Landy v Direct Line PPI **WON**

**landy_alert** · 13th August 2009 17:13

Hi everyone

I am just about to start yet another PPI icon

claim for a very old settled Direct Line loan. This was taken out in 1999 and settled before the 5 year term was up in 2002.

At the time of taking it out Mr L and I were advised that because we didn't own a property at that time (we were temporarily living in a property owned by my parents) we were not a good security risk so we would have to take out the PPI.

The thing I need to check is the address for sending the prelim. I understand it needs to go to RBS icon

- the address I have is -

Royal Bank of Scotland icon

Customer Relations
Customer Central Support
First Floor
The Forthstone
56 South Gyle Crescent
Edinburgh
EH12 9LE

Can anyone confirm whether this is correct please

Many thanks,

Landy x

**dec22** · 13th August 2009 18:30

Hello

I have sent all my claims to this address below (the office was set up specifically to deal with all PPI icon

claims under the RBS icon

umbrella ie RBS, Natwest icon

, Direct Line & Lombard Direct:

RBS PPI Customer Services Team
5th Floor
1 Hardman Boulevard
Manchester
M3 3AQ

Good luck, hope you get sorted soon. RBS do take their time, normally past the 8 week period allowed by the fos icon

but they do keep you up to date by letter.

**landy_alert** · 13th August 2009 19:32

Hi dec22

Many thanks for the address - most helpful!

Regards,

Landy x

**pompeyfaith** · 13th August 2009 19:38

Hiya Landy,

Fire away

**landy_alert** · 13th August 2009 19:43

Hi PF, if you're about

Carrying on from what I was saying on Tink's thread -

I was wrong - I have added contractual interest icon

onto previous claims, what I meant to say was that when I first started doing these reclaims I used the excel PPI icon

speadsheets rather than the compound interest calculator. I was then pointed in the direction of the same one Tink was using by the shadow, who apparently got it from noomill

What I hadn't been doing was adding the extra 8% on top as I mistakenly believed this only got added if/when it went to court and that at the initial stage you could only ask for one or the other but not both.

The last few I have done I have amended this error.

However this Direct Line one is the first Single Premium one I've tackled since (the others were credit cards).

The problem I have is that the upfront premium (£1354.55) when having had both compound interest (11.6%) and s69 interest added becomes a whopping £7498.65

The date of this premium was 1/12/99 so it is from rather a long time ago which does clock up rather a lot of interest, but it just seems too much!

Am I doing something wrong do you think?

Any help would be greatly appreciated PF, thank you

Regards,

Landy x

PS I take it there was no good news in the post today?

**pompeyfaith** · 13th August 2009 19:53

Hiya Landy,

No i dont think you are wrong I too have one from march 1999 for £1,064.64 and that comes out at £6,128.67.

So on that basis as yours is some £300 higher id say it looks right to me.

If you want to supply the figures though i can work it out for you just to be sure.

Regards

PF

**pompeyfaith** · 13th August 2009 19:55

Landy no news as yet and yes im now getting impatient lol

If nothing arrives in the morning i will phone the fos icon

to find out what the hold up is.

PF

**landy_alert** · 13th August 2009 20:23

[quote=pompeyfaith;2362585]Hiya Landy,

No i dont think you are wrong I too have one from march 1999 for £1,064.64 and that comes out at £6,128.67.

So on that basis as yours is some £300 higher id say it looks right to me.

If you want to supply the figures though i can work it out for you just to be sure.

Regards

Hi PF

Well as yours sounds similar I can't be wrong then - goodness DL/RBS icon

are going to be in for a shock when they get my prelim

Don't worry about looking at the figures - thank you very much for the offer though - I used the same calculators as you and now you've confirmed that for me I'm sure it's fine!

Don't know how you're managing to sleep at night with the anticipation of what the postie will bring - hope it turns up tomorrow!

Regards,

Landy x

**landy_alert** · 17th August 2009 12:39

Hi everyone

Request for refund of mis-sold PPI icon

now sent to RBS icon

/Direct Line via RM recorded delivery.

Will update when a response is received.

Regards,

Landy x

**pompeyfaith** · 17th August 2009 12:50

good luck Landy with this and indeed all your claims PF

**landy_alert** · 17th August 2009 13:26

Originally Posted by pompeyfaith

good luck Landy with this and indeed all your claims PF

Hi PF

Thank you for your good wishes - but more importantly have you heard anything yet?

The suspense is killing me, so god knows how you're coping

Regards,

Landy x

**landy_alert** · 28th August 2009 10:38

Hi everyone

Just an update to say the the RBS icon

PPI

team have responded to my letter saying they hope to get a reply to me within 4 weeks etc etc......so another one off the starting blocks

Regards,

Landy x

**citizenB** · 28th August 2009 10:41

Originally Posted by landy_alert

Hi PF

Thank you for your good wishes - but more importantly have you heard anything yet?

The suspense is killing me, so god knows how you're coping

Regards,

Landy x

I think the suspense is killing us all

Perhaps we should take up a petition on PF's behalf, adivising the fos icon

/Co-op they will be responsible for a mass murder investigation if they dont get their finger out

**pompeyfaith** · 28th August 2009 10:55

lol im half dead already with the wait i tried the fone this morning got my self all pumped up from 7am waited 4 there fone to answer then the wife tells me its bank holiday icon

DAMM

**citizenB** · 28th August 2009 10:57

Originally Posted by pompeyfaith

lol im half dead already with the wait i tried the fone this morning got my self all pumped up from 7am waited 4 there fone to answer then the wife tells me its bank holiday icon

DAMM

Not until Monday it isnt ??... dont tell me they have the bliddy day off today as well ??

**landy_alert** · 28th August 2009 11:00

Originally Posted by citizenB

I think the suspense is killing us all

Perhaps we should take up a petition on PF's behalf, adivising the fos icon

/Co-op they will be responsible for a mass murder investigation if they dont get their finger out

Sounds like a great idea to me citB

**landy_alert** · 28th August 2009 11:02

Originally Posted by pompeyfaith

lol im half dead already with the wait i tried the fone this morning got my self all pumped up from 7am waited 4 there fone to answer then the wife tells me its bank holiday icon

DAMM

PF it's really appalling that they're making you wait this long - are they really off today as well as monday though - blooming part-timers

**pompeyfaith** · 28th August 2009 11:08

thanks 4 that because i got no answer after 10 mins on the line my wife asumed it was a bank holiday icon

i will try again PF

**landy_alert** · 30th November 2009 18:21

Hi everyone

Just updating this thread -

Since sending my initial request for a PPI icon

refund in August on this old long-settled loan I have had three replies back from the RBS icon

PPI team. The last of these (in early October) said that as their investigations were taking longer than expected I could now take this complaint to the fos icon

. As I was juggling several other complaints (and have 6 already with the FOS

) I left this one on the back-burner for a while and thought that as RBS have played ball so far they would come back with a refund offer.....I know, I know - wishful thinking!

Having heard nothing by early November I sent a chasing letter (via recorded delivery of course), but have received no response, so today I am preparing copies of all paperwork to send to the FOS and will get the complaint off tomorrow. I was really hoping to get this one sorted without FOS intervention - and a cheque banked before Christmas.......probably be Christmas 2011 before its resolved now

Will update when further developments occur.

Regards,

Landy x

**dec22** · 30th November 2009 18:57

Originally Posted by landy_alert

Hi everyone

Just updating this thread -

Since sending my initial request for a PPI icon

refund in August on this old long-settled loan I have had three replies back from the RBS icon

PPI team. The last of these (in early October) said that as their investigations were taking longer than expected I could now take this complaint to the fos icon

. As I was juggling several other complaints (and have 6 already with the FOS

) I left this one on the back-burner for a while and thought that as RBS have played ball so far they would come back with a refund offer.....I know, I know - wishful thinking!

Having heard nothing by early November I sent a chasing letter (via recorded delivery of course), but have received no response, so today I am preparing copies of all paperwork to send to the FOS and will get the complaint off tomorrow. I was really hoping to get this one sorted without FOS intervention - and a cheque banked before Christmas.......probably be Christmas 2011 before its resolved now

Will update when further developments occur.

Regards,

Landy x

I know it is better to keep everything in writing but have you tried rininging the number on the letter. The same thing happened with my husband's claim, they resolved one but forgot about the other two. We sent 2 letter to which there was no repsonse but following the telephone call icon

, it was refunded within a month.

Worth a try and the send to the FOS. I have a settled Direct Line claim with the FOS, been there since Feb 2009, still waiting for an adjudicator.

Good luck, keep us posted.

Thread: Landy v Direct Line PPI WON

Thread Tools

Search Thread