PPI Reclaiming discussion Part II

dazman20032003

di3004 wrote: »

Now hun.......when did they send you the first letter on this then to have given you that chance?
Was it that long ago because they are supposed to give you a certain amount of time to get back to them too.......:rolleyes:
I assume this must have been the 2nd letter response - am I right?
What was the date on that letter hun?

I SENT THE FIRST LETTER ON THE 27 AUG GOT A REPLY BACK SAYING THEY WERE LOOKING INTO IT ON THE 2 SEPT THEN I RECIEVED TIS LETTER WHICH BROKE DOWN INTO
LOAN ACCOUNT DETAILS
YOUR CONCERNS
MY FINDINGS

THE LETTER ENDED WITH THAT SMALL PARAGRAPH I WROTE ?

di3004

Dazman

Write back to them hun and tell them you are not happy with their response you have no choice but will be complaining to the FOS, (like I said in my earlier post).

You can always add a bit more of information this time round, just to make it that letter a bit stronger sort of thing if you want to.

Did you post up the draft letter on this site before hun - I cannot remember?

How long did you wait before you heard from them, for example 4 weeks from the date of the letter or the full 8 weeks?

di3004

dazman20032003 wrote: »

I SENT THE FIRST LETTER ON THE 27 AUG GOT A REPLY BACK SAYING THEY WERE LOOKING INTO IT ON THE 2 SEPT THEN I RECIEVED TIS LETTER WHICH BROKE DOWN INTO
LOAN ACCOUNT DETAILS
YOUR CONCERNS
MY FINDINGS

THE LETTER ENDED WITH THAT SMALL PARAGRAPH I WROTE ?

Right hun okay no problem, and there is no final response then.

I have just posted above also, but do you still have the copy of the letter you sent them hun, maybe we could add a bit more information on it this time, or if you don't mind me asking was there a few reasons you wrote for this mis selling?

dazman20032003

di3004 wrote: »

Dazman

Write back to them hun and tell them you are not happy with their response you have no choice but will be complaining to the FOS, (like I said in my earlier post).

You can always add a bit more of information this time round, just to make it that letter a bit stronger sort of thing if you want to.

Did you post up the draft letter on this site before hun - I cannot remember?

How long did you wait before you heard from them, for example 4 weeks from the date of the letter or the full 8 weeks?

I JUST USED THE STANDARD LETTER OFF MARTINS SITE USING THE REASONS AS FOLLOWS

SALES PERSON IMPLIED IT WOULD ASSIST MY APPLICATION
SALES PERSON WAS PUSHY
SALES PERSON EMPLIED ESSENTIAL WITH MY ASSOCIATED CREDIT
SALES PERSON DIDNT GIVE ME FULL DETAILS

WELL FIRST LETTER WAS 27/08 AND NOW THE LAST LETTER 11/09 SO NOT LONG REALLY? WHY

maxdp

Sonn1e wrote: »

Hi Di3004

I have looked through the links and filled in the letters to get copies of my accounts, i am sure i qualify. my only concern is my I.V.A (indevidual Voluntary Arrangement) is legally binding. so i am already in a legal situation with these people. does that have an effect on claiming PPI or worse have an effect on my I.V.A? after all its my house on the line, so i need to be sure there's no conflict with these two legal positions?

many thanks for your help Di

Sonn1e

Hi Sonn1e

Have you thought about asking on the bankruptcy forum/ Not saying you have got to that point but you will have lots of people on there who would know about IVA

Just a thought. When you have that info then this site would be able to help you am sure.:D

dazman20032003

dazman20032003 wrote: »

I JUST USED THE STANDARD LETTER OFF MARTINS SITE USING THE REASONS AS FOLLOWS

SALES PERSON IMPLIED IT WOULD ASSIST MY APPLICATION
SALES PERSON WAS PUSHY
SALES PERSON EMPLIED ESSENTIAL WITH MY ASSOCIATED CREDIT
SALES PERSON DIDNT GIVE ME FULL DETAILS

WELL FIRST LETTER WAS 27/08 AND NOW THE LAST LETTER 11/09 SO NOT LONG REALLY? WHY

WHAT OTHER THINGS COULD I ADD IM UP FOR ANY SUGGESTIONS !!!!

maxdp

dazman20032003 wrote: »

I JUST USED THE STANDARD LETTER OFF MARTINS SITE USING THE REASONS AS FOLLOWS

SALES PERSON IMPLIED IT WOULD ASSIST MY APPLICATION
SALES PERSON WAS PUSHY
SALES PERSON EMPLIED ESSENTIAL WITH MY ASSOCIATED CREDIT
SALES PERSON DIDNT GIVE ME FULL DETAILS

WELL FIRST LETTER WAS 27/08 AND NOW THE LAST LETTER 11/09 SO NOT LONG REALLY? WHY

Hi can you put on here what you wrote. Do not put up with any rubbish from these companies they will do anything to pull the wool over your eyes.

If you can put letter people on here will help you or if you have already done so then I apologise cause have not been able to catch up in last week.:D

Know you have put fdetails but whole letter if possible.

di3004

dazman20032003 wrote: »

I JUST USED THE STANDARD LETTER OFF MARTINS SITE USING THE REASONS AS FOLLOWS

SALES PERSON IMPLIED IT WOULD ASSIST MY APPLICATION
SALES PERSON WAS PUSHY
SALES PERSON EMPLIED ESSENTIAL WITH MY ASSOCIATED CREDIT
SALES PERSON DIDNT GIVE ME FULL DETAILS

WELL FIRST LETTER WAS 27/08 AND NOW THE LAST LETTER 11/09 SO NOT LONG REALLY? WHY

Thanks hun

Write back, tell them you are not happy with their response received XX/XX/XXXX and tell them you would appreciate it if they could look again into this complaint and reconsider due to these reasons:

The sales person who had sold this product made you think you had to take this to be accepted for your application.


I was pressured into taking this product, and it was not sold in my best interest.

The sales person said that I had to accept this as part of the agreement, which I now believe this is not the case.

I was not given full details of the payment protection policy, such as the full cost of this and the amount of interest that I would be paying on this product which is very costly, if I were told this was optional I would not have accepted this and would have found a much cheaper stand alone product to cover for my repayments.

Due to this I am out of pocket where I could have saved if I had not been pressured into taking this.

(write it in your own words hun).

Tell them if they do not uphold your complaint and refund you with interest, you will have no option but to forward this to the FOS.

Hope this helps.;)

I have sort of put your list of mis selling reasons into an explanation.
Di.
x

dazman20032003

Thats Fab Will Add Them Then !!! Shall I Send The Same Letter With The Extra Bits And Pieces You Have Suggested To Me ? Sorry To Be A Pain

di3004

dazman20032003 wrote: »

Thats Fab Will Add Them Then !!! Shall I Send The Same Letter With The Extra Bits And Pieces You Have Suggested To Me ? Sorry To Be A Pain

Your not being a pain hun.;)
We love to help and its good to get it right once and for all.:D

What I done above is that of your reasons anyway but put them into an explanation, and just write back with what I wrote above, which is more or less what your list is, and if there is anything you can think of then just add it in.;)
Tell them anyway you will be preparing to take to the FOS if they do not get back to you with a favourable response.;)

Personally I would only give them 14 days now, some may suggest the full 8 weeks again, or maybe 28 days would be reasonable on this 2nd letter your sending.

The others may get back later on a date timescale for this one hun.;)
On the main of my 2nd letters I have only given them 14 days as I wanted to move on with them.;)