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thegfb

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About thegfb

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  1. Just a bit of an update, I sent the PPI complaint off in September 2012 and they have only today responded, shocking:shock: As you might expect, it's the usual 'thank you but **** off' spiel, holding out as long as they can in the hope I'll get bored... It made me laugh, despite it being their 'final position' it says something along the lines of "as for the sale being pressured, we highly doubt this is the case because our staff are highly-trained. However if you still feel this is the case please contact us again". They have totally dodged the issue that they could not make a dec
  2. Thanks aa, nice to see you back. This can now be added to PPI successes thread and sig will be updated, just Cap One left to defeat now
  3. They've sent me a cheque today for £2700-odd, I know I'm entitled to a bit more but I'm gonna take it because I stand to lose more if I don't have it soon because it'll be tight getting a new house. I will inform the FOS that I'm accepting it but still not satisfied that I've been redressed in full, they will probably say that's it but they might still chase the extra few hundred pounds.
  4. Good luck If you are confident in your calculations, it won't hurt to include a number. In mine I put something like "I am therefore owed by your organisation, at the very least, £xxxx" I've been on the phone to HBOS asking to them to tell me what they are now doing to rectify my claim ASAP... they tried to tell me on the phone that they have received no letter, despite me sending it Special Delivery and having EPOD They are just downright liars.
  5. Hi, this is where I've sent all my correspondence: Halifax, PO Box 761, Leeds, LS1 9JF. They have been obstructive the whole way from sending my SAR in, then despite giving me information on it when it came to making my PPI complaint they tried to tell me the account never existed. They then dragged their heels, denied misselling and only admitted it once the FOS were involved. Then they make a pony offer... expect a long battle
  6. Hi intend, It was missold as it was never explained how front-loaded PPI worked. I actually didn't realise I was borrowing more money simply to insure my own repayments, it's madness when you think about it and I would never have agreed to it had I fully understood. If I had fully understood, I would have put the extra 25%-odd into a savings account each month and if needed to use it to cover repayments in the unlikely event, it would be there. I also had other means of supporting my repayments should I have been out of work. It was nearly 9 years ago now but I certainly don't rec
  7. Quick update... HBOS have been in contact with the FOS and supposedly overturned their rejection of my claim back in April 2012. Unfortunately I moved house between making the initial complaint to them and then to the FOS so they didn't have my new address on file and I never received their letter. They have today sent me a cheque for approximately £1400 however this is considerably less than my calculated claim of about £2800. They claimed they sent me a letter to my new address last month admitting the PPI was missold but I never received it, I only got it forwarded on to me by th
  8. Halifax have just made me a silly low offer, as said you need to get all the data up together payments etc. Just for example Halifax told me that my 8% interest was £30 odd but I have calculated it as over £900!
  9. I would think you are probably right How much are you expecting to reclaim? If it's less than £850 it's worth emphasising this in your letter since they will automatically be fined this amount by the FOS to investigate your complaint should you refer it to them, then if it goes in your favour (likely) they will have to pay you back your monies owed as well.
  10. I'm not gonna ask "how long until I get a decision?" because that's unfair and no one here will know. What I wouldn't mind knowing is if anyone has currently got an outstanding complaint, how long it's been ongoing and what stage it's at? Mine is approaching 15 months since I complained to the FOS and is still awaiting allocation to an adjudicator...
  11. This reminds me EXACTLY of how my appointment at my local Natwest branch went when I was missold PPI... shame on the management putting such pressure on their staff.
  12. This seems to be standard bullpoo from Sainsburys Bank, I got the same response even though I gave them the account number! I sent another letter straight back telling them it was correct, and they finally "found" my data. Good luck, keep updated
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