PPI Reclaiming discussion Part II

di3004

When receiving that letter from the FOS last week or so to confirm about them being able to look at the complaint about the unfair rebate they also enclosed the form and added the date of 21 Nov 2005 for me because this was the actual date of the settlement.
I am glad I emailed them now to get this response from them, because know in me I would have accidentally added the date of when taking out the policy.

marshallka

I did not put 2000 as my complaint date. I put 2003 and they wrote to me that your complaint about unfair settlement was dated in 2003.

I want to know if the FOS have made a big mistake and caused me more work and stress.

I am now queuing again with the same complaint...

Tiggrae says complaints about unfair settlement and unfair rebates are the same earlier in a post.

here look
I don't understand what you mean - how are you defining the difference between an unfair rebate and unfair settlement

di3004

marshallka wrote: »

They have quoted the date being 2003 and that this means that we cannot look into this as your complaint happened in 2003 and FIrstplus did not come under our jurisdiction until 14th January, 2005.

Have they made a mistake here and if they have then i want something doing about it. I am back in the queue.

I think it may have been a possibility they were mistaken, I will see if I can catch that guy and see if his was about mis selling or unfair rebate settlement when the FOS had then accepted they would look at his complaint.
The way I see it the FOS overlooked his and as soon as this guy mentioned about GISC they said they will take a look again.
I think he did also request for another adjudicator to look at his complaint, (I'm sure that is what I did read) and he has had no come backs so far and this was a few months ago.
Think his was Welcome Finance.

di3004

marshallka wrote: »

I did not put 2000 as my complaint date. I put 2003 and they wrote to me that your complaint about unfair settlement was dated in 2003.

I want to know if the FOS have made a big mistake and caused me more work and stress.

I am now queuing again with the same complaint...

Tiggrae says complaints about unfair settlement and unfair rebates are the same earlier in a post.

here look
I don't understand what you mean - how are you defining the difference between an unfair rebate and unfair settlement

The consumer consultant added ours on the form as
"unfair rebate settlement",

I do not really know the difference here hun......

marshallka

di3004 wrote: »

The consumer consultant added ours on the form as
"unfair rebate settlement",

I do not really know the difference here hun......

Can you understand why I am so annoyed here. :mad: :mad: Yes i am driving myself mad but the wording of the letter from the adjudicator was that



Your complaint was for settlement which took place in 2003.

Firstplus did not come under our jurisdiction until 14th January, 2005 so I am afraid i am unable to look into your complaint.


Where was the problem here????

The date was ok as they were members of the GISC in 2001. The complaint was OK as they do look into unfair settlements.

What did i do wrong???

marshallka

I know i am harping but i did do a complaint for this reason that everyone else is doing theirs for and mine waited in the queue and then got assigned an adjudicator and then 2 days later they turn me away. I am annoyed and feel let down.

I want to know why???? I need to know why for peace of mind and Tiggrae seems to think that we can put these complaints in. I waffled on about the rule 78 on my complaint before as I was told by FIrstplus that my settlement was high because of the use of rule 78 and i did not understand that this policy being front loaded and also the small rebate against it and also the fact that interest was charged on it for the full term of the loan. That was my complaint before. What was wrong in this??

Where did i go wrong??

di3004

marshallka wrote: »

Can you understand why I am so annoyed here. :mad: :mad: Yes i am driving myself mad but the wording of the letter from the adjudicator was that



Your complaint was for settlement which took place in 2003.

Firstplus did not come under our jurisdiction until 14th January, 2005 so I am afraid i am unable to look into your complaint.


Where was the problem here????

The date was ok as they were members of the GISC in 2001. The complaint was OK as they do look into unfair settlements.

What did i do wrong???

I really do not know , something has been missed by them, and I think the person who looked at yours had not thought about GISC :mad: .

Lets just hope this time round they will see into this, I really hope they do because something is not quite right otherwise
And hopefully it will go into the right hands this time.;)

tiggrae

marshallka wrote: »

Can you understand why I am so annoyed here. :mad: :mad: Yes i am driving myself mad but the wording of the letter from the adjudicator was that



Your complaint was for settlement which took place in 2003.

Firstplus did not come under our jurisdiction until 14th January, 2005 so I am afraid i am unable to look into your complaint.


Where was the problem here????

The date was ok as they were members of the GISC in 2001. The complaint was OK as they do look into unfair settlements.

What did i do wrong???

I think it's because of they are two separate things loan and insurance - remember the GISC stands for General INSURANCE Standards Council - that's probably why the FOS can't look at a settlement on a Loan with FP as they didn't come under their jurisdiction for loan settlement until 15.01.2005 - but as they are members of the GISC they can look at the insurance aspects !!!

di3004

marshallka wrote: »

I know i am harping but i did do a complaint for this reason that everyone else is doing theirs for and mine waited in the queue and then got assigned an adjudicator and then 2 days later they turn me away. I am annoyed and feel let down.

I want to know why???? I need to know why for peace of mind and Tiggrae seems to think that we can put these complaints in. I waffled on about the rule 78 on my complaint before as I was told by FIrstplus that my settlement was high because of the use of rule 78 and i did not understand that this policy being front loaded and also the small rebate against it and also the fact that interest was charged on it for the full term of the loan. That was my complaint before. What was wrong in this??

Where did i go wrong??

Come to think of it hun, mine would have been also calculated by the using the rule of 78 because they did not actually stop this then, not to my knowledge, or the timing was wrong, not sure but I did not actually mention anything about this on the letters as you can see, but still thought it was an unfair rebate on settlement considering we paid off 24 years early.

(It was a regulated agreement because we had less than £25K), but it worked out more than that was actually paid in to this loan, because of the ppi).
Although no ppi was mentioned on the letter, I just put it down to the whole loan rebate was unfair.

marshallka

tiggrae wrote: »

I think it's because of they are two separate things loan and insurance - remember the GISC stands for General INSURANCE Standards Council - that's probably why the FOS can't look at a settlement on a Loan with FP as they didn't come under their jurisdiction for loan settlement until 15.01.2005 - but as they are members of the GISC they can look at the insurance aspects !!!

So what does unfair rebate come under?? GISC or FSA and thanks for understanding :j :j - that is what i have mean't in all my posts tonight.

I have resubmitted under Barclays now trading as FIrsptlus. I will not give up.. At the time of settling with them I was going through hell and I mean hell. (health wise)