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Parcel delivery insurance is prohibited under section 57 – Consumer Rights Act – Read about It Here and in The Times.

intend

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Everything posted by intend

  1. intend
    Would agree with DX - simple covering letter and completed FOS form with a clear and precise reason for mis-sale - but if two reasons then state them both clearly so no wriggle room. I have done the calcs before claim and indicate to them I am aware of what it should be - Halifax is Lloyds so a bit slippery when doing refunds.
  2. intend
    TFC were members of The Association of British Insurers and signed up to the Code of Practice for the selling of General Insurance. Hopefully this allows the FOS to investigate. All the paperwork from TFC states that if unhappy could I may be able to complain to FOS - guess the "may" will stump me!! Also requested they repay late payment fees of £25 on grounds the PPI contributed to financial hardship. Form and letter off tomorrow.
  3. intend
    You have given me the confidence to go down the court route - will probably need it for both Welcome and the Funding Corporation. I have no experience but hopefully with the help of CAG I will be able to get a success outcome.
  4. intend
    Cheers hillards - you are a star and it has been clicked
  5. intend
    Thanks for input - FOS questionnaire just completed and about to post off. Been busy so this has been on back burner - not feel up to the challenge of taking these on.
  6. intend
    Just about to check but reluctant to look at his statements - will see lots of OD charges for hundreds of pounds. I am sure he had a Premier Account - seems to rinfga bell when I first started to help and got it changed to a free account. Will definitely add to list of re-claims - cheered on by recent court victory to go after all evil fees which caused so much hardship for daughter and her husband. Even considering court if they won't play ball.
  7. intend
    Hopefully someone will be along. I am about to look at son-in-laws current account charges over last 14 years with a view to getting some money back - like you it will be a significant sum. About to start thread when finished PPI claims. Intend
  8. intend
    Believe so
  9. intend
    Great news. Can I ask what reason you gave for the mis-selling?/ Intend
  10. intend
    What reason did you put forward as the cause of the mis-selling? Does the reply from Crap1 address this? Or are they just trying to fob you off!!
  11. intend
    What reason did you put forward on the FOS questionnaire for mis-selling?? About to do one for son-in-law who took out CC over the internet.
  12. intend
    Spreadsheet done - £307 payments of PPI and £27 compound interest. Hopefully will reduce balance outstanding on his closed CC - paying £5 a month at moment.
  13. intend
    Cheers old rouge. Will input figures over the weekend and come back with a figure. Son-in-law took out the credit card over the internet. Can anyone advise how this might affect the wording of the mis-selling? Looking at all his financial transactions, CC, loans and current account charges by LTSB, he was certainly financially illiterate and treated as a cash cow by Lloyds for years. Money matters now under control but it makes me really mad how they took his hard earned cash every month. This claim only for a small amount but it is the principle. Thanks in advance.
  14. intend
    Cheers Brig - nothing ventured nothing gained
  15. intend
    Credit card cancelled by LTSB and currently paying £5 per month. Included in SAR (for loan PPI claim) I have found CC statements which show PPI being paid for 19 months from 08/07 til 02/09. Total paid was over £300 so about to reclaim. FOS questionnaire printed off but need help with calculations and spreadsheet to work out value of claim. Intend thanks to SAR I do have all the Credit Card statements relating to the period that PPI was paid.
  16. intend
    Fee are from Jan 08 to Feb 09 and within the period he was paying PPI
  17. intend
    Credit card update - long ago when requested CCA noticed the PPI box was YES but when checking current statements none was being paid so did not pursue. Today told by OH to shift the mountain of papers from LTSb which have been on bedroom floor for months - never looked at it in detail as nice folks at the Loans section sent me details of loans and PPI payments ( one current claim and one pending). Well lo and behold copy CC statements show PPI on card for 19 months so about to start claim Point for this post here is - son-in-law had lots of £12 charges at same time - how realistic is it to claim these back?? Intend
  18. intend
    What reason did they give??
  19. intend
    FOS is run by the Banks - so no chance
  20. intend
    Shouldn't need exact account details - SAR asks for all financial records held by the organisation - with info from above it should be enough for them to provide you with info - give them details of your address at time you took out loan. Good luck and go for it.
  21. intend
    Look forward to reading it - it might come in handy as I have a claim in with them. Good luck
  22. intend
    Outrageous to assume you would have taken it out!! Need to spell it out in plain terms that you would not have taken out PPI under any circumstances.
  23. intend
    Acknowledgement received - 8 weeks and counting- hopefully some of new PPI provision will be winging its way to me!!
  24. intend
    "erm.. we have no knowledge at all of this 'judgement'" Important issue here that needs clarification Intend
  25. intend
    Defo a form of PPI. Looking forward to this - am sure you will not let this go until money in back in the account. Good Luck BB

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