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PPI - bank requesting employers benefits policy??????????
I am at the first stage of requesting PPI refund on loans and credit cards. I have had a response letter from the bank with the standard 8 week letter. However, the credit card response letter is also asking for a copy of my employers sickness benefit policy as this was one but not all of the reasons why i said i was missold. Are they within their rights to ask for this? the credit card agreements go back to 2001-3. I feel that i shouldnt have to provide it now, it should have been discussed at the time..Thanks
a sort of fire-fighting role here. Hate HFC & their past compulsory PPI ethos
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Re: PPI - bank requesting employers benefits policy??????????
delaying tactics....
none of their business
so what are they going to do then even if you did have it?
turn around and say oh no this wasn't good enough ...thats why we charged you our PPI!
they didn't ask upon getting the card, so why ask now.
dx
GETTING THREAT_O_TEXTS OR SPOOF BAILIFF CALL FROM M T COLLECT read here
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
rather than hittting to be my friend - hit the star
Re: PPI - bank requesting employers benefits policy??????????
Thanks for the reply. I was already thinking that I am not going to supply the info as, you are right, what would be the point now anyway, they should of asked for it at the time
Re: PPI - bank requesting employers benefits policy??????????
Hello wanda,
I am at the first stage of requesting PPI refund on loans and credit cards. I have had a response letter from the bank with the standard 8 week letter. However, the credit card response letter is also asking for a copy of my employers sickness benefit policy as this was one but not all of the reasons why i said i was missold. IMO they have no right to try and confirm you were already covered by your employer. They have to ensure the product they mis-sold was not mis-sold and your employers are arrangements are between you and your employer and have nothing to do with them. Are they within their rights to ask for this? No IMO they have no right to ask. The onus is on them to prove they have not mis-sold and not on you to prove you already had sufficient cover. the credit card agreements go back to 2001-3. I feel that i shouldnt have to provide it now, it should have been discussed at the time..Thanks
In line with the response to your post by dx, In the words of Blackadder give them the reply as follows:
response is OFF SOD but not necessarily in that order
This is yet another ploy used to delay the claimant and the Information Commissioners Office and the Financial Services Authority and the Office of Fair Trading should be made aware of this by submission of a Very Serious complaint about their behaviour let the galaxy know what they are trying to do
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.
Re: PPI - bank requesting employers benefits policy??????????
I have now had the response back regarding the loan accounts of which there are 3. The complaint seems to have been split in two - credit card and loans. The response was as expectd - 1. asking for copy of employers benefits documents 2. asking for copies of agreements for 2 of the loans as they say they don't have, even tho they previously sent them to me in the SAR docs 3. Basically we don't mis-sell
Sent them back the 2nd letter today - asking for them to review and respond in 14 days or am going to fos.
Has anyone else had recent successes with Lloyds, the only ones i can seem to find on this site are older successes.
Re: PPI - bank requesting employers benefits policy??????????
I have now had a reply from Lloyds TSB. I seem to have three advisors dealing with my claim
1. Dealing with loans - been fobbed off with usual lloyds responses detailed plenty of time on this site. Wrote back a month ago requesting reconsideration, and also highlighting my lack of pro-rata refund and asking for explanation. No response.
2. Credit card - not compulsory, you had policy booklet. Said it was not their responsibility to probe exisiting employer policies as their insurance would still be valid anyway
Re: PPI - bank requesting employers benefits policy??????????
Had an unexpected success with Lloyds tsb. After writing to me about the loans and saying 'no' to my claim, someone else wrote to me in my maiden name, the original name on my accounts, and said they were upholding my claim and return premiums plus interest!
Had the first of the two refunds today. No interest though. When I rang they said the interest goes into your account seperately and can take upto 21 days.
Expecting a total of about £2.5k
fos are still dealing with the credit card side of the claim so will have to wait and see what happens
Re: PPI - bank requesting employers benefits policy??????????
Well done keep at them.
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.
PPI - bank requesting employers benefits policy??????????
refund on loans and credit cards. I have had a response letter from the bank with the standard 8 week letter. However, the credit card response letter is also asking for a copy of my employers sickness benefit policy as this was one but not all of the reasons why i said i was missold. Are they within their rights to ask for this? the credit card agreements go back to 2001-3. I feel that i shouldnt have to provide it now, it should have been discussed at the time..Thanks
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