PPI Reclaiming discussion Part II

marshallka

YEOSAL wrote: »

At least they are seem to be doing something. Did you give them 8 weeks to complete their investigation?

I did not really say anything about time. I just mentioned court. I think the only reason that they are "appearing" to look into this is for "show". I mentioned in my letter that they could not of looked into this matter before my records were located and yet they sent out a letter to me prior to doing this. . They are just going by the book now. B******s.

marshallka

YEOSAL wrote: »

No, am going alone, probably better that way. The judge may take pity on me. Hope there is no delays. Cant believe I actually paid £300 for this hearing! I am so nervous though, my stomach is tied in knots and I feel sick (bit like I did when I got married!). Their solicitors are rottweilers and think they are going to wipe the floor with me.

What do you have to pay £300 for. Is that what everyone has to pay???
I would need a loan for that (might give Freedom a ring:D ).

Good luck and i cannot say to you to stop worrying because i would be exactly the same but remember why you are doing this and that is not to let THEM win and for what is RIGHT and FAIR:D

Laini

marshallka wrote: »

wahoooooooooooooooooooo Laini, bet your well chuffed.:beer: :j :beer: :j

speechless!!
thanks to everyone on here I couldnt have done it without you
:j:j:j:j:j:j:j
Laini x

Janebo12

Congratulations first to Laini - huge success for you and well deserved!!



Just wondering how long claims are taking now through the Financial Ombudsman?

I have just taken my complaint about London and Scottish Mortgages to them - anybody else had success with this company?

Thanks

ANY_CHANCE

Laini wrote: »

[FONT=Tahoma, Arial]cheque £15,388.29 _party__party__party_[/FONT]

Brilliant news Laini,;)

Thank goodness its arrived i thought you were going to have heart failure if they left it any longer, i would have had to do cyber resus:rotfl:

Im soooo pleased for you hun - whens the party??

AC X

TwinsMum_2

Laini wrote: »

[FONT=Tahoma, Arial]We have recently received correspondence from the Financial Ombudsman Service [/FONT]
[FONT=Tahoma, Arial]regarding their review of your complaint and your acceptance of their [/FONT]
[FONT=Tahoma, Arial]adjudication.[/FONT]

[FONT=Tahoma, Arial]Their decision includes a recommendation that a full refund of the payment [/FONT]
[FONT=Tahoma, Arial]protection insurance premium plus any interest be refunded to you.[/FONT]

[FONT=Tahoma, Arial]In order to comply with this recommendation, please find enclosed an amount of [/FONT]
[FONT=Tahoma, Arial]£15,388.29 in respect of a full refund of the insurance premium and interest [/FONT]
[FONT=Tahoma, Arial]paid on the premium through the term of your loan. This amount is being [/FONT]
[FONT=Tahoma, Arial]refunded to you in order to put you in the financial position you would be if [/FONT]
[FONT=Tahoma, Arial]the insurance had not been taken, as laid out in the Financial Ombudsman's [/FONT]
[FONT=Tahoma, Arial]recommendation.[/FONT]

[FONT=Tahoma, Arial]When you settled your loan account a rebate of £4,121.10 was included in the [/FONT]
[FONT=Tahoma, Arial]settlement figure. This additional amount represents an additional refund of [/FONT]
[FONT=Tahoma, Arial]£13,021.90 to give a full refund of £17,143.00, and a refund of interest [/FONT]
[FONT=Tahoma, Arial]amounting to £1,774.54. This also includes an amount of £591.85 in respect of [/FONT]
[FONT=Tahoma, Arial]the 8% interest on £14,796.44 from the date your loan was settled to present.[/FONT]

[FONT=Tahoma, Arial]To clarify the details of the redress as set out in Mr Meredith's letter:[/FONT]

[FONT=Tahoma, Arial]a) Settlement figure paid including PPI and rebate £83,759.78[/FONT]
[FONT=Tahoma, Arial]of £4,121.10[/FONT]
[FONT=Tahoma, Arial]Total premiums paid including cost of PPI £8,390.90[/FONT]
[FONT=Tahoma, Arial]Total = £92,150.68[/FONT]

[FONT=Tahoma, Arial]b)Settlement figure assuming no PPI taken £70,614.02[/FONT]
[FONT=Tahoma, Arial]Total premiums paid assuming no PPI taken £6,740.22[/FONT]
[FONT=Tahoma, Arial]Total = £77,354.24[/FONT]

[FONT=Tahoma, Arial]c)Difference between a and b = £14,796.44 [/FONT]
[FONT=Tahoma, Arial]8% interest on £14,796.44 = £591.85[/FONT]
[FONT=Tahoma, Arial]cheque £15,388.29 _party__party__party_[/FONT]

AHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH WHOOP WHOOP mines a large G&T many congratulations to you very well deserved took a while but who cares right result in the end :beer: :j :T :rotfl: WHOOP WHOOP

TwinsMum_2

Janebo12 wrote: »

Congratulations first to Laini - huge success for you and well deserved!!



Just wondering how long claims are taking now through the Financial Ombudsman?

I have just taken my complaint about London and Scottish Mortgages to them - anybody else had success with this company?

Thanks

Mine took 6 months plus felt like forever, guess it just depends on how busy they are and I am thinking they must be very very very busy.

kpwll

Just wanted to add my congratulations and say 'Well Done'

Absolut_Wench

Laini, that is superb news. You must be so pleased to get your hands on that cheque :j :j :j :j

Yeosal, hope it all goes well today. Keeping everything crossed for you.

Laini

ANY_CHANCE wrote: »

Brilliant news Laini,;)

Thank goodness its arrived i thought you were going to have heart failure if they left it any longer, i would have had to do cyber resus:rotfl:

Im soooo pleased for you hun - whens the party??

AC X

thanks nurse AC
need alcohol on a drip -can you oblige?
I nearly passed out-relieved now it has been a long slog
but going after NEMO starting monday it has been upheld by FOS now waitng for NEMO to get back to FOS to agree or not