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I have final ombudsmans decision in my favour re: Black horse PPI from 2007.
They have to pay me back all my PPI + interest.
Trouble is the Ombudsman has told them "without delay" but its already been 2 weeks.
How long should I wait? Keep at them Also, do you think BH will send me the money or will they simply take it off my outstanding loan balance?
You can ask for repayment of ppi mis-selling as you see fit ie by cheque payable to you, by transfer to another account, by CASH (but if it is a lot take a bodyguard) the choice is yours not theirs so do not let them stipulate where the money will go. It is entirely your choice as to where your money goes and not theirs to reduce any loan amount outstanding.
Do not worry I had the same response from the Ombudsman Adjudicator but my claim took several weeks but my claim was a success as it seems yours will be
The banks try to hold off repaying until the very last moment as your money = their profits so they will stall for as long as they can
You make the call on mis-sold PPI if you have a valid case then you decide how the refunds of your money are paid back.
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.
Well, its been 5 weeks now. The Ombudsman told them "without delay", but what does that mean?
Do you guys think I should write to B/H complaining about the delay?
Also, I just think the Ombudsman route has been sooo frustrating. I thought they would work out exactly how much Black Horse owe me, but they don't, they just tell B/H to pay what they owe, which in my eyes could be open to their interpretation.
Well, its been 5 weeks now. The Ombudsman told them "without delay", but what does that mean?
Do you guys think I should write to B/H complaining about the delay?
Also, I just think the Ombudsman route has been sooo frustrating. I thought they would work out exactly how much Black Horse owe me, but they don't, they just tell B/H to pay what they owe, which in my eyes could be open to their interpretation.
Before you settle you could insist on the bank black horse giving you an exact figure for settlement and an exact date of settlement and if you arenot happy then ask for the ombudsman to settle the complaint and not an adjudicator.
I agree with your comments my settlement from adjudication to money in bank took about 8 weeks. Than banks are hanging on to your cash until the very last minute but the settlement figures are from the date of adjudication and not when you get your money back so the banks will of course not be in any hurry to repay
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.
Before you settle you could insist on the bank black horse giving you an exact figure for settlement and an exact date of settlement and if you arenot happy then ask for the Ombudsman to settle the complaint and not an adjudicator.
I agree with your comments my settlement from adjudication to money in bank took about 8 weeks. Than banks are hanging on to your cash until the very last minute but the settlement figures are from the date of adjudication and not when you get your money back so the banks will of course not be in any hurry to repay
aa
This was the Ombudsman himself!
Since when was a "without delay" order allowed to be anywhere from 5 weeks.
I could work out what they owe me in 5 mins!
To be honest, I wouldn't use the Ombudsman again for anything.
I fully expect BH to ignore this order just have they have done so far.
What would the Ombudsman do about it?
No-one seems to know.
I think they can fine them but I'm not sure.
WELL DONE and remember to stick your win in the stickies at the top of the forum.
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.
Black Horse PPI **WON**
from 2007.
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Originally Posted by alanalana
