PPI - Some Notes for Claimants..

[Kaaron]

Very interesting thread this - I took out an M&S storecard in 1995 and on the application form it asked how many hours I worked. At the time it was under 16 hours so I had to name my partner.Last year I was made redundant and tried to claim on the PPI but was told I could not as my partner was named , not I. This sucks, as the card is in my name, I made all the payments and they must have had about £3,000 of my money.
They have now served me with a default notice. I phoned someone at the FOS and all they said was "that is correct, if your partner is named , he is the one insured." Is there anything I can do ?

	What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[hellhasnofury]

Originally Posted by Kaaron

Very interesting thread this - I took out an M&S storecard in 1995 and on the application form it asked how many hours I worked. At the time it was under 16 hours so I had to name my partner.Last year I was made redundant and tried to claim on the PPI but was told I could not as my partner was named , not I. This sucks, as the card is in my name, I made all the payments and they must have had about £3,000 of my money.
They have now served me with a default notice. I phoned someone at the FOS and all they said was "that is correct, if your partner is named , he is the one insured." Is there anything I can do ?

Hello Kaaron,

MMMMmmmmm please let me help you with this one pllleeeeaaassse.

The FOS aren't really helpful I have found to my disappointment, but I have had and have an on-going fight with the mighty M&S. Their not as clever and as mighty as they think

Start a new thread on the ppi forum so I can give you some tips and useful information regarding the mis-sold ppi and the application form

oh oh and the default

	What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[Kaaron]

Hellhasnofury-like it!

Yes it,s been a bundle of laughs .M&s have been extremely polite so far but they haven't responded to my enquiry as to why they can't pay me my money yet.

I'd be very grateful for your input here.
Many thanks for the response so far.

[hellhasnofury]

Originally Posted by Kaaron

Hellhasnofury-like it!

Yes it,s been a bundle of laughs .M&s have been extremely polite so far but they haven't responded to my enquiry as to why they can't pay me my money yet.

I'd be very grateful for your input here.
Many thanks for the response so far.

Hiya Kaaron,

Start your own thread and fill us in with the history,events and where you are now please

I am glad to help

[Kaaron]

Great - but how do I start a new thread doh!

[hellhasnofury]

Originally Posted by Kaaron

Great - but how do I start a new thread doh!

Hiya Kaaron,

You will get used to the site.

Click on the main ppi thread. on the top lefthand side just under the main heading for the consumer forums. You will see a tab with new thread on in, click on that and leave your post.
Good luck

[Kaaron]

Thankyou ! Thankyou1 Thankyou!

[jubaxt]

hi-sent a letter to welcome asking for refund of mis-sold ppi-14 days have now lapsed and need to send lba but not sure where i can find a template or how to word it-thanks.

i was a casual worker and was also not given the option of refusing it

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[hellhasnofury]

Originally Posted by jubaxt

hi-sent a letter to welcome asking for refund of mis-sold ppi-14 days have now lapsed and need to send lba but not sure where i can find a template or how to word it-thanks.

i was a casual worker and was also not given the option of refusing it

Hello Jubaxt,

How many posts have you now made on the ppi forum. Please can you keep to one thread, it is so hard to keep up with you. I have just put a lba letter on Matt ppi thread, have a read of it and see if it is of any use to use. If you need help please post on one of your other threads.

Sorry to be blunt, but I can keep up with you

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[jubaxt]

HI-HELL

Just read the above post re matts lba but it reads to me as a prelim-you have added on the bottom that after 14 days a lba will be sent-this letter is similar to the prelim i sent

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[hellhasnofury]

Originally Posted by jubaxt

HI-HELL

Just read the above post re matts lba but it reads to me as a prelim-you have added on the bottom that after 14 days a lba will be sent-this letter is similar to the prelim i sent

Hey Jubaxt, well spotted Pasted the prelim up in error.
Have changed it now

Thanks

[lemma1968]

Subscribing.

[joemarket]

Hi Everyone, its me Joemarket with yet another request from anyone. I need to cancell my ppi with welcome Finance but wonder if there is a special template for this. Any help will be appreciated.

[hellhasnofury]

Originally Posted by joemarket

Hi Everyone, its me Joemarket with yet another request from anyone. I need to cancell my ppi with welcome Finance but wonder if there is a special template for this. Any help will be appreciated.

Hello joe,

There is not template as far as I am aware,

Just write to them instructing to cancel your ppi forthwith and maybe read this link and make a quote from it

Start a new thread on the ppi forum, so we can help you if needed
Good luck and may the force be with you

Consumers to benefit from PPI refunds agreement

[lemma1968]

Subscribing

[jamesroberts]

Hi There,

I am about to make a claim against London Mortgage Co.

I was 'sold' a ppi policy for a £35k loan at a cost of £4200 which of course was added at the start of the loan in October 2004.

I repaid the loan in full in January 2006 and they charged me £1814 prepayment penalty but made no mention of refunding the ppi.

I am also self employed.

I paid them £518 for 15 months and still ended up owing them more than I borrowed at the end of it!!

I assume I add all of this info to my initial claim letter??

[thomass1949]

Hi I have just received a letter from LLoyds Insurance agreeing to refund 3 PPI's. Two of them were with loans that are settled in 2004. One having been added to an 'new loan' and consolidated. I had small refund on that one. They have offered to refund plus interest. I have no problem with this. However, I still have a loan with them for £4015.73. I have been paying this since 2004 and they say I still owe over £3,000. The loan was 5 years. Off course the PPI was a single payment policy. They have agreed to refund the PPI plus interest. My problem is that they have stipulated that they pay this refund into my loan account. This loan is unenforeable. I have requested a copy of the loan agreement and they have not and the enforcement date expired in early July. Has anyone any advice on how to proceed. I would be very grateful.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[stroke a badger]

Remember one thing - It's your money!

Insist that the refund is issued in the form of a cheque made out in your name, or paid direct in to a bank of your choice.

If they refuse, I would remind them that FOS might have something to say about their underhand tactics.

WRT the existing Loan. No valid Credit agreement - no enforceable debt. I would suggest starting your own thread in - http://www.consumeractiongroup.co.uk.../general-debt/

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[thomass1949]

Thanks for the advice but can I ask what WRT stands for?

[stroke a badger]

Sorry. With Regards To