PPI Reclaiming discussion Part II

marshallka

PammyG wrote: »

I have to agree with you here as I have used the DIY kit, got nowhere fast, eventually went to see a solicitor and they started getting a response straight away and I got my money back

I still cannot see how the poster previous said that this firm was in fact the most "well know". It puzzles me.

tiggrae

Clb3718 wrote: »

Hey Tiggrae

The amount of PPI that I paid on the £5000 loan was £984 and the APR totalled £460.

My monthly payments were £179

Not sure if this included any interest but when I spoke to the Bank of Scotland yesterday they seem to think that the figures for PPI is: £560.50 plus £88.94 Interest?

This is what Im confused about, as this only totals £649.44, which if you add this and the total APR paid only totals £1,109.44. I dont know what has happened to the other £334.56 that I feel I should be reimbursed.

Sorry if its still not clear, let me know if its not and ill try and explain more.

Thanks hun
xx

do you have the original loan agreement ?

marshallka

Tiggrae, if a firm of solicitors has an id number and you search that number on the Solicitors Regulation Authority site and it comes up with nothing what does that mean??? If i look on the Law society page and then find a solicitor and then look at the regulated principal at that firm it gives an id number. I then go to the solcitors regulation authority and check this number out and nothing... Why is this.

I really need to know this one??

See post below. I found out this one, the search facilty i used is for decisions on solicitors and you can check this out.

maxdp

marshallka wrote: »

Tiggrae, if a firm of solicitors has an id number and you search that number on the Solicitors Regulation Authority site and it comes up with nothing what does that mean???

Hi just PM you:D

Clb3718

Hi Trig

No dont have a copy of the original loan agreement as it was a few years ago. I have requested for a copy which should come some time this week.

Why hun?

Thanks:D

tiggrae

Clb3718 wrote: »

Hi Trig

No dont have a copy of the original loan agreement as it was a few years ago. I have requested for a copy which should come some time this week.

Why hun?

Thanks:D

it's just strange they have it soooo wrong - did you pay the full 36 months, you didn't consolidate they loan did you?

nomorevictims

marshallka wrote: »

Laini's was upheld again and she is just waiting for the money now:j

That's fantastic news. This is a victory and an inspiration for others to keep on going. Can I ask a Q? Is it normal practice for the ombudsman to uphold the decision of the adjudicator?

marshallka

nomorevictims wrote: »

That's fantastic news. This is a victory and an inspiration for others to keep on going. Can I ask a Q? Is it normal practice for the ombudsman to uphold the decision of the adjudicator?

I think so unless the firm has produced some more strong evidence which i very much doubt they would. Also you are allowed to give more information too but if you already won on what you gave initially then you would most probably win again. Try not to worry about it. I think this is stalling method that some firms use.

tiggrae

marshallka wrote: »

Tiggrae, if a firm of solicitors has an id number and you search that number on the Solicitors Regulation Authority site and it comes up with nothing what does that mean???

I really need to know this one??

As long as a solicitor is registered on the law society's web site they are bona fide - as for searching on the Solicitors Regulation Authority website the search criteria automatically takes you to the law society so I'm not quite sure what you're criteria you're searching under

marshallka

tiggrae wrote: »

As long as a solicitor is registered on the law society's web site they are bona fide - as for searching on the Solicitors Regulation Authority website the search criteria automatically takes you to the law society so I'm not quite sure what you're criteria you're searching under

Here is the search facility. If they display that they are regulated by the solicitors regulation authority. You can enter the solicitors name or his/her id number

http://www.sra.org.uk/consumers/solicitor-check.page

The firm that was quoted on here said it has a regulated principal and gave an id number

Regulated principals

This term means principals (sole practitioners; partners; members of a UK LLP which has an office in England or Wales; directors/members/shareowners of a company which has an office in England or Wales; directors/owners of an overseas corporate practice) who are regulated by the Solicitors Regulation Authority.


I think this is something that may help others on here too.


Just looked again and this is for decisions made against solicitors so not about whether they have an id number. I thought you could check the actual id and then check that they are in fact solicitors. It is a useful tool though.

Anyone can add a six figure number to a letter head.????

God i am so untrusting aren't I...Life makes you like that when you have been ripped off.