PPI Reclaiming discussion Part II

di3004

Hello there folks.

I have been here and I haven't sort of thing........:rolleyes: , been doing some updates on the puter........taken forever though......:rolleyes: .

Di.
x

di3004

maxdp wrote: »

Hi Marshallka and Di

Thank you for all the links and info put on here last night have been looking through this morning.

Hi there maxdp, tour very welcome hunni.;)
Very useful I thought.:D

Hope your okay hun and where is our Marshallka today ?

Di.
x

maxdp

Hi Di

Your puter must be so updated by now and most be working superfast. Am changing my broadband package from orange to bt so fingers crossed cause I do not know what I am doing. lol.;)

maxdp

di3004 wrote: »

Hi there maxdp, tour very welcome hunni.;)
Very useful I thought.:D

Hope your okay hun and where is our Marshallka today ?

Dont know been very quiet. Hope she is ok.:D

ellybal

hi i have applied with a sample letter to capital one for a mis-sold ppi they have replied today stating that they got in touch with all customers they mis-sold to therefore they are rejecting my claim is this right does anyone know

marshallka

I am here;) . Just been lurking in the background a bit. Trying to get my sons bedroom ready for his new bed. He's 21 but no sign of leaving yet . To tell you the truth i am glad about that. I would be the sort who would get empty nest syndrome.

Thanks for missing me you two:A

marshallka

ellybal wrote: »

hi i have applied with a sample letter to capital one for a mis-sold ppi they have replied today stating that they got in touch with all customers they mis-sold to therefore they are rejecting my claim is this right does anyone know

Capital One was fined by the FSA but i don't know that they had contacted all customers missold. I would write again. What sort of ppi was it?
Was it on a loan or credit card and when was it first applied.?

di3004

Of course we missed you Marshallka hun, your a part of this site......:D :j , lol.....:A .

I do often wonder if Jamie my eldest will ever want to go, but I think he just loves Christmas and birthdays so much - he seems to think he will have any if he leaves home lol.......:D . He will be 20 this year.;)

Good luck maxdp with your new provider, I have not got a clue with puters, I generally leave the techo side of things with the in law or my son, cos my hubby hasn't got a clue either........:D .
Its only now I'm learning how to update and have been online for a good few years now......:o .

tiggrae

marshallka wrote: »

I am here;) . Just been lurking in the background a bit. Trying to get my sons bedroom ready for his new bed. He's 21 but no sign of leaving yet . To tell you the truth i am glad about that. I would be the sort who would get empty nest syndrome.

Thanks for missing me you two:A

hi it wasn't section 5 on the Unfair Contract Terms I should have put Section 3 - General Terms & Conditions - Termination of Benefit & Cover on the Payment Protection Plan - it's the last paragraph which states ' If you settle your loan or cancel your policy before the end of this period you will receive a partial refund of your premium. This will not be proportional and may be substantally less than the amount originally paid.'

If that isn't an unfair contract term then I don't know what is !!!!

tiggrae

marshallka wrote: »

Capital One was fined by the FSA but i don't know that they had contacted all customers missold. I would write again. What sort of ppi was it?
Was it on a loan or credit card and when was it first applied.?

suspect it was before the ppi was before 15/01/05 - capital one were only fined for sales made after that date