Found the following this morning,A record number of disputes regarding the mis-selling of payment protection insurance (PPI) will need to be resolved over the next year, as banks and insurers have subjected customers to "delays and inconvenience", a finance watchdog has warned .Despite a legal challenge to PPI complaints being dropped last year, the Financial Ombudsman Service (FOS) said it was "disappointing" that a significant number of consumers are still waiting for businesses to clear up their cases. The ombudsman expects to settle 130,000 PPI cases in the financial year 2012/13 and warned that many of these disputes are likely to be "more entrenched". This figure is up from 109,500 this financial year and more than double the 60,000 PPI cases resolved in 2010/11.The FOS said it will need to gear up on an "unprecedented" scale to tackle complaints, with PPI cases expected to make up half of its workload.It is consulting on plans on how to cope, including proposing businesses pay an additional fee of £350 for PPI cases on top of the £500 standard case fee, saying it would not be fair for those not involved in mass PPI claims to cover the costs.Tony Boorman, principal ombudsman, said: "A year after the High Court ruling gave us legal finality on the approach that financial businesses should take on PPI complaints, it's disappointing that there's little finality for significant numbers of consumers who are still waiting for their bank or insurer to deal with their complaint.Apologies if this is in the wrong place, Unfortunately i am still unable to persue all my own miss-sold PPI,s ( S/E ) due to ill health caused by them,Regards Ro

Great find gregorious77, well done. the link won't work for me, but the pdf will download,thanks, regards Ro

Congratulations Kate, Well done, It helps me so much personally to see what can be achieved. And gives me encouragement for when i will be mentally stronger, to take on my battle for justice.Best Wishes Ro

I am still ill sadly, and trying to not get upset, but this whole situation makes me mad, So Many honest innocent law abiding, hard working people. who trusted once reputable institutions, banks etc. with their money. only to be miss sold PPI. and ripped their own customers off, at any opportunity, by way of charges, fines, PPI.interest, etc (otherwise known as fraud.) And when in difficulties. their customers are first given a poor credit rating, to ensure there is no other alternative to juggle money to pay off anything. Then a program on television shows some loudmouth hired thug, boasting about the threat of commiting GBH by incapacitating these now criminalised innocent people, with a blow to the throat! well forwarned is forarmed, personally i will be ready for the hired thug! but how can such behavior be allowed? Where is the help for people in difficult situations bought about by the once respected institutions? i have been S/E all my life. who got the money! it wasnt me, it was the thieving banks! who it seems are not honourable enough even now, to willingly pay back the money they obtained (under false pretences) to their victims! re PPI claims, before the 6 years wether before or after the six years! it is still theft.! why are they allowed to keep their customers money, obtained under false pretences? because they they stole it pre 6 years! if they are keeping the money they stole, putting their customers in unforseen situations as a result, no one will be able to use their own money to pay anytrhing! and we get charged for this!Ro

Thankyou again Janie, Sadly since all this upset,a flu jab and eye exam, i now have a numb Chin! i have to see the doctor again, And i can tell you it is a mistake to google Numb Chin. often the first sign of something serious. one problem leads to another it seems. will battle on.Best wishes Ro

Hi Coffee, any updates please? Best wishes Ro

Thankyou so much for your reply Janie, That is so helpfull i cannot tell you. i did in fact phone the office of the organisation which referred me. and they contacted the councelling dept, who confirmed that they do not record anything. As for a receptionist who said Thankyou, i realise that i am over the top sensitive at the moment. which is part of the reason i need to be going there. They also said that they say Thankyou for using thier service, i find it very difficult to talk about some things going back to my childhood, but i must do so, i will be 70 soon, i realise that i can talk to strangers though very difficult, i have this opportunity and must see it through to the end, i may not get another chance to offload my problems again, strangely i found myself talking about things i am proud of doing in business, after my appointment, i think it is me telling me, i have achieved many things. including saving lives. i guess i need to remind myself of things that have happened which are far more positive! though i worry this may bore my councillor! Part of my condition is bought about by unfair banking institutions, who get away with cheating customers,i am one like many here trying to get money paid back, and have to fight to try and get it back! the trouble is. in my own industry i was an expert,building my own business up from nothing,relying on advice from banks etc. but i have lost confidence to fight! also A 'deaf' tax inspector, caused so much damage, many years ago. that keeps popping in to my head! After many months of balttling they owed me money! but the damage has been done! and that was 25 years ago, i think it is the injustices in life that gets me so low, some things are a mystery to me!Thankyou again, Best wishes Ro

I also think there should be a follow up program, in fact at first i thought it was to be a series! i agree with the above, In what other industry can anyone be trained in DEMANDING MONEY WITH MENACES! other than crime! but with crime there is no police assistance!

Thankyou so much for your reply HB,to explain further, after i had finnaly confided in the councillor, i felt like a weight had been lifted after 2 years,and soon after started chattering away about anything, which is not me! today i feel awfull again, i was less sensitive immediately after the councilling session, but after walking down the corridor to be met with a THANKYOU, from another room before i got out of the building, I was back to down again! why thankyou i thought, (i had not bought anything!) and not goodbye! it probably is me being too sensitive, at the moment i have no wish to go back to the building, but will have to explain this in some way to my doctor,as i have another 3 appointments booked, which i cant face. dissapointed with self.Kind regards Ro

Bit of an update, after two meetings, i finnaly plucked up courage to talk about very personal issues on the third meeting, although the lady was stiffling yawns, i managed to confide all the details that i had been saving up! These excedingly personal matters are difficult to talk about, and involve damage done by possibly incorrect medication being prescribed by a doctor, with dreadfull consequences, i kept talking about other unrelated, possibly stupid minor things that have bothered me for over 15 months as well that are still unresolved,for some reason i was boasting about things i have managed to achieve, i don't know why, perhaps in an attempt to gain some confidence that i was at one time a more worthwhile person, i was determined to tell all about the most private problems, However i was very alarmed by my trip out of the building when females from behind a counter in an office shouted Thankyou, as i left, I would have expected Goodbye, This has alarmed me, as i now wonder if there is a microphone in the room recording all i say, Does anyone know if this is possible Please. my problems would sound hilarious to any female listening! i now feel so embarrassed i cannot go back, i do not want to cause any problems for anyone there, in case i am over reacting, and perhaps i should have asked about any possibility of recordings! but i will have to give a reason, Question is -is it their practice to record what is said? Any advice please, Regards Ro

Yes thankyou Honeybee, That has helped me, Also i saw the same lady yesterday and she was far more talkative, as you say she took notes on my first visit, And boy was she on the ball, i came out feeling so much better, we talked about many of the things i had mentioned on my first visit, She did say that i was very 'matter of fact' as i explained the many things that were bothering me, i said that is the only manner i can discuss such things! plus i am a bloke i havent cried for nearly 60 years! i felt this meeting was very positive, She also said 'in a rather re-assuring way' that my credit card debts will not result in me losing my home, As advised on CAG. provided i make regular payment to creditors, For months i have been waking up worrying about debt problems, health problems, snatched as a child, abused by father, divorce twice, all the negative things that have happened over the years, this is before i even wake up properly from my drug induced sleep! Anyway thankyou for your reply, i now have total confidence this lady will sort me out, regards Ro

Thankyou sir_gilmour (Am in bournemouth area, coincidence!) I will do as you advise, And Thankyou also Scott. much appreciated.Regards Ro

I have been booked for weekly councelling by my doctor, i had one session last week, but i am confused! some of my issues go back over 50 years following abuse, and many other things, however all this time later i wake up in the morning thinking about all these things after so many years,on top of that upset and worried about my debts! in my first session i was in a room with the councellor, and it just seemed that i was expected to just start talking,she said very little! i found this a bit odd, i had plenty to say after all i relive these strange things every day before i fully wake up! can anyone tell me if this is normal practice by a councellor? is there a recording of all i say going on some where in the room? i noticed she did make some notes, but surely she will not remember all i will have said over the 6 weeks.i am also worried that if i say the wrong thing i may be sent to a mental hospital! Any insight to what i might expect, or how these things work would be very helpfull, Regards Ro

Thankyou for that ims, I do have a cis sheet,i think in my situation at the mo, it best to slow down a bit and not go for too many things all at once, and not take on more than i could cope with. i am considering the hardship route also to claim back charges, because of the PPI payments they always take first, that has led to many penalty charges! causing me hardship now. When you say -current accounts, in which context do you mean current? i was thinking of claiming on old accounts no longer in use. if i can?Regards Ro

Thankyou for your reply ims, sorry for late reply, head all over the place just now, with the interest rate question, i think what i am worried about is getting the calculation wrong, the reason is that i have the other account (Abbey National) which i have statements for back to 02,-04. but no original agreement or APR on this one, this on top of the two above! could you tell me how that rate, would figure in the above interest calcs please? and if i make a mistake do they just laugh it off under the label= No Chance!Also i have been looking at the Hardship template letters, at the end of the day, basically i have been working for the banks for years!! i think this is something else to consider for my little brain, Am i best to continue with the PPI situation first, i have great difficulty in understanding which order to do things, Regards Ro

Congratulations Huggy, thats brilliant. Have been following your thread with interestt, inspires me to fight on, Best wishes Ro

Well in hindsight, Barclaycard should have been at the top of my Re-claims list! (2 other claims going on in early stages but this for me is a learning process, and i am particularly slow just now) This lot have passed my dept on to Mercers, And they in turn have issued a DN, All i need, feel dreadfull. i have been waiting since May to be referred to the head mending Doctor,(long delay) So went back to my own Doctor, who has written a To whom it may concern letter explaining my illness, for me to send to my creditors, But it looks like i'm too late with this lot, they are not interested in any problems i may have. They have ripped me off with PPI and charges over many years, without which i may have reaped some benifit from being S/E. yet they put me in default! Time to SAR asap,Ro

Hi all, Well i have looked at all these sheets of paper from mbna, looking for interest charges right from the beginning, but cannot seem to find any mention of APR other than the reprice in 08 from 24-90% to 34-90%, which would imply that the interest rate i have been paying from the start is 24.09% ! does that seem average? i suppose i expected an original agreement with this info included, however mbna took over from Abbey.in 05, and prior to this was Abbey National, which in the reply to SAR is not mentioned at all, but i have all statements from Abbey National, should mbna have sent this info also? Any advice please, my PPI payments made are around £ 1,500 by my calculation.On a better note my doc has written a letter to send to creditors about my state of health, in the hope they will stop harrasing me while i await treatment from the head mending doc,I am trying hard to get on top of this and ather accounts before i can even begin to go for G.E. Regards Ro

Thanks again ims, i will copy your page 4 in sig, printer out of ink, the interest is something i must study and learn how this works, however looking through the papers mbna sent it looks to me as though i tried to cancel PPI in 09, (without success!) then phoned again in 10 and managed to cancel, As for APR IN 08 There was a reprice ----Retail spc 3 APR TO 34.90% Reprice ccc spc 4 APR TO 34.90% WELL TO CUT A LONG LIST SHORT! All interest rates relating to codes on a list were increased from 24.90% to 34.90% All a mystery to me, will get studying! I realy do not mind if i need to go to court, because i think it is so wrong the way people have been treated, by banks etc. very often it appears they take thier PPI payments,first. then on my statement, soon after i get a late payment charge! or over limit charge!i do notice they only regognise as far back as 04, statements, which was Abbey, However i do have statements with PPI from 02--04 from Abbey National. Thankyou again for your time, Hope to get on line again soon, but pc screen keeps going black! thought i died! lol.Regards Ro

Ha ha, beginning to think i am owed enough to build my own refinery! Could you advise what interest i should apply on the cis sheet please, would it be the same as Capital one? can i get any over,and late.or interest charges back?Regards Ro

Hi ims, i am also good thankyou, feel better for knowing there is help and advice availiable such as yours, whilst i could draw a wiring diagram for an oil refinery, i do not understand banking at all, and in the past mistakenly relied on the once honourable instututions to do that for me. your answer to my above question is another nugget of helpfull info for me.regards Ro

ims how are you? thankyou,i don't think i have seen PPI mentioned as 'POSTED CREDIT INSURANCE FEES' could you tell me if this is a valid term? does it make any difference what it's called, can i treat it of refer to it in tha same way as PPI ? My problem is i i know longer trust these institution's, (after all they appear to have taken my money under false pretences) Also i am a bit confused as to when or at what stage i can claim 'the account is in dispute' with the library letter.

Well we have the reply to the SAR from MBNA, I was wondering how or if they would refer to what is known as PPI pre the 6 years, they refer to these payments as 'POSTED CREDIT INSURANCE FEES' taken on the same date each month (from 04 ) prior to them giving the correct title PPI,08 They sent a very poor copy of original agreement in which it mentions my S/E but no where can i find anything relating to a PPI or Posted Credit Insurance Fees, Agreement! in between that title by the way it refers to CREDIT INSURANCE PLAN COVERAGE before PPI in 08! they also mention SPECIAL CASH INTEREST, POSTED RETAIL INTEREST, POSTED CASH ADVANCE INTEREST, POSTED CASH ADVANCE FEES,Any translation or advice on the above would be much appreciated.Regards Ro

thankyou again ims, i feel as though i have learned so much this week, with your help and guidence, and feel the better for it. i feel able to go after other crediditors now, using a similar method. will keep you updated. Regards Ro

Thankyou ims i will send off the FOS form, with my cis sheet for PPI claim, and a separate one for charges plus interest. Could you tell me at what APR should I put on the sheet for charges please? My reasons for my claim for the mis-selling of PPI, are that I was S/E, I had my own insurance cover in place, but it was made clear that I would need to sign for PPI or I would not receive the loan/account, however although I ticked the box requesting PPI. It was also not made clear that I could go elsewhere to obtain PPI cover, I would not have received any benefit from PPI as I already had existing medical problems. Which I was not asked about. How can they apply or accept a PPI in the absence any medical? The reply I received to my SAR. Was a copy of the agreement, Not the actual agreement, (which I imagine would be impossible to get ?) is there a template letter? Which I imagine would be called a pre-lim letter,? The reason I ask is that I am angry about the knock on effect of all the PPI payments I have made to many accounts which have contributed to many of my present problems. And would like to point this out to capital one, and many other 'once respected' institutions in the following weeks. Thank you again, any advice much appreciated. Regards Ro