PPI Reclaiming discussion Part II

di3004

Mister_aaa wrote: »

Hi, first post..

Just been reading this and want to claim back my ppi from bank of scotland.

The documents arrived by courier, and the ppi was included, so as i needed the loan, i didnt have time to dispute this.

My letter is as follows, how does it look?

Thanks for your time.
Andy

Well done Andy.;)

Letter great, get it sent off - by recorded post, please keep us posted thanks hun.;)

Di.
x

maxdp

Cheaptrick wrote: »

Hi guys,

Sorry if I am confusing you, the letter that I am asking your advise on is the response that I want to send to LLoyds in regards to the letter dated 25th July which I only received 25th September. Please let me know if I should send this to Lloyds or not. Thank you

Hi Cheaptrick

Have my Lloyds PPI with solicitors at moment and just to inform you this is what they have asked LLoyds for
Breaches of the CCA 1974

The agreement does not comply with the terms of the CCA 74 in that
It does not contain all of the prescribed terms and therefore does not comply with section 60 .

It does not contain a clear statement of the amount and rate of the "total charge for credit" and therefore does not comply with section 20 and or the Consumer Credit (Total charge for credit) regulations 1980.

Commission on the Business Loan Repayment Insurance was not disclosed to the borrower.

The Business Loan repayment insurance was mis-sold and cover was paid as a lump sum upon drawdown of the loan.

Consequences of breaches of CCA 1974
As a result of the above detailed breaches of CCA 74 agreement is an improperly executed agreement and is therefore unenforceable by you against our client by virtue of section 127 of CCA 74

Lack of CCA Licence - Please provide proof that a valid consumer credit act licence was held at the time of entering into the agreement, as required by section 21 of the cca 74.

As a result of the lack of consumer credit act licence the agreement is unenforceable by you against our client.

Undisclosed commission( blah blah) This constitutes a payment of an undisclosed commission and is therefore a breach of the law of agency.

You may be able to use this in your letters if you want more info on this let me know:D

maxdp

Hi Di

How your fab son. Hope he is feeling better now., Am sure you have given him lots of TLC. Just had fag:eek:

di3004

maxdp wrote: »

Hi Di

How your fab son. Hope he is feeling better now., Am sure you have given him lots of TLC. Just had fag:eek:

Hi sweetie and how are you ? You just had a fag.......:eek: :rotfl: , your as bad as me hunni, did the kids catch you ? pmsl.......:rotfl: .

Thanks for asking about my Daniel, he is doing okay today thanks hun, and eating too, so that's a good sign - okay not eating a great deal but its a start......:D . I am spoiling him.....:o lol.

I have this big huge boil on the side of my left nostril, cannot see any spot on it or anything and its soooo embarrassing:o it was not there last night but looked in the mirror and omg.......:eek: lol.....:D

maxdp

di3004 wrote: »

Hi sweetie and how are you ? You just had a fag.......:eek: :rotfl: , your as bad as me hunni, did the kids catch you ? pmsl.......:rotfl: .

Thanks for asking about my Daniel, he is doing okay today thanks hun, and eating too, so that's a good sign - okay not eating a great deal but its a start......:D . I am spoiling him.....:o lol.

I have this big huge boil on the side of my left nostril, cannot see any spot on it or anything and its soooo embarrassing:o it was not there last night but looked in the mirror and omg.......:eek: lol.....:D

OMG Lots of toothpaste on it lots of foundation and remember Halloween coming up so kids with think it is a witch wart:eek:

di3004

maxdp wrote: »

OMG Lots of toothpaste on it lots of foundation and remember Halloween coming up so kids with think it is a witch wart:eek:

lol, Daniel said the same.......:rotfl: :rotfl: , well I already have a black cat his name is "Lucky"......:D , all I want now is my broomstick, of which Daniel said he will pick one up for me and a couldron..........:eek: , lol.......

nomorevictims

Hi Di & Marshallka, thanx for the info earlier about SAR's & DMP.

On another note just wanted to get some advice about my complaints with Welcome x 3. My adjudicator has been in touch asking for more information about my loans in relation to PPI. As 2 of my loans were initially referred by Dial-4-a-Loan i.e Portifeld Financial Services, Welcome state that my complaint is with them as they packaged the loans and Welcome just sent out the loan agreements and documentation. My argument is that because the loans were secured on property and paid off early I had to get confimation from my employer about my earnings to qualify and meet their criteria for both loans. I did have numerous telephone communications with Welcome while the loans were being processed and was mis-sold PPI . I hope the FOS don't come back and say that my complaint is with Portfield and not Welcome. My Q is whether I will have to start the whole process over again? Any advise on the matter would be helpful to put my mind at rest.

di3004

Lloyds TSB rang back up again this afternoon, to speak to hubby, because he cancelled last week and said he would call in his own time because at this present time he is on sick leave.

So the manager rang earlier, (who is female) and asked again if she can make another review appointment, he was straight with her and said "look, what can you do?, I told you last week I am on sick leave and do not have a great deal going into the account", she said "oh sorry I had forgot, but you do have my contact details, if there is anything I can do to help"......:rolleyes:

Seems strange how a letter came from them yesterday too with another loan offer......:rolleyes: , they have no chance......:mad: Cannot anyway is hubby is on the sick, surely they would not offer these if your on the sick ?:eek:

maxdp

di3004 wrote: »

lol, Daniel said the same.......:rotfl: :rotfl: , well I already have a black cat his name is "Lucky"......:D , all I want now is my broomstick, of which Daniel said he will pick one up for me and a couldron..........:eek: , lol.......

My ex husband used to tell me that he was taking my broomstick in for an MOT instead of my car:D

maxdp

di3004 wrote: »

Lloyds TSB rang back up again this afternoon, to speak to hubby, because he cancelled last week and said he would call in his own time because at this present time he is on sick leave.

So the manager rang earlier, (who is female) and asked again if she can make another review appointment, he was straight with her and said "look, what can you do?, I told you last week I am on sick leave and do not have a great deal going into the account", she said "oh sorry I had forgot, but you do have my contact details, if there is anything I can do to help"......:rolleyes:

Seems strange how a letter came from them yesterday too with another loan offer......:rolleyes: , they have no chance......:mad: Cannot anyway is hubby is on the sick, surely they would not offer these if your on the sick ?:eek:

Ask if they will let him have PPI tell them you would like it front loaded just to make it easier.:rotfl: