PPI Reclaiming discussion Part II

marshallka

pm'd you back Di.

beverley1961

di3004 wrote: »

Good luck, with a bit of luck they will deal with this and resolve it for you, fingers crossed.:beer:

Regarding sigs bit, the other member mentioned about this and said it could actually copy the signature added, it was the first time I had heard of this but its always best to be on guard, just in case.;)

I am sure the member who wrote this will not mind me adding this here, as it will warn and help others too, this was the comment:

"with modern scanners its easy to scan in your signature and print out an 'signed agreement' so either don't sign at all or sign it differently to normal so you know its a con..."

hi, just a thought, i applied on line and all i did was tick boxes, i didnot actually sign anything with a pen to hand. this might help not sure though

redrosegirlie

LOL

I rang RBS this morning and informed them that I was speaking to Trading Standards regarding the settlement figure.

Lo and behold there is now a different way of closing the loan account where I would only need to pay £21,584 instead of the £21,809 saving me £225

It seems they want to keep my business after all !

Maybe customer is king once again !

Thanks to everyone who helped out with this query.

di3004

marshallka wrote: »

pm'd you back Di.

Thanks hun, and pm'd you back again too.;)

di3004

beverley1961 wrote: »

hi, just a thought, i applied on line and all i did was tick boxes, i didnot actually sign anything with a pen to hand. this might help not sure though

Hi.;)

Yes maybe it would help your case.
Do you have any copies of the paperwork for when you done this online at all ?
If not I would ask them to supply this to you if you can.;)
Because I would think they would have to have something on you on their database in which they can easily print off for you.

marshallka

redrosegirlie wrote: »

LOL

I rang RBS this morning and informed them that I was speaking to Trading Standards regarding the settlement figure.

Lo and behold there is now a different way of closing the loan account where I would only need to pay £21,584 instead of the £21,809 saving me £225

It seems they want to keep my business after all !

Maybe customer is king once again !

Thanks to everyone who helped out with this query.

Brilliant news for you:j

di3004

redrosegirlie wrote: »

LOL

I rang RBS this morning and informed them that I was speaking to Trading Standards regarding the settlement figure.

Lo and behold there is now a different way of closing the loan account where I would only need to pay £21,584 instead of the £21,809 saving me £225

It seems they want to keep my business after all !

Maybe customer is king once again !

Thanks to everyone who helped out with this query.

Good on your for speaking up........:T :T :beer: , I bet your relieved hun ?:D :j .

You know where we are, good one hun, well done !:j :beer: :T .

marshallka

marshallka wrote: »

Actually maxdp, rule of 78 works out less on this one according to the calculator
http://www.drcalculator.com/calc/rule78.cgi

£21,645.83

redrosegirl paid £21,809.47

at 12 months it would have been
19936.16

but with the other method that is the newer method at 12 months it would have been about £18000 so actually gets worse with rule 78 the longer you have the loan....

I posted this earlier about it..

marshallka

Just found this on Lloyds of London website about complaining about the policy itself

Q9. I AM UNHAPPY WITH THE INCREASE IN PREMIUM (OR TERMS, CONDITIONS OR EXCLUSIONS) THAT HAVE BEEN APPLIED TO MY POLICY

[FONT=Arial,Arial][FONT=Arial,Arial]A. Please click here if you wish to make a complaint. While we are happy to look into your complaint, in most instances we are unable to intervene in complaints of this nature as they are concerned solely with the insurers’ use of their commercial judgement. [/FONT]

[FONT=Arial,Arial]When you click here it takes you to http://www.lloyds.com/search/search.aspx?q=about_us&bt=1[/FONT]

[FONT=Arial,Arial]I don't think this is right somehow..[/FONT]



[FONT=Arial,Arial]A. To make a claim, follow the claims process which is outlined in the insurance documents provided to you. Most policies contain a section called "Claims Procedure" which gives contact information for the Administrator or Claims Handler of the policy, who will be able to progress your claim for you. [/FONT]


[FONT=Arial,Arial]Now this means first writing to Cassidy Davis about the complaint about the term and unfair rebate and then they go to LLoyds who apparently according to this [/FONT]


[FONT=Arial,Arial]if you wish to make a complaint. While we are happy to look into your complaint, in most instances we are unable to intervene in complaints of this nature as they are concerned solely with the insurers’ use of their commercial judgement. [/FONT]

also this

Q10. I WANT TO SETTLE MY LOAN EARLY OR TO CHANGE THE REPAYMENTS

[FONT=Arial,Arial][FONT=Arial,Arial]A. If you have taken out a loan or have a form of credit agreement relating to a vehicle or electrical appliance, we are unable to help with enquiries about this, as Lloyd’s has no connection with any financial arrangements you may have. If our details appear on any documents, it usually means that you have also taken out insurance protection covering the loan repayments.
[/FONT][/FONT]



[/FONT]

di3004

Will come back and read later, have some visitors for half hour and need to hurry with the hoover ........:o lol.....:D .