PPI Reclaiming discussion Part II

maxdp

marshallka wrote: »

I had four loans with the co-op. They have offered goodwill on one of them. The lowest PPI:mad: . The adjudicator has now asked the co-op if they want to offer goodwill on the others too as this then does not admit anything and they have not got a red tick against them with the FOS if you know what I mean. If they say "no" then he will have to adjudicate it I assume.

I have had confirmation that all four loans are being looked at on the one complaint though.

The redress they offered was that of full and final like I said a few days ago. Can you remember posting to it??

Fancy they pick the cheapest:rolleyes: I presume if they settle through good will on others it makes them look good:eek: I just hope this is settled for you as you have been messed about enough on all these. One mess up after the other. At least your latest adjudicator seems to be on the case.:D

maxdp

marshallka wrote: »

He will just be asking for further evidence to back up what they have to say as to why they say they will not uphold.

Quite agree

Wonder if they were able to sell the insurance or PPI themselves I know on those I have going through at the moment:D the big thing is who sold the insurance and about when I met with the policy Provider.:rolleyes: Hmm can't remember meeting them mine were all sold by Lloyds and Health risks were not discussed or considered . On the business complaint we were told to take out a loan instead of increasing the business overdraft. Guess what we also have PPI on the business overdraft:rotfl::rotfl: We were not aware of this. We were given good business and financial advice :eek:

di3004

marshallka wrote: »

He will just be asking for further evidence to back up what they have to say as to why they say they will not uphold.

Then if they still deny this, it will be passed on I assume ?

I will not give up on this one, being a homemaker and not told otherwise, only to sign where they marked it without getting the chance to even read the terms and conditions.

Now curious to what the bank have to say.
At the end of the day this was in 2001, sold in the bank, nothing explained.

The adjudicator did say give both sides a chance, although he did not mention to me about sending anything further to back my case......

maxdp

di3004 wrote: »

Then if they still deny this, it will be passed on I assume ?

I will not give up on this one, being a homemaker and not told otherwise, only to sign where they marked it without getting the chance to even read the terms and conditions.

Now curious to what the bank have to say.
At the end of the day this was in 2001, sold in the bank, nothing explained.

The adjudicator did say give both sides a chance, although he did not mention to me about sending anything further to back my case......

Hi Di

Think they do not have a leg to stand on am sure they will be found out. Good for you keep going for it.:D

marshallka

maxdp wrote: »

Quite agree

Wonder if they were able to sell the insurance or PPI themselves I know on those I have going through at the moment:D the big thing is who sold the insurance and about when I met with the policy Provider.:rolleyes: Hmm can't remember meeting them mine were all sold by Lloyds and Health risks were not discussed or considered . On the business complaint we were told to take out a loan instead of increasing the business overdraft. Guess what we also have PPI on the business overdraft:rotfl::rotfl: We were not aware of this. We were given good business and financial advice :eek:

We were never asked either and also my hubby was self employed at the time of two of ours but I do know we were not told we could purchase these elsewhere or given a choice to them and also that they were these "single premiums". We were sold these alongside the loans as "no ppi no loan sort of thing". Don't know if we were covered or not but we never made a claim.

I also wonder how they work these loans out too. If you think about it you go give all your details to the bank as to how much you can borrow and often what you wanted to borrow you cannot as to your income and outgoings. Then after you are given the loan they then give you another few grand in the way of a PPI policy and yet they would turn you down for it if you wanted it to add to original loan... but they don''t think like that when the loan is for the PPI??

di3004

maxdp wrote: »

Hi Di

Think they do not have a leg to stand on am sure they will be found out. Good for you keep going for it.:D

Thank you hunni.......:D , well I should hear soon, and if this is not upheld again, I don't mind it being looked at again or being passed on, I know I'm in the right here.

Will have to check out others who have been in this position with Lloyds, and see if they had the first response like I did......:rolleyes:

stevenm37

Hi

I have written a letter which I am going to post to theFOS tomorrow, would you mind casting your eyes over it just to give me your opinion please.


Dear Sir

I am writing to you with regard to my complaint against First Plus
reference number 7996999. I had been informed that The Financial Ombudsman
Service would not be in a position to investigate my complaint as it was
taken out prior to 14th January 2005, the date when this particular
insurance company came under the jurisdiction of the FSA.
I have myself investigated this and have found that as First Plus were
under the regulatory control of The General Insurance Standards Council you
do have the jurisdiction to investigate this complaint.
Indeed I have documentary evidence from numerous contacts with examples
where you have investigated this company relating to complaints of
misselling PPI prior to the 14th January 2005.
I would be pleased if my complaint could be reopened as a matter of urgency
as I am concerned that any more delay may have a detrimental affect on my
complaint.

Regards Steve Mallinson

marshallka

di3004 wrote: »

Then if they still deny this, it will be passed on I assume ?

I will not give up on this one, being a homemaker and not told otherwise, only to sign where they marked it without getting the chance to even read the terms and conditions.

Now curious to what the bank have to say.
At the end of the day this was in 2001, sold in the bank, nothing explained.

The adjudicator did say give both sides a chance, although he did not mention to me about sending anything further to back my case......

How come they gave you the credit in the first place when not working Di??

I don't work now but could not get credit on my own being a stay at home mum. All ours are joint? Was the credit missold too??

marshallka

stevenm37 wrote: »

Hi

I have written a letter which I am going to post to theFOS tomorrow, would you mind casting your eyes over it just to give me your opinion please.


Dear Sir

I am writing to you with regard to my complaint against First Plus
reference number 7996999. I had been informed that The Financial Ombudsman
Service would not be in a position to investigate my complaint as it was
taken out prior to 14th January 2005, the date when this particular
insurance company came under the jurisdiction of the FSA.
I have myself investigated this and have found that as First Plus were
under the regulatory control of The General Insurance Standards Council you
do have the jurisdiction to investigate this complaint.
Indeed I have documentary evidence from numerous contacts with examples
where you have investigated this company relating to complaints of
misselling PPI prior to the 14th January 2005.
I would be pleased if my complaint could be reopened as a matter of urgency
as I am concerned that any more delay may have a detrimental affect on my
complaint.

Regards Steve Mallinson

The date that they became under the GISC was 20th November, 2001 if you want to add that. ALso add URGENT to it in BIG writing.

di3004

stevenm37 wrote: »

Hi

I have written a letter which I am going to post to theFOS tomorrow, would you mind casting your eyes over it just to give me your opinion please.


Dear Sir

I am writing to you with regard to my complaint against First Plus
reference number XXXXXXX. I had been informed that The Financial Ombudsman
Service would not be in a position to investigate my complaint as it was
taken out prior to 14th January 2005, the date when this particular
insurance company came under the jurisdiction of the FSA.
I have myself investigated this and have found that as First Plus were
under the regulatory control of The General Insurance Standards Council you
do have the jurisdiction to investigate this complaint.
Indeed I have documentary evidence from numerous contacts with examples
where you have investigated this company relating to complaints of
misselling PPI prior to the 14th January 2005.
I would be pleased if my complaint could be reopened as a matter of urgency
as I am concerned that any more delay may have a detrimental affect on my
complaint.

Regards Steve Mallinson

Hi there Steve

Yes great letter to back your re-submission up, well done.;) :j .

Please keep us updated of this, we hope they will sort this for you.

(was not sure if that was your defo ref number or not but please note I have crossed this on my post here).

Good luck Steve.:D

Di.
x