PPI Reclaiming discussion Part II

di3004

Where is our Tiggrae tonight ?

marshallka

di3004 wrote: »

Where is our Tiggrae tonight ?

I really need her to comment on what singlep says to us. I don't want to give people misleading advice on here and we have a complete difference of opinion with the two or we are taking things they say wrong.

Tiggrae does say (i have looked back at her posts here) that complaints for unfair rebates are about the date of the settlement and they can go to FOS with that date in mind.(ie Di's complaint was about an incident that happened in 2005 but the sale was 2004 when they were not regulated)

Singlep says that its still another insurance complaint and that its the date of sale that matters in complaints to FOS regardless as to whether the complaint was about misselling or unfair rebate .

Sometime ago FOS dismissed my claim for unfair settlement as they were not FSA registered at the time of settlement but they were members of GISC at this time but not at the time of sale.




HELP US PLEASE We will be getting summon's for misrepresentation here:eek:

I have just looked at the court claim form N1 and it does not look TOO scary;)

di3004

marshallka wrote: »

I really need her to comment on what singlep says to us. I don't want to give people misleading advice on here and we have a complete difference of opinion with the two or we are taking things they say wrong.

Tiggrae does say (i have looked back at her posts here) that complaints for unfair rebates are about the date of the settlement and they can go to FOS with that date in mind.(ie Di's complaint was about an incident that happened in 2005 but the sale was 2004 when they were not regulated)

Singlep says that its still another insurance complaint and that its the date of sale that matters in complaints to FOS regardless as to whether the complaint was about misselling or unfair rebate .

Sometime ago FOS dismissed my claim for unfair settlement as they were not FSA registered at the time of settlement but they were members of GISC at this time but not at the time of sale.





HELP US PLEASE We will be getting summon's for misrepresentation here:eek:

I have just looked at the court claim form N1 and it does not look TOO scary;)

I know what your saying hun......:think: and I think I will check out the Court claim form N1 too.:D , cheers.

Di.
x

pinknico

Have just received the application for compensation from the FSCS, looks straight forward. will keep you posted. They have not yet declared Picture to be in default so it may take sometime,can't believe I am the first to make a complaint since they went into receivership!

Laini

pinknico wrote: »

Have just received the application for compensation from the FSCS, looks straight forward. will keep you posted. They have not yet declared Picture to be in default so it may take sometime,can't believe I am the first to make a complaint since they went into receivership!

good luck -hope it works out for you
fingers crossed.

Laini xx

laurajane79

Hi

A SUCCESS STORY!!!

Today we have received a letter from Halifax confirming they will refund the PPI paid to date as follows:

Refund of premium paid to date: £2,673.63
Refund of interest at 8.9% paid to date: £1,379.69
Interest at 8%: £810.66
Refund of last 3 months interest: £188.89
Total: £5,052.87

The paragraph above the breakdown mentions a refund of the last 3 months interest accrued on loan xxx to off-set the fortcoming 2 month deferred period on your new loan, plus interest at 8%.

Can someone advise what that part means? I read it as the next two months will be loan re-payment free but am probably completely wrong!

MANY THANKS IN ADVANCE!
Laura
:money: :j

di3004

pinknico wrote: »

Have just received the application for compensation from the FSCS, looks straight forward. will keep you posted. They have not yet declared Picture to be in default so it may take sometime,can't believe I am the first to make a complaint since they went into receivership!

lol, me too hun, good luck, I have been getting on with mine and photo copying what I think they may need.;)

Di.x

Laini

laurajane79 wrote: »

Hi

A SUCCESS STORY!!!

Today we have received a letter from Halifax confirming they will refund the PPI paid to date as follows:

Refund of premium paid to date: £2,673.63
Refund of interest at 8.9% paid to date: £1,379.69
Interest at 8%: £810.66
Refund of last 3 months interest: £188.89
Total: £5,052.87

The paragraph above the breakdown mentions a refund of the last 3 months interest accrued on loan xxx to off-set the fortcoming 2 month deferred period on your new loan, plus interest at 8%.

Can someone advise what that part means? I read it as the next two months will be loan re-payment free but am probably completely wrong!

MANY THANKS IN ADVANCE!
Laura
:money: :j

well done!!:T :T
congrats:beer:
hope you have a nice treat.:A
its nice to hear some good news it keeps us going knowing hard work pays off.;)
I am still waiting for news on everything so nothing to report.:mad:

Laini xx:j

Busta_3

laurajane79 wrote: »

Hi

A SUCCESS STORY!!!

Today we have received a letter from Halifax confirming they will refund the PPI paid to date as follows:

Refund of premium paid to date: £2,673.63
Refund of interest at 8.9% paid to date: £1,379.69
Interest at 8%: £810.66
Refund of last 3 months interest: £188.89
Total: £5,052.87

The paragraph above the breakdown mentions a refund of the last 3 months interest accrued on loan xxx to off-set the fortcoming 2 month deferred period on your new loan, plus interest at 8%.

Can someone advise what that part means? I read it as the next two months will be loan re-payment free but am probably completely wrong!

MANY THANKS IN ADVANCE!
Laura
:money: :j

Thats great news, so does that mean they are sending you this as a cheque or are they using this towards your loan? so will you actuall physically see any of the refund? im soon to be in teh same posistion, as the adjudicator have worte to Halifax upholding my claim, so just waiting to see what they offer! x

di3004

Getting there with the form, filled in all the nitty gritty bits but will write drafts in rough before adding it in the form to make sure nothing is missed.

Have lots of paperwork to dig out thoughphoto-copying for and think that will take the longest.:rolleyes:

Will not post this until Monday now though by 1st class recorded delivery.;)

With a bit of luck the form should reach them by the Tuesday.:D
Then its then a waiting game which can even take up to six months, quite similar to the FOS really, can take longer, yet when you think of the waiting with the FOS now as they are overloaded with these complaints.......there is not much difference at all I don't think.;)