Mr Landy v Sainsbury's PPI ***WON***

**landy_alert** · 30th July 2009 20:26

Hi everyone

Mr Landy had a loan with Sainsbury's bank which we repaid in full a couple of years ago. When he applied for the loan he was told his application would be looked on more favourably if he took out PPI icon

also, which he did.

I recently wrote to Sainsbury's Bank on his behalf claiming the PPI was mis-sold for that reason and also that he wasn't asked about existing insurance etc (which he had) as well as the fact the true cost of the PPI over the loan term was not explained.

The 8 weeks are up and no response has been received, so I have now sent an lba icon

informing them our next step is the fos icon

and giving them a further 14 days to respond. I must admit I meant to send them a reminder before now to speed them up a bit but got bogged down with all the ltsb icon

PPIs I'm dealing with!

I'm not sure what the success rate with Sainsbury's is like - probably rubbish knowing my luck

I thought it was about time I started a thread for this one and will update as necessary.

Regards,

Landy x

**alanalana** · 30th July 2009 21:32

You have your work cut out good luck with this one 2

**landy_alert** · 30th July 2009 21:49

Originally Posted by alanalana

You have your work cut out good luck with this one 2

I know aa - we must have been total mugs to get conned every time

At least we're wiser now, thanks to CAG icon

and people like you!

**alanalana** · 30th July 2009 21:58

Originally Posted by landy_alert

I know aa - we must have been total mugs to get conned every time

At least we're wiser now, thanks to CAG icon

and people like you!

Yes I am also guilty but have learned and am still learning how to fight back. My letters will hopefully make their mark

**Alphageek** · 30th July 2009 22:05

Hi Landy,

While not exactly the same situation, you might get something from following my thread (http://www.consumeractiongroup.co.uk...sburys-cc.html)

It's a credit card claim, but they added PPI icon

without me asking for it. I gave them about 8 weeks after sending lba icon

, heard nothing apart from the odd "we're sorry we've not got back to you yet" letter.

Claim has just been issued and they have acknowledged and are going to defend apparently.

There might be some clues in their defence as to how they are likely to deal with you.

**landy_alert** · 31st July 2009 11:02

Hi Alphageek

Many thanks - will definitely have a read of your thread to see if I can glean anything!

Regards,

Landy x

**landy_alert** · 6th August 2009 20:00

Hi everyone

Just a quick update -

Sainsbury's 8 weeks were up about a week ago. At that time I wrote giving them a further 14 days or we would be going to the fos icon

. They received this letter on 4th August.

Sainsbury's have today written saying it's taking longer than they thought to investigate (where have I heard that old chestnut before?) and that they will get a response to us no later than 4th September!!!

I guess I should still give them until the 14 days are up before filing a complaint with the FOS?

Any advice would be gratefully received!

Regards,

Landy x

**Alphageek** · 6th August 2009 21:58

Are the letters coming from BOS (Bank of Scotland icon

)?

If they are, it's the same game they were playing with me. Just a stalling tactic if you ask me.

I gave them an N1, you should stick to your timetable and complain to fos icon

when you stated you would in my opinion.

**landy_alert** · 6th August 2009 22:37

Hi Alphageek

Yes the letters are coming from BOS icon

and it definitely would appear to be a stalling tactic - I'm getting used to those with my good friends ltsb icon

I will do as you suggest and go to the fos icon

as planned when the 14 days are up.

Thanks again!

Regards,

Landy x

**landy_alert** · 12th August 2009 14:44

Hi everyone

Another update -

OH has received another letter from BOS icon

asking him to call them to discuss his PPI icon

concerns. We owe them nothing as this loan was repaid 2 years ago, but will still not be bamboozled into speaking to them on the phone. Another letter going off to them to this effect.

Meanwhile the clock is ticking - they have 6 days left before we go to the fos icon

.

Regards,

Landy x

**Alphageek** · 12th August 2009 19:15

I'm sure you know all too well, but no matter how tempted you are to find out what they want to talk about... NEVER PHONE them.

All communications in writing.

**landy_alert** · 12th August 2009 19:45

Hi Alphageek

Don't worry - we have no intention of calling them!

I've got a letter already to go off (RD icon

as always) tomorrow informing them of that and reminding them their time is running out before we make a complaint to the fos icon

Once you get into the way of things churning these letters out becomes so easy. I always did like writing a good (or nasty!) letter.

I've just done a rough count and I've sent 116 letters to various banks etc since January 2009

All via Recorded Delivery - god knows how much that has cost us!

Thanks for your continued support and advice.

Regards,

Landy x

**landy_alert** · 20th August 2009 15:18

Hi everyone

It's not quite time to add the 'won' sign to this thread, but...............

..........Mr L has received a letter from BOS icon

stating their intention to return him to the position he would have been in if the PPI icon

hadn't been added to the loan

I had just started filling out the fos icon

Complaint form so their letter came in the nick of time for them! They say that he will hear further from them regarding the exact amount, that he should receive the money within a month and that they are not admitting liability of course.

This has taken a few letters (6 in total), but this was mainly because of confusion over who to approach/deal with. It has taken just under 3 months to get to this stage.

A very big THANK YOU to those who have helped me, both with this complaint and with PPI problems generally - mainly PF and aa -and also Alphageek on this particular occasion

I will update once the cheque has been received.

In the meantime it's one down and goodness knows how many still to go!

Regards,

Landy x

**Alphageek** · 20th August 2009 23:52

That's good news landy.

It transpires they they offered to refund the PPI icon

part of my claim as well, but the letters went astray

Anyway, fab result (when the cheque has cleared)

**alanalana** · 21st August 2009 01:27

Originally Posted by landy_alert

Hi everyone

It's not quite time to add the 'won' sign to this thread, but...............

..........Mr L has received a letter from BOS icon

stating their intention to return him to the position he would have been in if the PPI icon

hadn't been added to the loan

I had just started filling out the fos icon

Complaint form so their letter came in the nick of time for them! They say that he will hear further from them regarding the exact amount, that he should receive the money within a month and that they are not admitting liability of course.

This has taken a few letters (6 in total), but this was mainly because of confusion over who to approach/deal with. It has taken just under 3 months to get to this stage.

A very big THANK YOU to those who have helped me, both with this complaint and with PPI problems generally - mainly PF and aa -and also Alphageek on this particular occasion

I will update once the cheque has been received.

In the meantime it's one down and goodness knows how many still to go!

Regards,

Landy x

CRACKING RESULT

WELL DONE

aa

**landy_alert** · 21st August 2009 10:47

Thanks guys - like I said, I couldn't have done it without you

**landy_alert** · 1st September 2009 18:45

Hi everyone

No cheque received for this as yet, but Mr L received an almost identical letter from a different dept of BOS icon

(in a different part of the country) also offering him his PPI icon

back - it would be hilarious if he got refunded twice for the same account 'cos one dept doesn't know what the other is doing, LOL

I wonder if anyone has actually received two refunds for the same account before?

Regards,

Landy x

**Alphageek** · 1st September 2009 20:05

I wouldn't put it past them to be honest.

I am sure Mr Landy would take great pleasure in returning one of the cheques to them with a suitably phrased letter.

**landy_alert** · 1st September 2009 20:11

Originally Posted by Alphageek

I wouldn't put it past them to be honest.

I am sure Mr Landy would take great pleasure in returning one of the cheques to them with a suitably phrased letter.

Hi Alphageek - yes, I'm compiling it in my mind in readiness for him. I'd delight in making them look even bigger p**ts

**landy_alert** · 15th September 2009 13:51

Hi everyone

Just updating this thread -

Mr L has received a cheque from Sainsbury's - but the amount appears to be incorrect

Trouble with Sainsbury's is their letters seem to come from different depts each time and their refs are different or non-existent -

1) the first positive response we had was from BOS icon

, Leeds

2) the second (almost identical) positive response was from BOS, Dunfermline (with a different reference number)

3) the cheque has come from Sainsbury's Bank, Chester (no reference number)

Strangely the letter accompanying the cheque makes no mention of PPI icon

, Goodwill Gestures or anything to tie it to our complaint - it merely states -

'Please find enclosed our refund cheque for £**** in respect of overpayment on the above mentioned agreement'

I cannot work out how they came to their figure as there is no reference to the loan/PPI/interest icon

at all - but it is a fair way short of my calculation.

In their previous letter they said the following -

'The front-loaded single premium policy would initially add £1138.10 to the cost of the loan plus an additional £237.60 in interest over the life of the loan..................... ...I have decided to pay you an amount which will put you back in the position you would have been in had you not taken the insurance................ .we will contact you again shortly to confirm the exact details of the amount that will be paid to you.'

We received no such letter explaining in advance how much the refund would be, but my calculations with compound plus the 8% was closer to £2000.

I won't bank this till I know they are right with the amount of their refund, but I'm now starting to have doubts about my calculations, so am off to play with the interest calculators and my figures

Regards,

Landy x

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