PPI Reclaiming discussion Part II

di3004

Hi all.;)

I am soooooo shattered, but at least we finally have my son's new car...:j .

Sorting it all out was a nightmare but managed to get a pretty reasonable insurance for him.:beer:

Sorry I have not posted much again today, with all this stuff going on I have not had time to get on with hardly anything else.....:rolleyes: .

Oh yes the Sky Mags......:mad: , but naff all from anyone I'm expecting to hear from..... .

MWH1

MBNA seem to think the FOS won't be able to look at my PPI reclaim on a credit card. The PPI was cancelled in 2002, but I made sure the letter I sent them was just inside 6 years. Are they talking a load of HBOS (rubbish :rotfl: )?

tiggrae

MWH1 wrote: »

MBNA seem to think the FOS won't be able to look at my PPI reclaim on a credit card. The PPI was cancelled in 2002, but I made sure the letter I sent them was just inside 6 years. Are they talking a load of HBOS (rubbish :rotfl: )?

nope - unfortunately MBNA did not come under the FOS's Jurisdiction 6 years ago so they won't be able to look at your complaint - you do have the recourse of starting Court Proceedings though

tiggrae

TreeHugger wrote: »

I originally wrote to Natwest who I got the loan through but received a questionnaire from Royal Bank of Scotland (RBS)...I always thought they weren't part of the same organisation but what the hell...I have now responded to RBS and sent them the completed questionnaire with details of the Natwest loan that I took out...I have a week or so left in which time I should receive a response from them (they state usually within 4 weeks)...so will wait and see what happens....

RBS own NatWest

tiggrae

alleybabes wrote: »

hi just to update on whats happening with my dispute with hfc bank,i went to a hearing 31st as they wanted to have my judgement put aside and they go their way of course! i now have to start all over again! i have to fill out an allocation questionaire and return by 8th september,i also have to pay £35 on top of the £80 i paid already,at the hearing the judge said he was confused how i worked out my interest which on hindsite think i calculated it wrong! its all so confusing anyway will it go against me if i made a mistake with the interest shall i admitt i made a mistake,cant believe i have to start all over again when i won judgement against them

£35 is to file the allocation questionaire - you also seriously need to look at the interest - you've signed a statement of truth which means the amount has to be correct or you could have your whole claim struck out - how did you calculate it ? If it's wrong you can apologise to the court and apply to have your claim changed

tiggrae

marshallka wrote: »

So can you not go to the FOS then??? Surely one of them must be accepting the claims....

the FOS are handing all picture claims over to the FSCS - so they should be declared in default soon. Another company has taken over the loan processing

marshallka

tiggrae wrote: »

the FOS are handing all picture claims over to the FSCS - so they should be declared in default soon. Another company has taken over the loan processing

A phoenix firm probably just like with "Click". :eek:

Pixie1811_2

We got a secured loan with first plus in October 2005 and they told us that if we took out their PPI we would get it all back after 5 years. We were advised to take the PPI out in my husbands name only but they never even spoke to him about it and he has high blood pressure and is on medication for life but they never asked me about any present or previous medical conditions for him. They did not advise us that if any payments were missed we would not get anything back anyway. They did not advise us that if we remortgaged it is likely that we would have to include this secured loan in the remortgage and would lose out on the PPI cash back anyway. We took the loan out through Capital One as brokers who had taken over HFS loans which have used before and were okay. Capital One did not explain things properly and all the paperwork relative to the PPI was sent out after the loan was signed for and taken out. We have a company trying to get this money back for us as we remortgaged a year last June (again through Capital One Mortgages) and we had to include this secured loan in our new mortgage. Capital One mortgages have written back and said that loan is finished, no money back blah blah but the company we have employed to get the money back have sent this to the Financial Ombudsman now and we are waiting to hear from them. We feel 100% conned out of nearly £7000.

marshallka

Pixie1811 wrote: »

We got a secured loan with first plus in October 2005 and they told us that if we took out their PPI we would get it all back after 5 years. We were advised to take the PPI out in my husbands name only but they never even spoke to him about it and he has high blood pressure and is on medication for life but they never asked me about any present or previous medical conditions for him. They did not advise us that if any payments were missed we would not get anything back anyway. They did not advise us that if we remortgaged it is likely that we would have to include this secured loan in the remortgage and would lose out on the PPI cash back anyway. We took the loan out through Capital One as brokers who had taken over HFS loans which have used before and were okay. Capital One did not explain things properly and all the paperwork relative to the PPI was sent out after the loan was signed for and taken out. We have a company trying to get this money back for us as we remortgaged a year last June (again through Capital One Mortgages) and we had to include this secured loan in our new mortgage. Capital One mortgages have written back and said that loan is finished, no money back blah blah but the company we have employed to get the money back have sent this to the Financial Ombudsman now and we are waiting to hear from them. We feel 100% conned out of nearly £7000.

Can i ask why you employed a company to get this back for you? Did you start the claim off for yourself and they said "no". Most claims for single premiums are being upheld by the FOS if they were taken out after January, 2005 as this is when the FSA took over the sale of insurance. Have the company sent this to the FOS for you already???

catinthehat1

- I'm worried as I keep looking at the PPI successes and there seems to be only 50 pages or so, but this one goes on, and on and on!!!!!