tiggrae wrote: »
For anyone who's interested in the Judicial Review - saw the following on another web site
The outcome of the Judicial Review into PPI Redress is expected shortly. Whilst a decision has been reached, it will not be made known until officially handed down by the Judge. This is expected as soon as the legal teams of the various parties can fix an avaialble date in the Judge’s calendar.
The Judicial Review (JR), which commenced at the end of January, was instigated by the British Bankers Association (BBA) against the Financial Services Authority (FSA) and the Financial Ombudsman Service (FOS), challenging the ability of the FSA to impose fines for breaches by lenders of certain rules and regulations rules as well as challenging the calculation methodoly for determing consumer redress. The legal challenge is expected to run on, even after the Judge has delivered his decision, as it is likely to be challenged by the losing party.
klflosser wrote: »
I know that the advice is not to cancel PPI on a loan before mis-selling decided (or not as the case may be). However is it acceptable to cancel it on a credit card as only applied on a monthly basis anyway. Just realised it is still added to my Barclaycard.
Smamfer wrote: »
Sat night about midnight and what do i decide to do,, sort some ppi's out, I did start this last year but stuff happens and stupidly i didn't continue it thoroughly.
Just a heads up really and a bit of advice if poss please?
Capital one i wrote to them 2 times last year and never had a response so i have just done a letter using the template its only for £122 but fingers crossed i may hear something this time. This is for late payments and fee's . My credit limit has only ever been £200 and had this card since about 2004 so £122 is minimal compared to some but still unfair.You have done the right thing in writing back to them if you never received a response from them, normally if you did receive the final response and you were not happy with it, then you would have 6 months as from the final response letter to complain to the FOS, but as you've heard nothing then in my opinion there is no harm done in trying again.Good luck on this, but if you want to as well post about this one as its in regards of charges on the reclaim card charges thread here.http://www.moneysavingexpert.com/reclaim/credit-card-chargeshttp://www.moneysavingexpert.com/reclaim/credit-card-charges
Halifax i have a credit card with, i had PPI on this starting at about £5 per month now rising to about £12.00 I wrote to them last year saying i don't feel i actually accepted PPI as aswell as being in employment i have always had a second job from home so would always be able to make my payments.
I then received a standard " sorry you feel unloved and poor" letter back from them on 26th January 2011. I heard nothing back just a phone call to say it was being looked into and then on 16th March i receive another letter similar to above saying they will consiuder it and let me know, standard im sure, but there was nothing in the letter that stated how long until they will be in touch, Can someone let me know what time limit they are to work on please?I would chase them up on this one, they normally have 8 weeks to make a decision, write and tell them your still waiting and you've not received no decision, however you are in your right to make a compaint to the FOS if this have been ignored once the 8 weeks have passed, so let them know this as well.
I also have a reward account with Halifax which i have constantly been in the overdraft for a while, I make regular payments but their charges are the ones like for many of us are putting me back up. I had a lot of problems with this last year where they were removing money from one account to clear it leaving me short, then id be on phone for hours and writing letters asking them to not just do that as it was causing financial difficulty etc etc. I did pay the £10 for all my details on this account. Eventhough i have not started anything with this am i entitled to at least add up what charges i have incurred and see if i can reclaim? My main point for this and any other financial difficulty is that when i was out of my main work or on a low income i was visiting my bank regulaly explaining my situation and felt nothing was there to help me at all, they never asked if i had a loan, a credit ard nothing just kept charging me.For this one, for advice I would post on the very first link I posted above where you will receive the best advice, but what I would do is write to them only and do not deal with them directly as such or on the telephone.The 2nd link posted above should give details on what to do also if in hardship, good luck.
One more thing if i may... sorry to go on... in about 2007 i took out a loan for £2199.00 the opening balance was £2365.35 i diid not and have never had ppi on this and never missed a payment, but upon taking the loan soon after i received a Bank Of Scotland account with a £500 visa limit card on it, I never requested this but at the time thought it was linked to my loan or something else so naively just carried on with it. Are they allowed to do this as i have continuously gone through my paperwork and can find NO letter asking if i agree to it or signature or anything.I would write to them and ask them about this, tell them you didn't ask for it and wondered what it entailed, ask them to send you a written explaination, you could also write with a simple letter, enclose £1 cheque or postal order, ask them to send you a copy of the loan agreement by 12 days.All details of the loan should be disclosed on the loan agreement.
Sorry i rambled but thought it best to get it all down in one rather than keep asking
Many thanks in advance for any "simple to follow" advice anyone can give me xx
Gunnersaurus wrote: »
So... Capital One have responded and have advised that they're not paying out, as I supposedly agreed to take out the PPI over the phone when I called to activate my card in 2004. The trouble is, I don't remember the conversation, I never had any paperwork confirming the Ts and Cs and I have no paperwork advising that I even had PPI insurance on my card, I just paid it every month until 2008.
Capital One are refusing to give me a copy or full trancript of the telephone conversation, which I find odd, as I thought I legally had a right to information held about me.
They have also said this is their final decision. Is it worth me writing back threatening the FOS, or do I just write to the FOS?
I thought my luck was going to run out at some point!!! 2 out of 3 aint bad! 3 out of 3 would be better!
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