di3004

maxdp wrote: »

Hi All

Am still waiting to hear back from Barclaycard on my 3 Loans. This was upheld by the FOS in middle of April and they made an offer in July (well just paid it straight into account) it was wrong amount and they did not understand the FOS workings out.

Have reminded FOS and my adjudicator has said that the bank is very busy and will get back to me ASAP:mad:

Hi there hunni.....:D hope your well.

Now that is very frustrating !!!!:mad:

Hope you hear very soon Maxdp hunni......:A . xx

graham27_2

I just got my PPI back from a loan but now notice i pay a fee described as overdraft protection on my overdraft £6.96 a month had this for 5years anyone know if you can claim this back.
Thanks

marshallka

maxdp wrote: »

Hi All

Am still waiting to hear back from Barclaycard on my 3 Loans. This was upheld by the FOS in middle of April and they made an offer in July (well just paid it straight into account) it was wrong amount and they did not understand the FOS workings out.

Have reminded FOS and my adjudicator has said that the bank is very busy and will get back to me ASAP:mad:

This is annoying isn't it maxdp. I think they should be allowed to give time limits to these banks.:mad:

marshallka

graham27 wrote: »

I just got my PPI back from a loan but now notice i pay a fee described as overdraft protection on my overdraft £6.96 a month had this for 5years anyone know if you can claim this back.
Thanks

I don't know about overdraft protection. Did you not opt to have this put on your account?? Is it sickness accident etc cover for your overdraft?? Could you manage to pay the overdraft otherwise as was this a thing that was compulsory to the overdraft??

If yes then I would imagine same as PPI or credit card PPI..

maxdp

marshallka wrote: »

I don't know about overdraft protection. Did you not opt to have this put on your account?? Is it sickness accident etc cover for your overdraft?? Could you manage to pay the overdraft otherwise as was this a thing that was compulsory to the overdraft??

You can claim it back I do not know about your case but it is usually a condition of them letting you have the overdraft:rolleyes: Usually sorted out when you have those little reviews:eek: with your bank managers where they give you solid good advice:rotfl: and you come out in a worse situation that when you went in. Golly I am bitter today Tee Hee

maxdp

marshallka wrote: »

This is annoying isn't it maxdp. I think they should be allowed to give time limits to these banks.:mad:

I think every week they go over the four weeks to pay out to you they should pay £10.00 into your bank account:D:eek:

di3004

graham27 wrote: »

I just got my PPI back from a loan but now notice i pay a fee described as overdraft protection on my overdraft £6.96 a month had this for 5years anyone know if you can claim this back.
Thanks

Hi there Graham
Well done on your receiving your PPI back.....:beer: :T , brilliant news.

I think what you may be paying for is your account and the benefits that come along with it, I pay £10 a month for mine and believe this is also to do with car breakdown, mobile cover, etc etc, and to protect the account, for example for any losses of theft.

I may be wrong in your case but still worth checking it out directly with your bank.;)
If you have the terms and conditions of your account this may explain what you are paying for altogether which may also include protecting your money, ie: overdraft etc.;)

Well done to you again hunni.:T

Di.
x

maxdp

di3004 wrote: »

Hi there hunni.....:D hope your well.

Now that is very frustrating !!!!:mad:

Hope you hear very soon Maxdp hunni......:A . xx

Am Fab thank you Di.

Have given up smoking at the weekend and keep getting bit naggy, spiteful, hysterical mother. My kids hid all sharp objects out of my sight last night:rotfl:

mlucyminx

Hi every one.
Hope you are all well.

I am just seeking advice (yet again) about cancelling ppi.

I wrote complaining about mis selling and they wrote back with the usual blurb telling me not mis sold blah blah blah. Anyway they said i could cancel policy so I contacted company and asked to cancel policy.

Had a response offering me £120.00 rebate in full and final settlement of complaint.

I wrote back pointing out that this is for cancelling policy and as my complaint is with FOS for mis selling i would accept their offer as a part payment and that I understood this amount would be taken into consideration if FOS ruled in my favour about mis selling.

I had another letter saying that as I had rejected their original offer of £120 they would like to offer me £400 in full and final settlement of my compalint.

I have now written this letter and would like any advice before I send it.

WITHOUT PREJUDICE

Further to your letter dated *********, I would like to respond as follows.

I would like to once again confirm that my complaint has been forwwarded to the Financial Ombudsman Service with the respect to the mis sellin of this policy.

My recent correspondence with yourself has been about the cancellation of my policy.

I would like to accept your offer of £400.oo in closure of the matter of cancelling the policy.

I understand that this amount will be taken in consideration by the Financial Ombudsman Service regarding the mis selling of the insurance and this amount would be deducted from the total balance of the amount if i were to be successful in my claim for mis selling.

Yours sincerely