PPI Reclaiming discussion Part II

bathgatebuyer

The Halifax have certainly lodged their defence which is certainly frustrating as, nevermind that I think I have a case, but I think they've behaved abysmally in this. They have sent a dubious application form rather than a CCA, the mail that has come from their customer relations people and CEO's Office has been contemptious and cursory to say the least and certainly not how I think a customer should be treated. I have paid £1.6K for a product which didn't provide protection when I needed it, and as a result they were phoning me 4 or 5 times a day asking for payments which would not have been an issue had the blinkin' PPI coevr been sufficient! I ended up on mediction for stress and panic attacks shortly thereafter.

I'd have rather settled by now, but they seem to want to challenge me all the way so challenge them I will. And if they lose I'll be taking it straight to the FSA and asking for to take their own action against the Halifax for mis-selling. I think it's a big risk for them for the sake of £1.6K of premiums, but it's in their hands now.

**AquariausAngel**

MINT Response
Hello I'm sorry this post isn't relevant to the topic but all of you have been so kind with your advice I though I would have a go at asking you lot!

I received a letter from MINT yesterday with a cheque enclosed for £16 - they say this for the difference for the two £20 charges incured on my account before April 2006.

I did ask for £88.00 charges plus £13.61 interest = £101.61

They are saying that the £12 charges are fair and in line with the Office of Fair Trading Standards.

I really want to try and get the rest of the money back but I am a bit stuck. I can't find a template letter for this stage!

Does anybody have any advice??

I will bank this £16 tomorrow - at least I've got something back! :T

**AquariausAngel**

Laini wrote: »

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

Their decision includes a recommendation that a full refund of the payment
protection insurance premium plus any interest be refunded to you.

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

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

To clarify the details of the redress as set out in Mr Meredith's letter:

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

b)Settlement figure assuming no PPI taken £70,614.02
Total premiums paid assuming no PPI taken £6,740.22
Total = £77,354.24

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

Congratulations that's fab!!!!!!!!!

**AquariausAngel**

MWH1 wrote: »

If this is the same account you shouldn't need to send a separate SAR. They have 40 days from date of receipt to respond to you. What did you ask them to provide in the SAR? My expectation is that you'll find it easier to reclaim the credit card charges than the PPI. However, don't be put off! A number of people posting on the success forum were told to "clear off" (in as many words!) after their initial complaint. Some had to refer their complaint to the FOS. I guess patience is a virtue!

Hi

I only asked for credit card charges at the time I wrote the letter - I am still waiting for them even though they have exceeded 40 days

As my PPI claim is with the FOS I think I will just wait to hear from them and concentrate on the charges for now!

Thanks for your help

**AquariausAngel**

marshallka wrote: »

I would ring and ask what the delay is. They are allowed i think a "reasonable delay" so maybe a call would save you the trouble of sending another letter and another £10. Tell them that they cashed your cheque a week ago.

I haven't sent a letter yet - I am being patient as they may be taking the 40 day response from the date of my second letter which included the cheque - that was 31st May so I will wait at least another week. If I haven't had a reply I will give them a call!

Thanks

tiggrae

**AquariausAngel** wrote: »

MINT Response
Hello I'm sorry this post isn't relevant to the topic but all of you have been so kind with your advice I though I would have a go at asking you lot!

I received a letter from MINT yesterday with a cheque enclosed for £16 - they say this for the difference for the two £20 charges incured on my account before April 2006.

I did ask for £88.00 charges plus £13.61 interest = £101.61

They are saying that the £12 charges are fair and in line with the Office of Fair Trading Standards.

I really want to try and get the rest of the money back but I am a bit stuck. I can't find a template letter for this stage!

Does anybody have any advice??

I will bank this £16 tomorrow - at least I've got something back! :T

you need to start court proceedings - MINT always pay up - go onto the Bank Charges reclaim for a template of the County Court claim form - use the on-line service MCOL (money claim on line) it's cheaper and I can guarentee they'll pay up

marshallka

I have now sent my letter to Freedom and a copy to Bespoke (slightly different to the one posted on here) and have to await their response. Tiggrae, i know you think it won't alter things but i have to try. I won't go down without a fight (a bit like michael gomez during the amir khan fight last saturday:D ) I will fight for something i believe in. I am now wondering if this was a set up and FIrstplus are also involved. They have to know something too. It all started with them telling me about this company and she was very stuttery when doing it. If this is the case then all three companies want their licences revoked. These are people we put our trust in to look after our finances and our finances are part of our lives especially when your house if involved.:mad:

tiggrae

marshallka wrote: »

I have now sent my letter to Freedom and a copy to Bespoke (slightly different to the one posted on here) and have to await their response. Tiggrae, i know you think it won't alter things but i have to try. I won't go down without a fight (a bit like michael gomez during the amir khan fight last saturday:D ) I will fight for something i believe in. I am now wondering if this was a set up and FIrstplus are also involved. They have to know something too. It all started with them telling me about this company and she was very stuttery when doing it. If this is the case then all three companies want their licences revoked. These are people we put our trust in to look after our finances and our finances are part of our lives especially when your house if involved.:mad:

Couldn't agree more, unfortunately they all know that time is on their side, after 8 years any court proceedings they can reject out of hand simply due to the time issue - it then becomes not a case of right or wrong just who knows what the law says

tiggrae

bathgatebuyer wrote: »

The Halifax have certainly lodged their defence which is certainly frustrating as, nevermind that I think I have a case, but I think they've behaved abysmally in this. They have sent a dubious application form rather than a CCA, the mail that has come from their customer relations people and CEO's Office has been contemptious and cursory to say the least and certainly not how I think a customer should be treated. I have paid £1.6K for a product which didn't provide protection when I needed it, and as a result they were phoning me 4 or 5 times a day asking for payments which would not have been an issue had the blinkin' PPI coevr been sufficient! I ended up on mediction for stress and panic attacks shortly thereafter.

I'd have rather settled by now, but they seem to want to challenge me all the way so challenge them I will. And if they lose I'll be taking it straight to the FSA and asking for to take their own action against the Halifax for mis-selling. I think it's a big risk for them for the sake of £1.6K of premiums, but it's in their hands now.

might have asked this question before, but why did you start court proceedings rather than take your complaint to the Financial Ombudsman???

**AquariausAngel**

tiggrae wrote: »

you need to start court proceedings - MINT always pay up - go onto the Bank Charges reclaim for a template of the County Court claim form - use the on-line service MCOL (money claim on line) it's cheaper and I can guarentee they'll pay up

Thanks for getting back to me - I will have a look at mcol now. I'm a bit frightend of the thought of court proceedings as I didn't want to go down that route to be truthful. Would another letter do the trick or the FOS? I will read up on this info before I decide though!