PPI Reclaiming discussion Part II

tiggrae

leedspete wrote: »

do i need to prove to welcome that i have a ppi that will cover my payments or are they just lying again

sorry, what's the question ?? If you've told them you've already got a ppi policy in place and that's why you believe the policy they sold you was mis sold then I suppose it's only reasonable for them to obtain proof

marshallka

Just received my SAR from Freedom. It consists of Application (already got from FP) front copy of agreement (already got from FP) two wageslips, copy of bank statement, copy of direct debit mandate, and a couple of docs about purchase of house. They have even sent back the cheque for £10 as they say thats all they have. I still can't tell if they were ever involved.

Ps tiggrae, did you get to read my letter about Bespoke?freedom i sent to all three of FOS, FSA and OFT. Its a long one but says it all.

Laini

Laini wrote: »

just got this reply from FP at 4.15

[FONT=Tahoma, Arial]Thank you for your recent email correspondence regarding the refund of your payment protection insurance premium. I can confirm that we have received your acceptance form from the Financial Ombudsman Service and will be forwarding a cheque in respect of the refund and interest to you in the next few days along with details of the redress calculation

I will be ringing her on monday for the figures

its a nice birthday present
me and my twin sister were 39 today we have decided to count backwards now so we never hit 40
Laini xxxxxxxx:j:j
[/FONT]

I couldnt wait so emailed her today to ask for calculations to be sent by email asap

marshallka

:j Wow Laini, thats good news. At least they have acknowledged it now. I bet you feel a weight lifted from your mind. :beer:

How much was your orginal ppi etc.

Happy Birthday Laini:beer: (for yesterday-belated oops)

leedspete_2

no i havent got any ppi do i need to have some or show proof that i have some

angelwillow

angelwillow wrote: »

It was April 2003 - does this mean I have already wasted 3 months waiting on the FO and could wait about another 3-6 for them just to tell me they can't help?

Tiggrae (or anyone else?) can you confirm this? Am I wasting my time waiting to hear from FO?

angelwillow

tiggrae wrote: »

banks have always been covered by the FOS so they could sort out bank charges, but the independent lenders only came under the compulsory jurisdiction of the FOS on 15.01.05

Sorry I worded that wrong it wasn't bank charges it was a credit card - so FO can do credit card charges for Capital One but not ppi?

angelwillow

tiggrae wrote: »

if you live in Scotland (?) and the Company you're dealing with is Scottish then you have to use the Sherriffs Court - their limit in the small claims court is £750, as apposed to the County Court in England which is £5000. Also, you have to issue writs and is quite complicated so you invariably need a scottish solicitor, whereas in England you can do it yourself

The small claims limit has been raised in January to £1500 (I think). Maybe I was lucky with my bank charges as I only filled in a form,paid £44 and that was it - mind you they did settle before the date (HBOS and Capital One).

marshallka

leedspete wrote: »

no i havent got any ppi do i need to have some or show proof that i have some

Did you tell them that you had some sort of insurance already... ???

What readon did you give them for missold?

leedspete_2

they didnt tell me it was ppi that i was taking out i havent told them that i have insurance just i wasnt fully informed off all the charges