PPI Reclaiming discussion Part II

di3004

maxdp wrote: »

Hi Di

Hope you are OK. Glad you on here now.

Am trying to sort out contact Nos etc if you would still like these as per our conversation over the weekend.

Hi there maxdp hun, I'm fine thank you and you ?;)

Wow sounds cool hun.....:D

sue149

di3004 wrote: »

Hi Sue
They always deny mis selling hunni, and they always state we answered all the questions and so on, this is basic.
Now if you believe you have grounds for your being mis sold, you need to fight this out hun, as you know there are many reasons of why this was the case, so do not leave it there.;)

Have you checked out the mis selling list on this site hun on here?

http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

Don't let them get away with it.;)

Di.
x

think i will what do i do now do i write too the fos what do i tell them

sue149

sue149 wrote: »

think i will what do i do now do i write too the fos what do i tell them

do i send them copies of the letters i have recieved my main argument is what they have offerd as i would be still paying the ppi off but no cover

tiggrae

sue149 wrote: »

do i send them copies of the letters i have recieved my main argument is what they have offerd as i would be still paying the ppi off but no cover

hi sue before going to the fos you need to write back to FP and tell them their offer is unacceptable and see what they come back with (I've responded to your PM so look at that as well - but basically you'll be paying £63 a month for the remainder of the loan for a PPI which has been cancelled - doesn't seem reasonable to me) but the FOS won't look at anything until you've received a final response from FP

di3004

sue149 wrote: »

do i send them copies of the letters i have recieved my main argument is what they have offerd as i would be still paying the ppi off but no cover

Write back to them again if this is not the final response.
I'm sure I did read you already received this.

If so I would fill in the complaints form (FOS) below link, and add any any correspondence you have in copies, because if this was their final response, you can also add a copy of that letter too.
Now if you still want a cover to cover this which in my opinion I would do but try for a much cheaper stand alone option, I will add what we have on this site hun,
Fos form on here
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

And

check this out

http://www.moneysavingexpert.com/insurance/cheap-loan-insurance#cheapest

marshallka

sue149 wrote: »

as anyone actually ever got there 5 yr rebate back from any of these ppi ie if you dont make a claim you get a lump sum back

sue you only get the actual policy back and not all the interest you have paid as well that they kindly forget to tell you about. Also they often forget to mention that the policy only lasts 5 years and then your loan is not covered but you are still paying for the policy beyond.

marshallka

tiggrae wrote: »

hi sue before going to the fos you need to write back to FP and tell them their offer is unacceptable and see what they come back with (I've responded to your PM so look at that as well - but basically you'll be paying £63 a month for the remainder of the loan for a PPI which has been cancelled - doesn't seem reasonable to me) but the FOS won't look at anything until you've received a final response from FP

Sue has already had a final response she said earlier.

marshallka

di3004 wrote: »

Write back to them again if this is not the final response.

If so I would fill in the complaints form (FOS) below link, and add any any correspondence you have in copies, because if this was their final response, you can also add a copy of that letter too.
Now if you still want a cover to cover this which in my opinion I would do but try for a much cheaper stand alone option, I will add what we have on this site hun,
Fos form on here
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

And

check this out

http://www.moneysavingexpert.com/insurance/cheap-loan-insurance#cheapest

Sue said earlier that she had read the letter again and it was their final response so she now needs to make the complaint to the FOS.

di3004

marshallka wrote: »

Sue said earlier that she had read the letter again and it was their final response so she now needs to make the complaint to the FOS.

lol, just went back and re-read it hun, and added this then in my post after editing lol......:D .

Time to move on now to the FOS now then.;)

maxdp

Hi Di

Have sent you message:D