PPI Reclaiming discussion Part II

di3004

marshallka wrote: »

Did you see mine above Di. I would not get into any arguments with them now. YOU have explained enought to them. I would just send a simple letter and leave it at that. Its them that have not read your other letter correct and you should not have to state your arguments again. You don't even want to mention the court thing. It is something that the ombudsman could look at and tiggrae has confirmed this so just state their "misleading information" that they have given to you and take your complaint to FOS also.

Thanks Marshallka hunni,

Will this letter do ? Will go back on your post and double check too hun thanks again, much appreciated.;)


Thank you for your letter dated 12 August 2008.

It seems to be that my complaint letter dated 30 July 2008 has not been read correctly.

Please read my letter dated 30th July 2008 again where you will note that this is about an “Unfair Settlement” which had taken place in November 2005.
I have enclosed a copy of this letter for your records.

As this event had taken place in November 2005 and not that of 2004 when it came to settling this product, I request for you to reconsider this complaint as a “New complaint of unfair rebate Settlement” and uphold this complaint as and refund what is due to me and that also of 8% of what a court would award.

Due to this reason of “unfair rebate settlement” and the misleading information on your letter dated 12 August 2008 I am aware the Financial Ombudsman Service will be able to adjudicate in this matter and also the FSA started regulating on 14 January 2005 where this definitely comes into regulation of Jurisdiction of the Financial Ombudsman Service.

Please refer to my letter dated 30 July 2008, and reconsider this request for a refund.
I look forward to hearing from you within 14 days of this letter.

Yours sincerely

Okay just edited here to add this, I have now read your letter Marshallka and that is wonderful, thank you, so I would be happy to use yours if thats okay hunni, and sorry I missed that post earlier.

Di.
xx

marshallka

di3004 wrote: »

Thanks Marshallka hunni,

Will this letter do ? Will go back on your post and double check too hun thanks again, much appreciated.;)


Thank you for your letter dated 12 August 2008.

It seems to be that my complaint letter dated 30 July 2008 has not been read correctly.

Please read my letter dated 30th July 2008 again where you will note that this is about an “Unfair Settlement” which had taken place in November 2005.
I have enclosed a copy of this letter for your records.

As this event had taken place in November 2005 and not that of 2004 when it came to settling this product, I request for you to reconsider this complaint as a “New complaint of unfair rebate Settlement” and uphold this complaint as and refund what is due to me and that also of 8% of what a court would award.

Due to this reason of “unfair rebate settlement” and the misleading information on your letter dated 12 August 2008 I am aware the Financial Ombudsman Service will be able to adjudicate in this matter and also the FSA started regulating on 14 January 2005 where this definitely comes into regulation of Jurisdiction of the Financial Ombudsman Service.

Please refer to my letter dated 30 July 2008, and reconsider this request for a refund.
I look forward to hearing from you within 14 days of this letter.

Yours sincerely

Okay just edited here to add this, I have now read your letter Marshallka and that is wonderful, thank you, so I would be happy to use yours if thats okay hunni, and sorry I missed that post earlier.

Di.
xx

Thats better Di. I would also put a complaint into FOS and state that you have done in your letter too.

Use mine if you want:D

I got used to sending these out with my "secret" claim

infowatcher

A few questions I need advice on.

I am currently in the process of claiming back unfair PPI but also need advice on another matter regarding the same company if possible.

I had a Joint secured loan which included a legal charge on our property, after seperating with my ex-wife she restructured the Secured Loan in just her name signing new documents, she was given a new Policy number, documents and a new Legal charge was signed just by her.

However she failed to pay the morgage on the property and the house was repossessed allowing the loan company to claim their money on the secured loan via the legal charge.

The company however never discharged the original legal charge in the property and never presented the new legal charge in just my ex-wifes name to the land registry theirfore when the house was repossessed the share in the property which was mine was taken to pay of the debt.

However according to my credit file it shows the original policy as being settled when she resturctured the loan, however the new policy she only signed is on my credit file as a new debt even though I have not signed it.

First question is are they legallly allowed to ignore the new legal charge document and just leave the old one their or should that have been discharged.

Secondly, Why when I had not signed the new policy did the lender register me as being on the new policy theeirfore showing on my credit file as if the loan was joint.

Any help would be appreciated thanks.

jingle68

I took out a personal loan from Alliance & Leicester in Dec 2001, i applied online, received a phone call stating i MUST take out PPI to get the loan approved.
That is all the info i have, unfortunately i applied just after leaving hospital after a serious car accident (hit by drunk driver), i took out the loan to purchase another car, dont know why i applied because i had 2 broken legs,a fractured skull & a brain injury?? there was no chance of me driving for months.
Because of the head injury, i have no idea or info on the loan details,when it started or finished or its ID.
I have written to A&L twice & have had no reply.
I need to trace this loan because i believe i was mis-sold the PPI because i was forced to take it out to get the loan.
My bank details do not go back far enough for me to find the payments taken.
Please can somebody help me to trace this loan info??

thank you.

di3004

marshallka wrote: »

Thats better Di. I would also put a complaint into FOS and state that you have done in your letter too.

Use mine if you want:D

I got used to sending these out with my "secret" claim

Well done hunni and thank you.
I have added a bit of mine and all yours lol.....:D
Marvellous and yes hubby has already taken it to the post for recorded delivery, will add the ref number on here later.;)

The address details are now that of HFC.......:rolleyes: and not that of Endeavour anymore, but then this is their complaints dept, I checked them out online.;)

Thanks again hun, sorry I have not posted much, as you know I've been getting on with that letter ,they will have a shock if they receive a reply so quickly, hopefully tomorrow lol.:D

marshallka

di3004 wrote: »

Well done hunni and thank you.
I have added a bit of mine and all yours lol.....:D
Marvellous and yes hubby has already taken it to the post for recorded delivery, will add the ref number on here later.;)

The address details are now that of HFC.......:rolleyes: and not that of Endeavour anymore, but then this is their complaints dept, I checked them out online.;)

Thanks again hun, sorry I have not posted much, as you know I've been getting on with that letter ,they will have a shock if they receive a reply so quickly, hopefully tomorrow lol.:D

I am glad you have sent it off. Its not right them telling you that you cannot go to FOS. I remember FOS telling me that about co-op. Its up to FOS who they accept claims from and not these companies telling us.

Good luck Di, you really deserve it.

di3004

marshallka wrote: »

I am glad you have sent it off. Its not right them telling you that you cannot go to FOS. I remember FOS telling me that about co-op. Its up to FOS who they accept claims from and not these companies telling us.

Good luck Di, you really deserve it.

Thanks hun....;) , also just to say I did not give them 14 days but that now of only 7 for any further information they want to submit, because they had already had from 30th July to deal with this.;)
Not sure if that is fair but then they have not been fair to me and goodness knows how many more customers.:rolleyes: .

Wow your so cool with your letters hun.:D And thanks again.

Di.
x

marshallka

di3004 wrote: »

Thanks hun....;) , also just to say I did not give them 14 days but that now of only 7 for any further information they want to submit, because they had already had from 30th July to deal with this.;)
Not sure if that is fair but then they have not been fair to me and goodness knows how many more customers.:rolleyes: .

Wow your so cool with your letters hun.:D And thanks again.

Di.
x

Good for you Di. I think 7 days is plenty considering how long they have had up to yet.:D

Angel_A_2

di3004 wrote: »

Yes you keep at them becsblade, you have grounds to complain here, mine and my hubbys is with the FOS right now for the same reasons as yours also Lloyds TSB.
How long ago did you complain to LLoyds?, if it were a while ago, say 6 months ago I would write back again and threaten them with the Financial Ombudsman Service, if this was not so long ago and they have supplied you with their final response then get a complaint form done from the Financial Ombudsman service.;) .
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Complaint form on the link.;)

Good luck.
Di.
x

Hey guys, I think LLloyds TSB are by far the worst!!

I have sent my claim into the FOS and this morning got an acknowledgement from them regarding this and my Redcats Claim too.

Lloyds Literally badgered me into purchasing PP on my credit card, the woman was so rude and did not explain my options at all! I stupidly fell for it!

Well anyway I did the template letters and got nowhere, the bums got in their final response after about 6 months of two-ing and fro-ing!!!

So I'm awaiting the outcome of the FOS (fingers crossed for us all huh) - LLODS TSB ARE the flaming cowboys!)
Thanks Marshallka and you too Di you two are our Champions!! And BeckiBlade too for your bit - hope you get a result.

Will be back and let you know my good, bad or ugly news...could be a while though, i think the queue is Growing as we speak! lol

Oh and ps. can i just call up the fos for updates, like for instance tell them I'd accept my claim from the date the FOS regulated them (REDCATS)? Thanks in advance

di3004

heavenlygee wrote: »

Hey guys, I think LLloyds TSB are by far the worst!!

I have sent my claim into the FOS and this morning got an acknowledgement from them regarding this and my Redcats Claim too.

Lloyds Literally badgered me into purchasing PP on my credit card, the woman was so rude and did not explain my options at all! I stupidly fell for it!

Well anyway I did the template letters and got nowhere, the bums got in their final response after about 6 months of two-ing and fro-ing!!!

So I'm awaiting the outcome of the FOS (fingers crossed for us all huh) - LLODS TSB ARE the flaming cowboys!)
Thanks Marshallka and you too Di you two are our Champions!! And BeckiBlade too for your bit - hope you get a result.

Will be back and let you know my good, bad or ugly news...could be a while though, i think the queue is Growing as we speak! lol

Oh and ps. can i just call up the fos for updates, like for instance tell them I'd accept my claim from the date the FOS regulated them (REDCATS)? Thanks in advance

Well done hunni, that's the way.:D
Fingers crossed here for you too hun.;) Cheers.:A

Go and get em....:D :j .

Di.
x