PPI Reclaiming discussion Part II

marshallka

fifikav wrote: »

dear all
my postie came today to say halifax say yes!!!no liability but as gogw will refund ppi on credit card plus int accrued plus 8%.they say they have not mis-sold to me but will pay anyway!!!!it says they are taking 3 weeks to settle...but no indication of ammount received...

Just to let you know 4 letters to halifax and the complaint form to FOS. I have had no further communication from them advising an adjudicant was appointed etc....

This went to Fos in April this year...

But a great result:beer:

My ppi claim against M and S has been with FOS since Oct 07 and with adjudicant since May 08...so I guess it also depends if the companies want to fight>>>>

Keep the faith out their..And fingers crossed for all your claims and my other claims against Egg and M and S

Thanks for all your support , without reading posts with words of wisdom...I think i may have given up the fight XXXXXXXXX:T

Congrats on that :j :j

alleybabes

marshallka wrote: »

I would wait for Tiggrae on this one. I feel for you having to go through it all again alleybabes. Why have you had to pay the extra £35 on top??

hi marshallka i dont know why it just says i have to fill it out and pay a fee of £35

alleybabes

catinthehat1 wrote: »

I'm here, most days - just looking, waiting to hear from FOS re credit card claims/PPI claim - it helps to see what everyone else is doing( or not) - knowing that we are all in the same boat!!

we are all in the same boat mate, hope you hear good news soon,i have a dispute with two store cards been with fos since feb,keep getting a letter evey month saying hasnt been passeds on to an adjudicator yet:mad:

marshallka

alleybabes wrote: »

we are all in the same boat mate, hope you hear good news soon,i have a dispute with two store cards been with fos since feb,keep getting a letter evey month saying hasnt been passeds on to an adjudicator yet:mad:

I have only had one letter up to yet and another claim i have i have only had the confirmation of receiving the form. I just hope that they don't do what they did last time in that I was assigned an adjudicator after waiting and then they decided that it was outside their jurisdiction.:eek:

At least yours may be sorted for this side of Christmas. Looks like ours may be the other side but lets hope for all of us its worth the wait.:D

bathgatebuyer

marshallka wrote: »

I hope you win Bathgatebuyer, and very brave of you to take it to the courts. There are a few on here now that could do with doing the same and nice to see a post from someone that has.

Nothing brave about it! I thought it was my only option and applied to the courts and later found out that the FOS did cover insurance in 2001 which is different to what I was told at the time which led me to take the court option.

I was successful reclaiming back charges from the Halifax and that needed a court application to go in before they refunded me, but it was refunded within about a week of them receiving notificaiton of my case from the court.

To be honest, I'm surprised they've let it get to this stage as if I'm successful, I'm sure the FSA would take quite an interest in them being found guilty of mis-selling. The fines from the FSA can be huge, so why they are persisting rather than just giving me back my £1600 + £300 in interest I don't know, particularly when I read of so many of their cases being settled as 'goodwill gestures' for so much more money than I'm looking at.

marshallka

bathgatebuyer wrote: »

Nothing brave about it! I thought it was my only option and applied to the courts and later found out that the FOS did cover insurance in 2001 which is different to what I was told at the time which led me to take the court option.

I was successful reclaiming back charges from the Halifax and that needed a court application to go in before they refunded me, but it was refunded within about a week of them receiving notificaiton of my case from the court.

To be honest, I'm surprised they've let it get to this stage as if I'm successful, I'm sure the FSA would take quite an interest in them being found guilty of mis-selling. The fines from the FSA can be huge, so why they are persisting rather than just giving me back my £1600 + £300 in interest I don't know, particularly when I read of so many of their cases being settled as 'goodwill gestures' for so much more money than I'm looking at.

How much have you had to pay in costs so far if you do not mind me asking??

bathgatebuyer

£85 when I submitted the claim form to the court and a £35 to submit with the Allocation Questionnaire. The hearing is due to be heard by phone - although I would like to attend court given that I am querying the validity of the documentation provided - but this would cost another £200 in hearing costs.

I've tallied up the amount of hours I have spent thus far, and it's roughly 100 hrs from the moment I sent my CCA request, to have to read up on the law, to preparing letters (which they ignored!), to preparing my claim form, to typing it up (all 13 pages), to getting to the stage I'm at now. I've also sent 2 special delivery lettrs, and 16 recorded delivery letters through the course of this dispute.

So, while the official costs are £115, my own time, plus letters and phone calls brings it to about £1000 so far.

I just want to be put back in the same position I would have been had I not been paying into this policy which they never explained the terms and conditions of. I only found out it was useless when I was out of work, desperate and needing it the most. That's the bit that really irks me - happy to take the money over the years but not happy to accept culpability of mis-selling. Hell, their legal team even deny that there is such a legal concept as mis-selling!

catinthehat1

I am also waiting for the postie - but like di3004 only rec'd my Sky mag!!!:eek:

Busta_3

marshallka wrote: »

Is everyone discussing reclaiming something else and i am missing something here. . Or is everyone in the queue at the ombudsman....:D

Its sooo quiet on here.....

LOL everyone is waiting on POST, AND JUSTICE!!!!!


di all i recived yesterday was a sky mag too........ OH PLEASE

x

marshallka

God, i am feeling left out here. I got some offers of some loans and PPI...:eek: