PPI Reclaiming discussion Part II

di3004

maxdp wrote: »

Oops did not read properly:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::D

I have read it again and it did make sense. Have been bit distracted one on the Olympics and secondly my daughter has gone to Reading Festival for the weekend and I had to pick up her GCSE result today and she will not let me open them:mad:

She does not get back until Monday. Have tried steaming and holding up to light but cannot see anything through envelope. Have also tried threats and bribery that has not worked.

Have tried to make cat sick on envelope so i can "save" the contents, just the one time you want cat to be sick not a fur ball in sight.

Have threatened to have her taken in for mental health assessment or declared Gillick competent she said if I do she will post not very nice photo she took of me in garden when tipsy and tripped into flower bed.:rotfl::rotfl::rotfl::rotfl:

What is a mother meant to do:D

Lol, no worries hun, I know the feeling, I have the olympics on here too and getting very distracted by it, but WOW we are doing well do you think ?:D :j .

Aww noooooo, that's agonising waiting for the results.......:eek: , I would be pulling my hair out by now......:eek: :rolleyes: , I have been through all that with my older son, in the GSCE year, A/S and the A level results, he kept me waiting just for a few hours........that was long and bad enough ......:rolleyes: , time has flown since, he is 20 this year........:eek: .


Good luck with your daughter's results hun, I'm sure she done really well and you will be proud with whatever she had.:beer: .

Di.
xx

di3004

marshallka wrote: »

What we all ought to do is send our complaints into FOS and let them get the final response as most of them are always "no" then this would speed up the process and save on the postage for us.:D

Yes a brilliant idea, well thought Mashallka......:D :j

marshallka

Can anyone tell me if this term and condition looks ok to you or is it quite dodgy and not fair

5. Interest will be charged on a day to day basis on the outstanding balance of the Loan and will be debited to your account monthly in arrears. We may at our discretion, credit payments received from you either to your account balance or interest outstanding under the agreement.

maxdp

di3004 wrote: »

Lol, no worries hun, I know the feeling, I have the olympics on here too and getting very distracted by it, but WOW we are doing well do you think ?:D :j .

Aww noooooo, that's agonising waiting for the results.......:eek: , I would be pulling my hair out by now......:eek: :rolleyes: , I have been through all that with my older son, in the GSCE year, A/S and the A level results, he kept me waiting just for a few hours........that was long and bad enough ......:rolleyes: , time has flown since, he is 20 this year........:eek: .


Good luck with your daughter's results hun, I'm sure she done really well and you will be proud with whatever she had.:beer: .

Di.
xx

Yes it has been fab.

You are quite right I will still love her whatever. JUST WANT TO KNOW:eek:
They grow up so quickly:D

di3004

Golly I did not realise the time.......:eek: , must pop out to buy a birthday pressie for my brother in law....., don't have a clue what to buy him though..... , its his birthday tomorrow.......:rolleyes: .

Catch ya lata folks.

Di.
x

marshallka

di3004 wrote: »

Golly I did not realise the time.......:eek: , must pop out to buy a birthday pressie for my brother in law....., don't have a clue what to buy him though..... , its his birthday tomorrow.......:rolleyes: .

Catch ya lata folks.

Di.
x

A helicopter:D

singlep

di3004 wrote: »

This is the letter sent at first dated 30th July, they must have either not read it as this is the complaint about the "unfair rebate" and not that of mis selling:

Dear Sirs

With regards to the above, upon early settlement of my Loan in November 2005, I only received a small proportion of the rebate against the Loan/Payment Protection Insurance which I believe to be unfair under the ‘Unfair Consumer Contract Terms Regulations 1999, especially considering this policy was taken over 25 years and settled only one year later.

I am also aware the FSA have stated companies should provide a fair refund upon early settlement.

Also, as only a small proportion was rebated, yet your marketing state ‘if you settle early you may be entitled to a refund, in my opinion I did not receive a refund and believe this statement to be mis-leading and amounts to Negligent Misrepresentation under the 1967 Misrepresentation Act.

In summary, I do not feel I was treated fairly, should you fail to uphold my complaint by which I believe you Unlawfully deprived me of approximately £3722.68, if this amount plus 8% Statutory Interest is not forthcoming, upon receiving your final response, I will without further notice take my complaint to the Financial Ombudsman service, on the grounds of Unfair Settlement Rebate.

I look forward to receiving your response within 14 days of this letter.


Yours faithfully

..........................................................................................................................
And this is the letter sent dated 14th August:

Unfair Rebate Reclaim/
Account Number:

Dear

I refer to your letter dated 12 August 2008 in which you stated that my “new complaint” of an “unfair rebate” of the policy that we had with yourselves fell outside the Jurisdiction of the Financial Ombudsman Service.

I have today received some advice about this matter and it has been confirmed to me as the complaint is about the “settlement” of the policy and the date of my settlement of this was November 2005 then this is a matter that the Financial Ombudsman service will be able to assist with.

I am surprised by your little knowledge on this matter, and just in case you receive any similar complaints then I suggest that you get the facts right before actually writing to customers with this misleading information.

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 when 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. So I am now preparing to take this further to these, so if you could respond within 7 days of this letter as this complaint has already been over the requested time going from the letter 30th July 2008, and I believe these 7 days are fair from the date of this letter, in order to give you a chance to add anything further or for you to resolve this matter, I enclose copies of all correspondence.

Please refer to my letter dated 30 July 2008, and reconsider this request for a refund.
I look forward to hearing from you within 7 days of this letter.

Yours sincerely
....................................................................................................
And not a reply as yet.:rolleyes: Personally I think by the time they receive it, we should hopefully hear something in tomorrow's post, if this is not resolved hubby wants to start making some arrangements for court.;)

My response to this letter would be "I have read your second paragraph with interest but I am unable to find any reference or guidance in the Dispute Resolution Handbook which sets out the FOS rules including the 2005 transition arrangements. Please advise the handbook reference and we will be pleased to investigate further"

Busta_3

Hi guys, hope your doing better than me, i m sooooo tired... anyhow jsut to update you, ihave had no further response from the Adjudicator, last letter rec'd was 12 August 08, so really just waiting to hear what Halfax/BOS have got to say and will offer.

How long does this normally take?

I spoke to FOS about my mortage PPI claim, buta paprently they have not allocated this one as yet

marshallka

singlep wrote: »

My response to this letter would be "I have read your second paragraph with interest but I am unable to find any reference or guidance in the Dispute Resolution Handbook which sets out the FOS rules including the 2005 transition arrangements. Please advise the handbook reference and we will be pleased to investigate further"

So again you are saying that there are no claims pre 05 for unfair rebates accept through the courts. She has not had a response yet but please Tiggrae come and put us right .

Perhaps Tiggrae thought they were GISC members at the time of the settlement.

Should she have worded it different and put unfair terms in consumers contract regulations 1999 where i was dispropotionally rebated on a loan that paid a ppi policy and then would the FOS be able to look into this.

Please someone let us know what words to use for these complaints. If Endeavour were members of GISC then would this be right.

singlep

marshallka wrote: »

So again you are saying that there are no claims pre 05 for unfair rebates accept through the courts. She has not had a response yet but please Tiggrae come and put us right .

Perhaps Tiggrae thought they were GISC members at the time of the settlement.

I have said before that I am happy to be wrong if someone will only tell me the Handbook rule that says Unfair Rebates override the GI complaint transition 2005 rules. If there is no rule there can be no transition and no complaint.