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miz_print

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  1. Just a quick update to say i have handed the whole lot to FSCS with regards to the ppi with APS. Will let you know of the outcome.
  2. Ok thanks ims. Didn't want to cash it and them think that was it and i had accepted it! Miz
  3. Can someone please advise over the £25 do i keep as part payment or return it? Miz
  4. Thanks for replying dx but they did state that it was their final response so i guess i now need to go to the FOS? Miz
  5. Received an offer letter from Kensington offering me £80 plus 8% bearing in mind the claim for fees was £400+. This was their final offer so i am not going going to accept i will refer to the Ombudsman for review. I am quite surprised actually as they have already been fined, just hate this waiting and messing about Miz
  6. Cardiff Pinnacle wrote and back and said that they cannot find our account despite having all the info they need. I do have the monthly ppi payments showing on the mortage statements but don't know what else to do now, any advice? Miz
  7. I received a letter back from Acenden regarding the fees i had charged while with SPML. They have finally sent me a letter after having dragged it out for as long as possible (first letter sent April!) saying in their exact words; 'Please find enlosed a cheque for £25 in relation to the above account. If you have any questions regarding this please contact our Insurance and Servicing Team. A £25 cheque was attatched to the bottom. The claim was for £2500ish with CI included. How cheeky is this? firstly can i ask someone if i should cash the £25 or return it back to them with a letter on either case asking where the rest is and what i should put? Thanks Miz
  8. Central Capital wrote back regarding the PPI with Swift and basically now rejected all of my claim despite them keeping me dangling saying that they had partially upheld my claim. They said as we had no other insurance in place to pay the loan that we needed it at the time! What gives them the right to tell you what you need? I am getting all the info together to refer to the FOS now as i am not going to let them get away with this. Miz
  9. Sent mine off for charges too a while ago, so far i have had two letters saying that it is taking them longer to investigate my claim bla bla bla..the latest one i had said they hope to respond by the end of May. I think personally they are seeing how far that they push me. Miz
  10. Hi Capstone are now going by the name of Acenden but the address that ims gave you is correct as i too are trying to claim fee's from them it was SPML when i was with them then Capstone and now Acenden. Just make sure that you put in your letter the address that the SAR is relating to etc. Miz
  11. 42man what is a 'needs' statement? never had one of those!
  12. I am quite worried though that the FOS will side with them as i did not conduct the account in a great way and only managed to pay a couple of full payments to them. My hubby was self employed at the time and we were really struggling to maintain any bills. Because of this they are saying that i should expect charges as the amount of payments missed etc....
  13. Got a second letter from Swift and they said they dealt with my charges claim in the first letter and stand by their decision to refund the £600ish plus interest and that it is their final decision or i can send it to the FOS. I really don't want to do that as i will be ages, probably just goig to accept Miz
  14. Din't think to merge it as one is regarding ppi and the new one is for mortgage charges...thought they were seperate issues? miz
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