PPI Reclaiming discussion Part II

di3004

maxdp wrote: »

Hi Di
PM you

Hi hun

Sorry for the delay in getting back to you but my youngest pinched the lappy from me......:rolleyes: , he must be getting better lol.....:D .

Thanks for your mail hunni, hope you received yours from me too.....:D . xx

di3004

marshallka wrote: »

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

I agree, if you don't laugh we will only cry.......:rotfl: lol....:j

di3004

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?

Yes hun this does make sense.
I feel the FOS will realise this, they will come to the bottom of it and it will all come out.....;) , I'm sure this will resolve and it will eventually all go in your favour, either way, you have been mis sold, and like what Marshallka said, it seems like they are passing the buck - I agree and I feel the FOS will also realise this too.;)

di3004

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.

Gina Good luck and we look forward to hearing the outcome of this.
We will keep everything crossed for you.:D .

di3004

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!

We hope you hear very soon then hun and yes its worth giving them a nudge now and again.;)
Hopefully it will be your turn very soon. Good luck!

Di.
x

Bluemoon

First Plus have said i will get their final responce and CD of the phone calls by Friday. If they have already told me they will send the CD does this mean i am going to get the knock back.

Bluemoon

dbk85

I am claiming for 2 seperate ppi policies for 2 loans. Can someone just have a quick look at this letter and see if anything needs adding or taking out. They have sent me a questionnaire but I am not sure I want to fill it in. Any help appreciated. Dave

---

Thank you for your letter dated 10 October 2008 regarding the sale of my Payment Protection Insurance policies with Lombard Direct.

I am unwilling to complete the Payment Protection Insurance Questionnaire enclosed with your letter and have returned this to you. You would already have these details if the sale of the PPI had been completed correctly.

Both loan applications were processed over the telephone to Lombard Direct.

Further to my original letter dated 1 October 2008, I believe I was missold both these policies for the following reasons:

My main concern is having recently looked at the paperwork for my loans I now realise I have been paying for insurance that I did not know I had taken out so could not have been explained to me.

Consequently, because Lombard Direct did not tell me any information about these policies:

- Lombard Direct did not tell me the PPI policies were optional.

- Lombard Direct did not inqure whether I had another policy with another provider that would cover my payments in the case of accident, sickness or redundancy.

- Lombard Direct did also not explain what the policies would and would not cover.

I would like to point out that although I may have been eligible for payment protection insurance when the agreements were started, this did not mean I wanted it added to my agreement without my consent.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid. As I believe I have been deprived of this money, I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks of my original letter dated 1 October 2008 or I shall be contacting the Financial Ombudsmand to investigate my complaint.

di3004

Bluemoon wrote: »

First Plus have said i will get their final responce and CD of the phone calls by Friday. If they have already told me they will send the CD does this mean i am going to get the knock back.

Bluemoon

Hi Bluemoon

No it does not mean you will get the knock-back, you have requested for this disc and you should be provided with it.

We had ours from our loan company and the disc did actually help in our favour.;)

When you receive yours hun, make sure you listen in the quiet as much as possible, and if you think anything is missing from what you can remember then write it down.

Also if you notice something that can help you with your complaint, write down dates etc, put the disc in your computer and you will note on the screen that dates and times will come up of the days of all telephone contacts.;)

Good luck!
Di.
x

di3004

dbk85 wrote: »

I am claiming for 2 seperate ppi policies for 2 loans. Can someone just have a quick look at this letter and see if anything needs adding or taking out. They have sent me a questionnaire but I am not sure I want to fill it in. Any help appreciated. Dave

---

Thank you for your letter dated 10 October 2008 regarding the sale of my Payment Protection Insurance policies with Lombard Direct.

I am unwilling to complete the Payment Protection Insurance Questionnaire enclosed with your letter and have returned this to you. You would already have these details if the sale of the PPI had been completed correctly.

Both loan applications were processed over the telephone to Lombard Direct.

Further to my original letter dated 1 October 2008, I believe I was missold both these policies for the following reasons:

My main concern is having recently looked at the paperwork for my loans I now realise I have been paying for insurance that I did not know I had taken out so could not have been explained to me.

Consequently, because Lombard Direct did not tell me any information about these policies:

- Lombard Direct did not tell me the PPI policies were optional.

- Lombard Direct did not inqure whether I had another policy with another provider that would cover my payments in the case of accident, sickness or redundancy.

- Lombard Direct did also not explain what the policies would and would not cover.

I would like to point out that although I may have been eligible for payment protection insurance when the agreements were started, this did not mean I wanted it added to my agreement without my consent.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid. As I believe I have been deprived of this money, I also expect 8% statutory interest, the amount a court would award, to be added to each payment made.

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks of my original letter dated 1 October 2008 or I shall be contacting the Financial Ombudsmand to investigate my complaint.

Hi there Dave.

Yes this is great and covers all points, and regarding the form, you have wrote everything in your letter to cover for that too.;)

Well done and the very best of luck!

Please let us know how you get on - thanks.;)

Di.
x

Bluemoon

di3004 wrote: »

Hi Bluemoon

No it does not mean you will get the knock-back, you have requested for this disc and you should be provided with it.

We had ours from our loan company and the disc did actually help in our favour.;)

When you receive yours hun, make sure you listen in the quiet as much as possible, and if you think anything is missing from what you can remember then write it down.

Also if you notice something that can help you with your complaint, write down dates etc, put the disc in your computer and you will note on the screen that dates and times will come up of the days of all telephone contacts.;)

Good luck!
Di.
x

I will keep everyone informed whats happens when i get my letter here's fingers crossed i don't have to go to the FSO.

Bluemoon