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landy_alert

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Everything posted by landy_alert

  1. Hi Bella, Pleased to hear you got your PPI refunded ok! I've been in a similar situation regarding the overdraft interest generated by the mis-sold PPI on several LTSB loans, but am a bit ahead of you in that I pursued Lloyds for this, took it to the FOS when they refused to pay ball - although they initially suggested they intended to uohold my complaint - and have recently had a final decision by an ombudsman go in the bank's favour. Just mulling over what steps to take next, so will watch your progress with great interest. Best of luck! Landy x
  2. Hi Landrover666, I've just seen this post and am sorry to hear about your issues with your Freelander 2. Unfortunately due to other commitments I'm not around on the forum much these days. In response to your query as to how we got in in a similar situation, I'm afraid we didn't.......Landrover were very unwilling to assist and as we needed to get the new engine fitted as a matter of urgency we had to go ahead without their involvement. In the end we spent in excess of £4k on new engine and other parts As this is an old thread it would probably be better for you to start a new one of your own so that you can attract the attentions of those who may be able to assist/advise........good luck and hope you get it sorted soon! Landy x
  3. Hear hear They (Swift Advances, not Swift 1st) refunded me approx £900 on £3000 worth of charges earlier this year and this was after nearly two years of trying. We were only with them for 18 months and got shot of them some years back - thank god!!!
  4. Hi LTP, I have to say that my adjudicator did exactly the same - said he would refund charges that were caused by the PPI (and even that he was going to uphold my complaint!!!), then backtracked and decided that there was nothing to prove that the charges were caused by the PPI. I even have a copy (which the adjudicator sent me) of a letter from him to the bank saying he was upholding it - next thing he changes his mind............definitely something fishy going on as far as I can see I'm waiting for an ombudsman to look at mine now, but was told this could take a year or more Good Luck getting to the bottom of this and hope you are successful in the end! Landy x
  5. Hi LTP Look forward to hearing what they say..........hope it's good news for you! Landy x
  6. Hi Ali Wishing you every success with this............my own complaint is now awaiting review by an ombudsman - my FOS adjudicator told me he was going to uphold and recommend the charges be refunded, but later changed his mind and rejected it, so onwards and upwards! The more people that start to complain about these charges - especially where the spreadsheets clearly show that but for the PPI the charges wouldn't have occurred - the more that hopefully the FOS will realise that these should be refunded as part of the redress process............. Landy x
  7. Hi M, I contacted the FLA when Swift Advances had rejected my complaint and as 42man says, they were no help whatsoever - they agreed with SA's opinion that my complaint was unjustified. Eventually, when there began to be rumblings of the OFT/FSA investigations, I tried again with SA and they did refund some charges...............but my account is no longer operational as I repaid it in full some time before complaining. Landy x
  8. Totally agree SJ............ALL Swift customers, whether Swift 1st or Swift Advances were treated like [email protected] and ALL deserve to be refunded. As someone who narrowly escaped repossession by Swift Advances, my OH took an overdose 'cos he was so ashamed of what he felt he had done to his family and to crown it all we had to pay a ridiculous sum in early redemption fee when we managed to get out of their clutches, I truly feel for those who weren't so fortunate I can't see Swift making the effort to track down those who they previously terrorised and feel that if Swift can get away with paying out the bare minimum they will do so. Our 'loan' was for in excess of £50k, but was a 'second charge' so won't be covered by the FSA ruling. I did manage to get some charges refunded, but only a fraction of what were applied............ Landy x
  9. Hi MASAMP8 Funny you should say that and not wishing to disagree with the excellent advice offered as always by ims21, but I have exactly such a complaint being investigated at the moment by the FOS.............and my charges were applied to the account which serviced the loan, not the loan account itself. According to the FOS redress guidelines charges incurred because of the increased amounts charged because of the application of PPI are reclaimable, although I would say from my own experience the banks are very reluctant to admit to this and the FOS can be difficult to persuade to follow their own guidelines...........but it's definitely worth mentioning this in your letter IMHO. All the best, Landy x
  10. Hi Emmtay, Just dropped by to see how you are getting on........sorry to hear you are still not getting anywhere with this. In case it's of any assistance, my underwriters were Premier Writers Ltd although when questioned originally about this I was told (incorrectly as it happened) that our loan was underwritten by Sterling Insurance Group. In my own case though, it was all done through the FOS and the underwriters played no part in it. Don't give up, however hard it may appear I'm sure you will eventually beat them and get your money refunded Landy x
  11. Hi welshnewbie I had the same thing happen when I reclaimed from Direct Line (also an RBS company) last year on behalf of my OH. They informed him that the refunded interest had tax deducted. When I queried this in writing, their response was as follows - 'In relation to the tax that has been paid on the interest aspect of your refund, this is standard procedure in line with HMRC requirements. The interest payable to you is treated as income and tax paid on that income accordingly regardless of the customer's financial situation. If you believe you are exempt from paying tax, you would need to contact HMRC accordingly. We are unable to provide any advice in respect of this and would not have any involvement in this aspect of your payment apart from paying the tax. If necessary, you should contact an accountant or Tax Office to seek further advice. Please let me know should you require a Certificate of Deduction of Income Tax (Form R185) if you are a non tax payer. In response to your request to evidence that we have paid tax to HMRC, this is an internal accounts procedure which we are neither able nor obliged to provide you with.' I must confess that we did nothing further regarding this - although maybe as OH was self-employed and earning very little at the time, we should have done Anyway, in all of my PPI reclaiming, RBS is the only company I've come across who have done this........ Let us know how you get on, Landy x
  12. Hi Emmtay, It went through the FOS but although both an adjudicator and an ombudsman found in my favour, Norton were reluctant to pay out - to the point where I believed I would have to enforce the ombudsman's (legally binding) decision through the courts. Fortunately it didn't come to this though and it was Norton themselves (not the underwriters) who paid up in full As I said I'm not around much here anymore, but will pop back from time to time to see how you are getting on and will keep my fingers crossed you don't have to wait too much longer. Landy x
  13. Hi Emmtay, Sorry, not been around much recently. Sorry to hear you are still not getting very far with this. I did eventually get my PPI back from Norton, but it was a hell of a struggle, especially as it all happened around the time that the PPI Judicial Review was announced. However, it goes to show that success against them is possible if you persist! Of course mine dated from much more recently than yours (and Pinnacle weren't my insurers btw) but hopefully with patience and persistence you will get there in the end! Good Luck Landy x
  14. Hi DD, Me too - I understand that NG are the in-house sols for Wesnot.........I received a discount offer letter from them which arrived too late to respond by their deadline and my subsequent response letter to them went unanswered. After several further written attempts to elicit a reply I complained to the FOS - who said I should accept their offer as they were being fair and had done nothing wrong Landy x
  15. Hi Steve, Just to add to what the other guys have said - if it turns out that MBNA have sold the account to Equidebt, it may also be possible to reclaim both charges and PPI from MBNA in the form of a cheque - I speak from experience here on a similarly defaulted account - and then you can utilise this refund to negotiate a reduced Full and Final settlement with Equidebt............again I did this and they accepted 20%. Obviously this is much further down the line than where you are right now, and were you to take the F&F route the wording of your correspondence has to be water-tight of course, which the guys here can help you with. Good Luck with this, Landy x
  16. Hi FS, That's ok - maybe I was the exception to the rule All the best, Landy x
  17. Hi SD, LTSB refunded two lots of PPI in the form of personal cheques on two separate loan accounts both of which were in default and in the hands of (but not sold to) DCAs. This was during 2010. Both complaints went through the FOS and in one email to me the FOS said that it was LTSB's intention to refund as a personal cheque - I wasn't going to argue with this, lol, being in need of that money at the time. When the refund was due on the second account the FOS said that Lloyds intended to offset it against the debt, so I reminded them that in the other account they had sent me a cheque. The adjudicator went back to LTSB with this and the result was that they agreed to do the same on the second account. I also received cheque refunds on two MBNA credit card accounts which had outstanding balances (again in default) but the difference here was that these had been sold on to DCAs. In the case of both these accounts despite the FOS adjudicators warning me that the OC (MBNA) was within their rights to (and most likely would) send the refund to the DCA, this didn't happen and instead the cheques came to me. On none of these occasions did I mention hardship. I don't know if this was just luck, but that's my experience! Wishing you well with this, Landy x
  18. Thanks Paul - you are an inspiration to us all! Unfortunately there are still so few success stories with Swift that many of us get discouraged from time to time.........then posts like Andrew's and yours give us the impetus to try again. From my own perspective, even though I paid off Swift a while back and am no longer with them my loan was for over £25,000 and the FOS have said they cannot help, so court is my only option. Landy x
  19. Hi Nit, As jdes says, have you any PPI on the loan? If so this can be reclaimed - although with the current Judicial Review (on-going as we speak) things are taking slightly longer at present - and/or offset against what you owe. A SAR will show up all the info they hold on you including any PPI and charges. Landy x
  20. Thanks for an excellent post Andrew - tried to give you rep, but I need to spread it around first, lol!
  21. Hi Termi, Just catching up with this..........I understand your broker is no longer operating? If so I believe you can go via the Financial Services CompensationScheme (FSCS) - Sweetjane has done this with success, I believe so it may be worth pm-ing her. My agreement was from 2006 and was unregulated, being over £25,000, but my broker is still in business and the FOS were able to deal with my complaint. Unfortunately they cannot help in the same way with my charges Landy x
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