PPI Reclaiming discussion Part II

Laini

m.colak wrote: »

No the pm box was empty bar one asking for the spreadsheet. Yes had a nice holiday thank you but have a busy couple of months ahead with work so will try and get on when possible. Don't know about the lots to catch up with though? Any chance of an update:D

I would have a look at the success thread as it seemed we have been on a roll!!
as you will see got my cheque for over 15k from FIRST PLUS -thanks for helping with figures it is on here the calculations on how the worked it out
Marshallka is waiting for a letter from Gib so next week is a nail biting time for her.

Laini xx:j

dazzer26

many thanks for the prompt reply m.colak will get on to them asap and congrats to laini for you great result against firstplus.

marshallka

m.colak wrote: »

Hi everyone,

You do the 8% statutory interest calculation on each individual payment you made. I recommend you use Martin's calculator on the reclaim bank charges information site outside of the forum.

Hi m colak, nice to see you back:j

dazzer26

sorry to bother you again m.colak should i ask to see the figures for loan recalculation before accepting any offer many thanks again

m.colak

dazzer26 wrote: »

sorry to bother you again m.colak should i ask to see the figures for loan recalculation before accepting any offer many thanks again

Yes always get a breakdown of the figures before you accept as you may get disproportionally rebated elsewise.

dazzer26

thank you very much for your help m.colak.

snash67

hopefully someone can help me with this. i had/have a lloydstsb credit card. when i ran into difficulties some time ago they closed the account. obviously i still have to pay the outsatnding balance. when i checked my t&c's i noticed that when the account was closed any insurance (ppi) was invalidated, when i challenged this they said no refunds were due but they would stop charging the premiums. question is do i have a claim?

alleybabes

angelwillow wrote: »

This gets worse! Being told so many different things. I have two also from 2003 and the FO wouldn't even look at them!

hi angelwillow who are your store cards with mine are jjb and adams,creation finance,i complained in feb and have had monthly letters telling me they are waiting for an adjudicator

di3004

Good afternoon folks.;)

Looking back through all the information of the SAR sent from nemo, (even though I have already won on the advance claim), I will be soon pursuing a claim request through their brokers from when we first had the loan.

Well anyway I came across a factsheet of PPP, this was to find out what insurances we did and didn't have when going through the sale of the loan, when it came to PPI the comment made was "they tried to cancel this completely, and I managed to talk them out of it".

If I had requested the SAR when I first tried pursuing these, it would not have taken a year, Im sure of it if the FOS was provided a copy of this when I sent off further evidence at the time, then say no more this would of said it all, it was also signed by the loan adviser too !
(Even though the ombudsman did also have a copy of telephone recordings, where he picked up on this) !

I have obviously learnt since that a SAR plays a very important part of when trying to pursue these claims/complaints, so my personal opinion would be to always request these, you never know what you may find that will help push this further if this goes as far as the FOS stage.

Through my own experience of this I do always SAR now for anything. well worth it I think.;)

Di.
xx

angelwillow

alleybabes wrote: »

hi angelwillow who are your store cards with mine are jjb and adams,creation finance,i complained in feb and have had monthly letters telling me they are waiting for an adjudicator

They are both GE Money - BHS and Debenhams although I do have an Adams aswell and they have said that although I was paying them they are not responsible for the insurance and I need to contact Stonebridge International. Did you get that?