Hi All I received a letter from FSCS saying my claim had been rejected due to " No civil liberty " , i rung to clarify and was told that because my ppi policy was sold by a broker ( ocean finance ) they couldnt accept my claim with picture However , i rung ocean finance to pursue this matter and they told me that beacuse i had accepted an offer earlier this year of £1400 i cannot claim again . When i accepted this offer from ocean finance i didnt realise it was for the ppi on my picture loan ( I would never have accepted that amount knowing the ppi on the loan was over 7500 in 2006 ) Also , Ocean finance & Picture have told me that when this original loan was refinanced the ppi was refunded onto the new loan but on my current loan the ppi is still over 14000 ................ surely if it was mis sold in the first place i should be able to claim the whole amount back ?? Is there anything i can do as i seem to have just been fobbed off

Hi all , still waiting ! ............. Anyone else in same situation with FSCS or Deloittes ?

I probably wont hear from FSCS until next year at earliest as i guess huge backlog as per the banks

OMG that would be fantastic Thank you again , i will definately keep you updated as soon as i hear anything Thank you again for everything

Hello Is the amount in total claim what you think im entitled to in full ?? Just thought may be slightly more as the ppi on loan 1 was £ 7550

Well im certain i never received a letter stating about rebate and when it was refinanced all we were sent was the agreement to sign with it all filled in ready for our signatures and cant recall having a settlement document as it was all done over a phone call

Hi , You are a star and appreciate all your doing for me It was with Picture and on the agreement of loan 2 ( the refinanced loan of loan 1) there was no mention of rebate that i noticed ........

I dont know ? how would i find that out and if so does it make alot of difference ??

yes i have made every payment since start of loan 2 and still have 15 years left to run

ive tried but my laptop is even worse than i am !! Dont suppose you can input the figures and give me a rough estimate as to what im maybe entitled to ??

Hello !! Ive just tried and beyond me so guess i will just have to wait and see !! Thank you for all your help , i really appreciate it

Hi again !! I really appreciate your help but i havnt a clue what you mean about the spreadsheet and inputting details !!!!!! Im confused

Hi again !! I think around £60000 ??

The 2 loan agreements were copies sent to me by picture ( now webb resolutions ) after i rung requesting them as on the form sent to me by FSCS it required this information Loan 1 which started in march 2006 was for £30000 with £7550 added ppi & was for 20 yrs at £356 permonth HOWEVER in october 2006 i refinanced this and the added ppi was £14950 and again for 20 years at £546 permonth Is this information any use ??

Hi , i did have both agreements but i sent them off to Deloittes last week as requested along with my application form sent by fscs I hope beacuse the FSCS upheld my claim on the current top up loan that they will also do the same with this original loan !! Im just confused as to know roughly how much to expect if this is the case , what sort of infromation would you require from the 2 loan agreements to assist me ?? Many Thanks

Thanks again ! So how the hell would i work all that out !!!!!

Any more advice much appreciated !

If like you said that i may have paid ppi off on loan 1 via loan 2 does this mean i would receive less compensation ?? please excuse me , just dont understand the process and i cant access your signature page for some reason

Thanks again !! Loan one was for £30000 and ppi added was £7550 however much foolish of me 8 months later i refinanced it again with Picture and on the paperwork for the current loan the ppi added was £14950 ......... To be totally honest i was in such a dire financial situation at the time i didnt understand what i was doing Ive sent my form plus both agreements for loan 1 and loan 2 to Deloittes/Fscs and hope they go in my favour , just hope the fact having already received payout from Fscs on current loan that it doesnt affect this claim on the original loan

Hi , thanks for helping me !! I dont really understand what you mean about paying off ppi on loan 1 via loan 2 ???? does this affect my claim then and if so is it bad news regarding being redressed at all ??

I was paid out around £14000 two years ago via fscs on my current loan , this is a top up loan to the loan im now claiming on , the paper work says amount of ppi on origianal loan was £7550 and the top up loan was £14950 Just hoping my claim on the original loan is accepted and having been paid out on the top up loan already doesnt affect my claim

Hi again If anyone can help with this query i would appreciate it , I have recently sent my claim for mis selling of ppi on a loan with Picture , however this is a loan previous to my current loan (which the fscs paid redress 2 years ago ) , the current loan was a top up loan to the one im currently claiming mis selling Does anybody know if still redress on origianal loan if already received redress on the current loan ?? All confusing but tried best to explain the situation !!

Hello All Just wondering if anyone has had dealings with FSCS/Deloitte regarding Picture as ive sent my completed forms off with relevant documents this week and curious as to know how long to expect to have to wait until the case is looked into or even completed ?? Many Thanks

hello all !! Still no sign of this cheque from Lloyds TSB ...... Spoke to FOS on monday and was told they will e-mail Lloyds to find whats happening but can take 2 weeks for a response !! How is it Lloyds can do whatever they want and continue to do so ????

Hi , thanks for replying The letter from Lloyds quotes the FOS ref number etc but no acceptance form just states the amount owed and how it will be paid but no mention of how long etc Then goes on to say i only need to contact them if i do not accept this offer so assuming as it was dealt with by FOS i dont need to sign for anything ?? So do cases through FOS get dealt with quicker and paid out faster than normal ??