PPI Reclaiming discussion Part II

marshallka

di3004 wrote: »

Here I have paperwork about the first PPI, this was arranged with E-loan but on the Nemo paperwork:

This does not include the loan but just about the PPP Single Policy: I have wrote this as it looks.

Nemo Premium (PPI): £8492.50
Date of inceptions: 21/11/2005 (when the first loan was taken)
Date of cancellation: 07/07/2006 (this was when we also had a loan advance).
Age in months: 9

Cashback premium: £1,679.15
Cashback Commission: £43.00
Cashback IPT: £86.00

LASU Premium: £1,650.34
LASU Commission £4,951.45
LASU IPT £82.56

Cancelled after 30 days £1,258.26 - 15% this should be below 19%

Further advance with claims/arrears £6,271.65 - 74% this should be below 78%

Further Advance: £7,633.28 - 90% this should be below 99% and above 59%.

Factor:75.30%
.....................................................................................................
Here was the further advance Single PPI:

£10,862.50
Date of inception: 07/07/2006
Date of cancellation: 24/09/2006
Age in months: 3

Cashback premium: £2,147.75
Cashback commission: £55.00
Cashback IPT £110.00

LASU Premium: £2.110.90
LASU commission: £6,333.25
LASU IPT £105.60

Cancelled after 30 days: £1,998.32 (this was all they rebated off this) 18% this should be below 19%.

Further advance with Claims/arrears: £8,410.80: 77% this should be below 78%.

Further advance: £10,577.04

Factor 93.50%.
...................................................................................................
I had remortgaged at end Aug/Beg Sept 2007, and paid these off, we had won the case we complained about on the loan advance with the FOS, had not pursued at all with the broker on the first one until now.
But when we had cancelled the PPI on the loan advance as shown after 3 mnths above, they only deducted the amount of that shown of £1,998.

So looking a the positioning of the first one above that one only states a rebate of £1,258.26.

I cannot make head out of tails with it really, its all mumbo jumbo, will have to work at it, does this make any sense to any of you folks ?

All the above is just about the ppi and not including the loan amounts.;)

Thx
Di.
xx

Has Tiggrae seen this??? Its a bit above me Di, no wonder you feel like its mumbo jumbo.

marshallka

Hope the post man comes with a letter from Co-op tomorrow but i doubt it. I will give them a ring if not just to let them know i will not give up. Going to have an early night now so lets hope we all get good news tomorrow. (you can only but wish;) )

Night all

chrismoney1800

I am going to persue this tomorrow, I am going to get copy of my loan paperwork. Which I don't recall ever being sent. Except for the one that you sign and send back.

Anyone had any joy with Tesco Personal Finance Loans?

Thanks.

di3004

chrismoney1800 wrote: »

I am going to persue this tomorrow, I am going to get copy of my loan paperwork. Which I don't recall ever being sent. Except for the one that you sign and send back.

Anyone had any joy with Tesco Personal Finance Loans?

Thanks.

Good luck Chris
Not had anything to do with Tesco personal finance myself but sure there are lots on here who have.

Have you checked out the success thread, I'm certain on that thread I have read some wins regarding Tesco.;)

Hope this all goes straight forward for you, let us know how it goes, and the very best of luck.:D

Di.
x

di3004

marshallka wrote: »

Hope the post man comes with a letter from Co-op tomorrow but i doubt it. I will give them a ring if not just to let them know i will not give up. Going to have an early night now so lets hope we all get good news tomorrow. (you can only but wish;) )

Night all

Hope you have some good news in the post tomorrow too hun, .

Nighty night hunni, catch ya tomorrow, I will check on here throughout the day to see if you have any news, good news I hope.....:D , must take my son to the dentist for his check up tomorrow morning but should not be out that long.;)

Catch ya then.
Di.
xx

tiggrae

chrismoney1800 wrote: »

I am going to persue this tomorrow, I am going to get copy of my loan paperwork. Which I don't recall ever being sent. Except for the one that you sign and send back.

Anyone had any joy with Tesco Personal Finance Loans?

Thanks.

tesco personal finance is really Royal Bank of Scotland and yes had success against them

tiggrae

marshallka wrote: »

Can't believe your post man did that:eek:

It looks ok to me Laini, i would ask Tiggrae as she is the professional at this.

So did the post man use your account before you did??? Wasn't it cancelled and a new account drawn up then????

Blummin hell, who can you trust

try this - ps if you're in York you're just down the road from me, I'm in Harrogate

RE: Mis-sold Payment Protection Insurance

With regard to the above and in response to your letter dated ?? I was originally approached by one of your sales representatives in a shopping centre, ( McArthur Glen at York)at the time I had my 2 year old son with me in a busy shopping centre so he was my main concern. I asked for the application form to take home so I could peruse at my leisure. However, the sales person was very persistent, she filled the form in quickly for me and told me where to sign.

As you will be aware, I did not receive any notification by mail of my new account or the ability to cancel, as all correspondence, the card and statements were intercepted by an employee of the Royal Mail, therefore I was never given the opportunity to cancel for either the card or the PPI which I definitely did not ask for nor want. You will note from my account history this individual with drew cash from the cash point it wasn’t until the fraud dept at Barclaycard contacted me did I know anything about my credit card account had been approved. .The police were involved and eventually the matter was resolved.

I do not feel your letter has offered a satisfactory justification the policy was sold fairly, reasonably and within my best interests so I would request you look into my complaint again. If I do not receive a more favourable response within 14 days I shall be taking my complaint to the Financial Ombudsman.

Laini

tiggrae wrote: »

try this - ps if you're in York you're just down the road from me, I'm in Harrogate

RE: Mis-sold Payment Protection Insurance

With regard to the above and in response to your letter dated ?? I was originally approached by one of your sales representatives in a shopping centre, ( McArthur Glen at York)at the time I had my 2 year old son with me in a busy shopping centre so he was my main concern. I asked for the application form to take home so I could peruse at my leisure. However, the sales person was very persistent, she filled the form in quickly for me and told me where to sign.

As you will be aware, I did not receive any notification by mail of my new account or the ability to cancel, as all correspondence, the card and statements were intercepted by an employee of the Royal Mail, therefore I was never given the opportunity to cancel for either the card or the PPI which I definitely did not ask for nor want. You will note from my account history this individual with drew cash from the cash point it wasn’t until the fraud dept at Barclaycard contacted me did I know anything about my credit card account had been approved. .The police were involved and eventually the matter was resolved.

I do not feel your letter has offered a satisfactory justification the policy was sold fairly, reasonably and within my best interests so I would request you look into my complaint again. If I do not receive a more favourable response within 14 days I shall be taking my complaint to the Financial Ombudsman.

Thanks Tiggrae I have sent the letter I wrote but forgot to put in the amount I had worked out on my statements- so I will write your and send details of PPI amounts from the statements -just had a thought do you think I need to send the list of ppi charges or not?
thanks again
Laini x

Laini

marshallka wrote: »

Hope the post man comes with a letter from Co-op tomorrow but i doubt it. I will give them a ring if not just to let them know i will not give up. Going to have an early night now so lets hope we all get good news tomorrow. (you can only but wish;) )

Night all

hope you hear something soon
Laini x:j

catinthehat1

have sent forms off today to FOS re complaint/PPI against Firstplus - have received a letter from Firstplus today they are putting up their rates!!!!!!!:mad:

Charges reclaiming from Monument with FOS
Charges reclaiming from Capital One with FOS

In it for the long haul!!!