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I took out a loan with Tesco PF in may 2003 and have been trying to claim back my PPI. Today I received aletter stating I signed the agreement so tough. There is no box on the agreement which gives me the option to tick for ppi or not. I am now putting this to the Ombudsman could anyone give me some advice
I took out a loan with Tesco PF in may 2003 and have been trying to claim back my PPI. Today I received aletter stating I signed the agreement so tough. Yes tough it may be if they have not followed the rules on selling and advising you of the cover you could expect and all of the small print exclusions that would no doubt appear in the terms and conditions of the Consumer Credit Agreement. There is no box on the agreement which gives me the option to tick for ppi or not. I am now putting this to the ombudsman could anyone give me some advice WELL DONE Go for the fos option and also keep the FSA, OFT, Trading Standards and the rest of the known universe informed.
Please read the PPI Forum threads and the stickies so you can build your case.
Post what information you can keeping the names, account numbers, sort codes etc out of the forum
This just keeps it all out of the eyes of others.
you can win
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I have heard from the Ombudsman and my complaint has been passed to the case worker department who have written to Tesco pf/RBS asking for my files. Could anyone tell me what happens now
I have heard from the ombudsman and my complaint has been passed to the case worker department who have written to Tesco pf/RBS asking for my files. Could anyone tell me what happens now
The case workers will gather all the relevant information from both sides Tesco and you. The information will then be passed to an adjudicator. You should get letters from the fos at each stage and they will make a decision on whether your complaint will be upheld or not. If you are not happy you can request that your case to be looked at by the Ombudsman but this will take some time.
Good luck
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
The case workers will gather all the relevant information from both sides Tesco and you. The information will then be passed to an adjudicator. You should get letters from the fos at each stage and they will make a decision on whether your complaint will be upheld or not. If you are not happy you can request that your case to be looked at by the Ombudsman but this will take some time.
Good luck
aa
Do you know how long this will take, and do you think they may make an offer of goodwill now the ombudsman is involved.
I know you have had dealings with RBS so I am glad you are here to offer advice
Do you know how long this will take, and do you think they may make an offer of goodwill now the ombudsman is involved.
I know you have had dealings with RBS so I am glad you are here to offer advice
fos have advised it could be 6 to 9 months but it really depends upon the complexities of your complaint.
My complaints on PPI were submitted in August 08 and settled in Dec 08.
If you do not accept the decision of the adjudicator and ask for the Ombudsman to become involved it will extend the timescale.
I cannot be more specific on the timings.
You will probably get the usual goodwill gesture without admission of any liability, but this is mainly to keep the FSA off their backs. If the FOS uphold your complaint or the goodwill gesture comes in you should get the premiums paid plus the interest on the premiums and 8% statutory interest to the date you accept any offer.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
fos have advised it could be 6 to 9 months but it really depends upon the complexities of your complaint.
My complaints on PPI were submitted in August 08 and settled in Dec 08.
If you do not accept the decision of the adjudicator and ask for the Ombudsman to become involved it will extend the timescale.
I cannot be more specific on the timings.
You will probably get the usual goodwill gesture without admission of any liability, but this is mainly to keep the FSA off their backs. If the FOS uphold your complaint or the goodwill gesture comes in you should get the premiums paid plus the interest on the premiums and 8% statutory interest to the date you accept any offer.
Have had a letter back from fos. They have written to Tesco PF asking for my files. They have written to the address in Glasgow, When I told them I had originally done this and was then passed on to the RBS in Manchester, they said they were dealing with Tesco PF and not RBS. I am confused now.
Also not PPI related but why have I got " you have new private messages" flahing in red and how do I retreived them
Have had a letter back from fos. They have written to Tesco PF asking for my files. They have written to the address in Glasgow, When I told them I had originally done this and was then passed on to the RBS in Manchester, they said they were dealing with Tesco PF and not RBS. I am confused now. I started with letter to my branch. Then it went to Edinburgh and eventually my claims were dealt with through Manchester.
Question here is your claim against Tesco PF and RBS or is Tesco PF arranged thought RBS?
Also not PPI related but why have I got " you have new private messages" flahing in red and how do I retreived them I do not know why you have new private message (PM) but if you want to access PM you just click on the private message link which is underscored like any link and you should be able to read and reply.
If your claim is against RBS then the Manchester office is the one that will deal with it and that is the office the FOS deal with on PPI reclaim cases.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Just to let you all know I received a letter from the fos saying that Tesco are making me an offer of goodwill for the full PPI +8%. (Please make sure the refund of your money includes the premiums and the interest added to the PPI premiums and then 8% statutory interest on top)
They will try and short change you if they can down to the wire they want to keep your money obtained by alleged deception methods
So for all you out there do not give up.
These companies like the goodwill offers without any admission of liability, just like the bank charges goodwill offers. This makes them feel good and hopefully gets them off the hook as far as fines go from the FSA (who are also under attack now for failing the financial industry by being toothless so it would seem allegedly.)
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Tesco personal Finance/RBS
. Today I received aletter stating I signed the agreement so tough. There is no box on the agreement which gives me the option to tick for ppi or not. I am now putting this to the Ombudsman
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Originally Posted by alanalana
down to the wire they want to keep your money obtained by alleged deception methods
