PPI Reclaiming discussion Part II

marshallka

maxdp wrote: »

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

Then the husband became the ex:think:

marshallka

Stillsmiling wrote: »

Just thought I'd post to say that I am STILL waiting for the ombudsman to review my case with Worst Plus. Last letter from them apologising for the delay was June according to my file so I need to call them again and chase them up. Back in June / July they were still working on cases from end 2007 and mine was start 2008 so it might be my turn soon!

I would give them a ring and try to shift their !!! here... It seems they have stopped sending out updates from what people keep saying..

Good luck with Barclays FIrstplus though... Rooting for ya here.:D

marshallka

Gina_Chiurlea wrote: »

Just an update to let you guys know I've used your mis selling template to compile a complaint to HFC. I also rang them to complain the my outstanding amount seems to be going up rather than down. The have logged the complaint on their system for this and I'm posting the one for PPI on my way home from work tonight. Thanks a bunch, I'll keep you posted.

Good luck to you;)

marshallka

nomorevictims wrote: »

Once again Di Thanx for your encouraging words. The FOS have asked for more info to get a better understanding of the circumstances and the reason for the loans. Both loans were 'approved in principle' by Portfield but Welcome claim that the loans and associated insurances were done by Portfield which is untrue as my employer notes that the request for confirmation of earnings was requested by Welcome and not Portfield as this was made on Welcome's paperwork. My view is that Portfield possibly packaged the loan and then referred it to one of their lenders i.e Welcome to proceed with it. I hope this makes sense Di x

Perhaps Marshallka or Tiggrae could shed some light?

Are they perhaps passing the buck here for the misselling..

Was one under the jurisdiction of the FOS and one not and the one that was not - are they accepting the misselling knowing that you have not got a chance of going to the FOS. When was this loan/PPI??

I always thought that our actual PPI was sold to us by FIrstplus and not by who they told us sold it as the ones that they told us sold it were not under FOS's jurisdiction.

Toffee_Penny

marshallka wrote: »

Toffee penny, if he was not paying contributions then was he actually self employed here . If his employer was making the contributions for him then that would be classed as employed.

Hello again, sorry got confoosed .com a bit last night

His employer pays his tax (the employer owns his own building business), OH gets tax assessment forms to fill in every year. Class 4 NI is included in the tax that he pays, Class 2 NI I think is voluntary and he hasn't paid this for years. At the end of the tax year he gets self assessment forms to fill in and normally receives a tax rebate.

Hope that makes sense xxx

Do you think it's still worth a try?

marshallka

Toffee_Penny wrote: »

Hello again, sorry got confoosed .com a bit last night

His employer pays his tax (the employer owns his own building business), OH gets tax assessment forms to fill in every year. Class 4 NI is included in the tax that he pays, Class 2 NI I think is voluntary and he hasn't paid this for years. At the end of the tax year he gets self assessment forms to fill in and normally receives a tax rebate.

Hope that makes sense xxx

Do you think it's still worth a try?

Sub contracting then???

Definately worth a try but not to make the self employment the sole reason for this. You have to have other reasons too.

Toffee_Penny

yes the employer is classed as a sub contractor

Hope I'm not boring you marshallka lol thanks for your help xxxx

marshallka

Toffee_Penny wrote: »

yes the employer is classed as a sub contractor

Hope I'm not boring you marshallka lol

Amusing me would be the right word...:D

Toffee_Penny

well you gotta have a laugh haven't you? especially on this site, we might be skint but at least we keep our humour!

marshallka

Toffee_Penny wrote: »

well you gotta have a laugh haven't you? especially on this site, we might be skint but at least we keep our humour!

Believe me Toffee Penny, when you live it, breathe it and sleep it (PPI that is) it can get a bit stressful at times and sometimes its nice to take a break from the forum for a while.

You are right we need to laugh at times.

Have a listen to this. I doubt you would have seen it on here. Posted it last week.

http://uk.youtube.com/watch?v=s_iMS31mqmU