PPI Fob Off Letters

[anitaparrott]

Hi Again Everyone

After a bit of advice. I've now had 2 fob off letters from BarclayCard and Capital One and anticipate more like this. They are regarding the PPI claim back on Credit Cards.

They say that its my responsibility to check my statments. Has anyone else had this and how have you replied to their letter?

Thanks

Anita

[Hopeful1]

I've said in my last letter to MBNA that i wasn't aware i was entitled to ask for a refund until recent media coverage.

Some-one else may have a more official version

[anitaparrott]

Can anyone else offer any advice on this?

[hellhasnofury]

Originally Posted by anitaparrott

Can anyone else offer any advice on this?

Hello AP,

I would have said that it was their responsibily not to mis-sell it in the first place. You trusted them and they took advantage and of course they have to blame some-one it couldn't be them. Did you watch the Whistleblower programme on them. The whole of the country say it, so would you trust anything they ever told you. They are heartless in their endevour for profit.

I still remember some poor old guy, who had nothing and was living in a bedsit. he went to ask for a loan to buy a bed to sleep in. They refused him the loan, and then tried to sell him house insurance and stated he was at risk in case there was a fire. Absolutely scandalous, how do these people sleep at night.
r

[Hopeful1]

Hi Anitaparrot. You could write again, saying you were not aware of your rights previously and outline exactly why / how they mis sold the PPI. Give them a further 14 days to respond and tell them you will take further action after this time.

I'm preparing to send my Barclays info to FOS re the PPI. Others have are going down the court route.

[anitaparrott]

Originally Posted by hellhasnofury

Hello AP,

I would have said that it was their responsibily not to mis-sell it in the first place. You trusted them and they took advantage and of course they have to blame some-one it couldn't be them. Did you watch the Whistleblower programme on them. The whole of the country say it, so would you trust anything they ever told you. They are heartless in their endevour for profit.

I still remember some poor old guy, who had nothing and was living in a bedsit. he went to ask for a loan to buy a bed to sleep in. They refused him the loan, and then tried to sell him house insurance and stated he was at risk in case there was a fire. Absolutely scandalous, how do these people sleep at night.
r

I did see that yes. I know this whole PPI thing is quite new. I've managed to reply to one of the fob off letters I've received, just struggling with a couple of them. One of them I e-mailed the FOS about but that was over a week ago and they haven't replied to my email yet.

[anitaparrott]

Originally Posted by anitaparrott

I did see that yes. I know this whole PPI thing is quite new. I've managed to reply to one of the fob off letters I've received, just struggling with a couple of them. One of them I e-mailed the FOS about but that was over a week ago and they haven't replied to my email yet.

I had another fob off letter from Lloyds... I called the FOS in the end. Very useful. They advised me that although Lloyds told me that because my complaint was over 6 years old they didn't think the FOS would investigate it. The lady I spoke to said they would investigate because Llloyds had been regulated since 1998 by another body. So I wrote them a reply letter yesterday telling them that I'd taken advice from the FOS.

Still working on the others.............!

[Hopeful1]

Good stuff AP. Let us know what happens next