PPI Reclaiming discussion Part II

dialysis

Crudgie wrote: »

Hi
does anyone know what is happening at Picture financial? i have read that they may be going under? I have been helping my sister in law reclaim ppi from them and despite her requesting SAR, she has heard nothing in 5 weeks?
what would situation be in they did go bust regarding repayment of loan and ppi claim- does anyone know?
thanks:eek:

Hi there where did you read that they were going under? Another poster has said that they are in administration. I am in same situation secured loan with them. Hope you do not mind me interupting your thread.
Thanks;)

Laini

marshallka wrote: »

nice one laini, i think if it be me i would of written and called them the day after being awarded.

just thought I would give them a chance after they had had their knuckles rapped but they dont learn do they!
on the naughty step again - they are going to get detention next time

Laini

sarahc5388 wrote: »

Sent the first letter and they replied saying no - send another one adding the bit about if renewing then had to have ppi cos had it on 1st loan, they replied saying no once again but did not say it was their final response, do i send them a third letter asking them to investigate fully and point out how quickly they replied? please confirm as I've had a very busy day and have lost the ability to think rationally, many thanks all. p.s. had a refund on the 1st loan - who do i escalate it to - the same person?

I agree with Marshallka when you send the SAR they know you mean business cos they have to give you everything on the full account make sure you recieve the details of both loans.
shout if you need help
Laini xx:j

threeofus

xxlaurissaxx wrote: »

Hey guys wish me luck, just sent my letter off the MBNA.

Anyone else dealt with these? And do you think I have a chance against such a big company?

xx

Hi there, try e-mailing them directly I got a really quick response. The address is customeradvocate.office@mbna.com.

Don't be fobbed off and keep going, if you think that you were missold then go for it and good luck!!!

sparky0107

Evening everyone,
I won my reclaim against Halifax BoS for PPI and received the full £378.22 plus £34.88 statutory interest. Today I have been hounded by them for not paying £399 to finish my loan, (which ended in March 2008). They have also placed 2 late payment notices on my Experian report, I must say I'm not a happy camper. Now I've got to ring them back in the morning after being given the runaround tonight and passed from one department to another. During one conversation I asked the man on the other end of the phone if this was retribution for daring to claim back the PPI, he nearly choked, trying to reply to that one.
Will keep you updated on this one

jadest

sparky0107 wrote: »

Evening everyone,
I won my reclaim against Halifax BoS for PPI and received the full £378.22 plus £34.88 statutory interest. Today I have been hounded by them for not paying £399 to finish my loan, (which ended in March 2008). They have also placed 2 late payment notices on my Experian report, I must say I'm not a happy camper. Now I've got to ring them back in the morning after being given the runaround tonight and passed from one department to another. During one conversation I asked the man on the other end of the phone if this was retribution for daring to claim back the PPI, he nearly choked, trying to reply to that one.
Will keep you updated on this one

Wow sparky that doesn't soung good. surely you can refer back to FOS as that should not happen! I am not familiar with claiming PPI but have claim bank charges back with no penalities or bad experiian reports. Mayme some one here with more knowledge could advise you on what you can do!!

Good-luck anyway!!

sarahc5388

Laini wrote: »

I am going to remind FP we are still waiting for our money or even a letter with the amount they are offering
.what do you think any comments welcome

Dear Sir/Madam,

I am writing to you in regard to our complaint concerning mis selling of the single premium insurance.
As you will be aware that the Financial Ombudsman has been involved with our complaint and you have now agreed to refund us the difference as nearest possible to what we would have been if we had been sold the loan without PPI.
As yet I have not received the financial details on the redress as requested by the FOS, so I would like to remind you of this.
I would also like to add that if I do not hear from you in due course I will be contacting the FOS at the end of June 2008.
I trust that such action would not be necessary and look forward to receiving the information and cheque as requested before this deadline.
Iwould be most grateful if you could confirm the receipt of this letter by email

Yours sincerely

Laini xx

tell them you want interest as well - for everyday since they agreed to refund you! lol

Laini

sarahc5388 wrote: »

tell them you want interest as well - for everyday since they agreed to refund you! lol

I had forgot about that
I dont think they dare not to -only cos I WOULDNT LET THEM GET AWAY WITH IT!!!
Thanks for reminding me Sarah
now were is that statement -must have it somewhere:think::think::think:
catch you later
cheers
Laini xxx:wave:

found it!!

Dear Sir/Madam,

I am writing to you in regard to our complaint concerning mis selling of the single premium insurance.
As you will be aware that the Financial Ombudsman has been involved with our complaint and you have now agreed to refund us the difference as nearest possible to what we would have been if we had been sold the loan without PPI.
As yet I have not received the financial details on the redress as requested by the FOS, so I would like to remind you of this.

As stated in the letter from FOS the amount will have interest at 8% per annum simple from the date our loan was redeemed to the date Firstplus pay this compensation.

Firstplus has agreed to their recommendation.

I would also like to add that if I do not hear from you in due course I will be contacting the FOS at the end of June 2008.
I trust that such action would not be necessary and look forward to receiving the information and cheque as requested before this deadline.
I would be most grateful if you could confirm the receipt of this letter by email

Yours sincerely

sarahc5388

Laini wrote: »

I agree with Marshallka when you send the SAR they know you mean business cos they have to give you everything on the full account make sure you recieve the details of both loans.
shout if you need help
Laini xx:j

Will do, am doing all this on behalf of my dad - they're probably been stubborn cause they paid the first lot back and then i shouted at them about his home insurance and they knocked £220 off that as well! Will get the letter at the weekend and do a draft, will post it on here for you all to cast your expert eyes over. Thanks for all the help and support everyone!

jadest

I have a very strange sitation here. I receive a letter a few weeks ago regaurding a PPI with a company I have no record of having PPI with. I wrote and they said it was for loan I took out one year ago with Citifinances. I have never had a loan with citifinance. they said I paid a single premium of £607 I have looked through all my loan agreements with PPI I never ust incase cause sometimes they move loans (they start with one and finish with another i.e. I had one loan that started with money partners and it went to capital one) but never piad £607 as a single premium. No money has left my account unaccounted for. So I have no idea what all this is about but really worried about identity theft. I have now writen to citifinance to find out more, in the mean time does anyone know what I can do.