PPI Reclaiming discussion Part II

di3004

marybakers wrote: »

got letter back from tsb regarding mis-sold ppi.it says,thankyou for your letter.i am sorry that you feel the pp policy covering your agreement was mis-sold.it is important that we are made aware of any instance where our customers feel dissatisfied and i have,therefore,investigated the issues you have raised.

when you discussed the loan application and ppi with a member of our staff,you would have been provided with a leaflet summarising the key benefits and exclusions of the cover,that
leaflet also confirmed cover was optional.

only after you were given the opportunity to read the summary leaflet was the agreement document produced for signature.

this is my first letter,i will continue on next page soon.

Hi there Marybakers.

Yep a standard response that is hunni, I have had many of these from Lloyds TSB and now ours is left to the FOS to deal with.

We look forward to hearing more of this hun and whatever you do - do not give up !
Keep fighting, you will get there, not matter what it takes.;)

Di.
x

marshallka

di3004 wrote: »

Emailed Click compliance manager just to request he will respond about the email sent the other day by the end of the week, here is his reply, and it was very quick too lol......:D

Dear

Thank you for your email and I confirm we will be responding over the next few days.

Yours sincerely

Compliance Manager
Click Financial Ltd.

Wow Di, sounds good as at least they are responding this time. I really hope they come up trumps.

di3004

marybakers wrote: »

letter carried on from first letter.

the finance agreement document that was signed would have shown that ppi insurance was purchased when entering into this agreement and shows the full cost of that policy.by signing this agreement,you confirmed that you had read,understood and accepted the terms and conditions of our agreement and wished to purchase ppi as specified.

furthermore,following our acceptance of the agreement,the full policy terms and conditions were automatically sent to you at your home address.as well as confirming the policy eligibility and exclusions,those terms also stated that if you were not entirely satisfied with the level of cover being provided,it could be cancelled in full and without cost by writing to us within 30days of date of this agreement.having checked our records,no such request has been received.

in the abscence of any documentary evidence in support of your claim,i regret to advise that we are unable to uphold your claim that the pp policy was mis-sold.as the agreement with us is now settled and you have had the benefit of cover for the period of the agreement,no refund of the sums paid for ppi will be made.

i am sorry if this is not the response you were hoping for,however,i trust i have confirmed our position.

what happens now,need some help here please.

Thanks for this hun

Now let me tell you, this is what both me, hubby and others received from these hun, they just change the name of the person and the account details.

If this was not their final response, write back and tell them if they do NOT uphold your complaint and refund you, you will not hesitate to take this further to the FOS.

Di.
x

marshallka

Loulou1513 wrote: »

I really didnt know what we'd been sold. I cant find where it says if the policy covered the full term of the loan. I only have an A4 sheet of paper saying schedule on it with a few details on it. I cant find the 2006 loan agreement anywhere. Yet I have the 2003 on here.......I bet hubby has moved it ages ago. He calls it tidying up!! LOL
Would I need to send another letter to them as I've not given them the full details EG: regarding being sold the single premium? Do you think I would get any response if I e-mailed them?
Cheers Marshallka. You've given me a bit more confidence telling me what you have.
:A

I wouldn't send another letter until you get their response first. Then in the next letter you have to go at them with everything you have. You could email them as well but you have to wait for them to send out a final response to you within 8 weeks of making the complaint and then you can take this complaint to the FOS if they say no. I would just wait a while but its entirely up to you. I really hope you win given the headache they have given you.

Maybe another letter would not hurt, depends how long ago you sent the first or just send them an email.

di3004

marshallka wrote: »

Wow Di, sounds good as at least they are responding this time. I really hope they come up trumps.

Thanks hun
Though I do wonder what excuse they will make this time, I do not have a good feeling about this one, but miracles are known to happen lol....:D .

Will post up as soon as they get back to me.;)

marshallka

marybakers wrote: »

letter carried on from first letter.

the finance agreement document that was signed would have shown that ppi insurance was purchased when entering into this agreement and shows the full cost of that policy.by signing this agreement,you confirmed that you had read,understood and accepted the terms and conditions of our agreement and wished to purchase ppi as specified.

furthermore,following our acceptance of the agreement,the full policy terms and conditions were automatically sent to you at your home address.as well as confirming the policy eligibility and exclusions,those terms also stated that if you were not entirely satisfied with the level of cover being provided,it could be cancelled in full and without cost by writing to us within 30days of date of this agreement.having checked our records,no such request has been received.

in the abscence of any documentary evidence in support of your claim,i regret to advise that we are unable to uphold your claim that the pp policy was mis-sold.as the agreement with us is now settled and you have had the benefit of cover for the period of the agreement,no refund of the sums paid for ppi will be made.

i am sorry if this is not the response you were hoping for,however,i trust i have confirmed our position.

what happens now,need some help here please.

This is a standard fob off letter. I would now get number 2 template sent out. You need a final response (and this does not mention final response in it) before taking this to the FOS if in fact it is within their jurisdiction.

What date was the loan PPI ???

marshallka

catinthehat1 wrote: »

Just to let you know I did receive some post today - only just read it (working today!!Long Summer holidays over!!!)

Any way FP have replied that although they have got the amount of dates term of PPI was incorrect, their offer of £775.27 is an enhanced rebate as the remaining period of cover is only 12 months :mad:- they do not say in their letter about reduced monthly payments, so it's in the hands of FOS now!!!

Lets hope they pay you what they owe you now.:mad:

catinthehat1

marshallka wrote: »

Lets hope they pay you what they owe you now.:mad:

Thanks Marshallka - feel pretty fed up today - Let's hope we all get the results we hope for:o

catinthehat1

Have you two (di3004 & Marshallka) had any luck today?

ammeraslam

Hello.
I am new to this and what to know if I can start a topic about PPI and the way Conkers have handled my claim or if I have to start a new topic and how do I do that?
Thank you.