PPI Reclaiming discussion Part II

di3004

Thank you all for your lovely birthday wishes.;) :beer:

I have had an amazing day, and have finally got another reclaim complaint letter in the post office today - at last.......:D , funny thing is I had loan/ppi with Endeavour 4 years to the day (30th July) lol.....:D , so fingers crossed, I have given them 14 days.;)

Di.
xxxxx

marshallka

di3004 wrote: »

Thank you all for your lovely birthday wishes.;) :beer:

I have had an amazing day, and have finally got another reclaim complaint letter in the post office today - at last.......:D , funny thing is I had loan/ppi with Endeavour 4 years to the day (30th July) lol.....:D , so fingers crossed, I have given them 14 days.;)

Di.
xxxxx

Great news that you are moving di,

You are only 3 days after my birthday. Mine was the 27th July. That explains why we are alike in not giving in. Kings of the jungle.... Leo's

marshallka

james1907 wrote: »

hi, can someone help me please,

i've recieved a letter from lloyds tsb today rejecting my complaint for mis-sold ppi, but i'm not sure if it's a final response. the last page reads:

i am sorry that my decision was not more favorable to your complaint. should you wish for the financial ombudsmen to independently review your complaint, you must refer the matter to them within 6 months of the date of this letter.

is this a final response? or should i send off a 2nd letter before going to the fos?

thanks, james.

Was this reply after your first letter or second? I would write again if i were you. I received a similar one from the co-op the other day. I have now written back and they are writing back to me and have called me today. How long ago was your letter? If its over 8 weeks since you complained then you are entitled to go to FOS now but like i say i would write back one more time.

Sometimes they like you to give up at this stage but keep fighting.

sarahc5388

james1907 wrote: »

hi, can someone help me please,

i've recieved a letter from lloyds tsb today rejecting my complaint for mis-sold ppi, but i'm not sure if it's a final response. the last page reads:

i am sorry that my decision was not more favorable to your complaint. should you wish for the financial ombudsmen to independently review your complaint, you must refer the matter to them within 6 months of the date of this letter.

is this a final response? or should i send off a 2nd letter before going to the fos?

thanks, james.

this is what they sent to my dad - write again asking them to look into your complaint in more detail, I have just drafted another letter to them on behalf of my dad requesting that they provide a final response, I am assuming that they have to state that it is their final response in the letter to you otherwise they could backtrack and say they were still looking into it, you have to give them 8 weeks from when they received your first letter, the 1st letter they send you is a standard fob off, so please write to them again - don't give up! by the way, the first time i claimed on behalf of my dad they (LTSB) sent a standard fob off letter, i sent the 2nd letter and they offered to refund him as a gesture of goodwill.

marshallka

sarahc5388 wrote: »

james1907 wrote: »

hi, can someone help me please,

i've recieved a letter from lloyds tsb today rejecting my complaint for mis-sold ppi, but i'm not sure if it's a final response. the last page reads:

i am sorry that my decision was not more favorable to your complaint. should you wish for the financial ombudsmen to independently review your complaint, you must refer the matter to them within 6 months of the date of this letter.

is this a final response? or should i send off a 2nd letter before going to the fos?

thanks, james.

this is what they sent to my dad - write again asking them to look into your complaint in more detail, I have just drafted another letter to them on behalf of my dad requesting that they provide a final response, I am assuming that they have to state that it is their final response in the letter to you otherwise they could backtrack and say they were still looking into it, you have to give them 8 weeks from when they received your first letter, the 1st letter they send you is a standard fob off, so please write to them again - don't give up! by the way, the first time i claimed on behalf of my dad they (LTSB) sent a standard fob off letter, i sent the 2nd letter and they offered to refund him as a gesture of goodwill.

Does that mean that my co-op one might end with the next letter then and they offer me the gesture thing. I hope so.

They rang today and did say when i mentioned FOS that i could not go to FOS yet until they had looked into it more and given me another letter. I took that as a stalling thing but maybe they will just pay up ey.... That would be nice.:D

di3004

marshallka wrote: »

Great news that you are moving di,

You are only 3 days after my birthday. Mine was the 27th July. That explains why we are alike in not giving in. Kings of the jungle.... Leo's

Hi hun and yes I agree with you lol.:D .

And sorry to miss yours, so hope you had a lovely birthday yourself hunni.;)

di.
xxxx

sarahc5388

marshallka wrote: »

sarahc5388 wrote: »

Does that mean that my co-op one might end with the next letter then and they offer me the gesture thing. I hope so.

They rang today and did say when i mentioned FOS that i could not go to FOS yet until they had looked into it more and given me another letter. I took that as a stalling thing but maybe they will just pay up ey.... That would be nice.:D

You never know, I couldn't believe it and neither could my dad. You have to give them the full 8 weeks though, that's stated on the FOS website, i don't think it matters how many letters go backwards and forwards, they have to give a final response within 8 weeks before you can go to the FOS. If you contact the FOS before the 8 weeks is up they will just tell you to waite. I have reported Barclays to the FOS at it will be 11 weeks on Fri since they recieved my first letter, they (Barclays) have written to me three times saying they are looking into it, the last letter was dated 3rd Jul saying they couldn't at this time provide me with a final response. I phoned them (Barclays) on Mon and they said they still couldn't and that they had no idea when they would be able to provide one. They sounded a bit shocked when I phoned them the next day and told them that I had reported them. Please be patient as the old saying goes - give them enough rope....

sarahc5388

Marshallka - belated happy birthday by the way, hope you had a good one! you kept that quiet!

roseanneb

Hi,
We bought a car from Welcome Financial Services in Dec 2001.
The repayments were £269 per mth over 48 mths APR 49% ( I know that's high!)
After 36 mths we part ex the car in Dec 2003 . No payments were missed. We were told we had to take PPI out or we could not have the loan. I have searched my credit record and found the address of the firm but need to know which letter to send first and if any one knows how to calculate what I should be asking for, plus do I add on 8% intrest ?? I hope I have posted in the right forum!

marshallka

sarahc5388 wrote: »

Marshallka - belated happy birthday by the way, hope you had a good one! you kept that quiet!

Thanks for that Di and Sarah. Yes i did keep it quiet. At 43:eek: you do....