Hi WFLOSS, Do you have a link to the webstie page? Thanks, I think I found it now [Common types of failings in PPI sales] Regards JT

Thank you dx, A big difference LOL. Regards JT Hi all, Letter posted today so they now have 14 days to respond. Regards JT Hi All, While waiting for the next rejection in 14 days from K&Co can someone try to explain to me why I still have a Case for miss-sold PPI [ACP]. In relation to my comments regarding my unemployment to K&Co: K&Co said: ACP [Account cover plus] is a multi aspect cover. Unemployment when you accepted the insurance is not an exclusion to the policy as you would have been covered for Life, Hospitalization and Merchandise cover. Thanks all Regards JT

Hi WFLOSS, Thank you very much for taking the time to offer me the benefit of your own experience with your case, I believe I may have come across a post of yours regarding your case. I will for sure take into account what you have told me and I will keep my fingers crossed that all works out well for you. dx has been of great help as always and replyed to my post but I would also like to hear from gezwee & ims21 before my next move as they have all been helping me trough this from the start and I would like to see what the general consensus is for the next move. Very best regards JT Hi dx, Would this letter be ok?: "Dear Sir/Madam, Regarding your final response letter Dated: xx/xx/2011, Thank you but what you have stated in your response letter are not valid reasons for turning down my claim. May I advise you that you have 14 days before I will contact the Financial Ombudsman Service and or take you to court regarding this matter. Regards JT"

Hi dx, Thank you Very Much, With my not having any experience with sort of thing their letter put the wind up me today, I so very much need to some how win this, This Debt it's hanging over me like a lead weight. Regards JT

Hi dx, Thank you, Regarding, "write back advise them that they have 14 days before you will either go to court or contact the fos your choice" dx". What will this letter achieve for me?. Do I still have a good case even with all the reasons that K&Co give in the letter above "final response" saying that I have no case as I would have been covered by Life, Hospitalization and merchandise cover, and because they say that I had detailed description and cancellation rights on every statment?. What happens now that I have the Final response from them, do I wait until the end of week 12 before I bundle everything up and send it off to the fos. Can you elaborate on this?. Thank you. Regards JT

Hi Gez, Ims, dx, K&Co, have made the decision NOT to uphold my complaint of being Mis-sold PPI. See Attached File. Regards JT page A K&Co 001.pdf

Thanks Gez, Regards JT

Hi Gez, Thank you very much, Do I still need to send them a remind them letter?, or wait for them to provide me with a final response within the 7-10 days they stated. Regards JT.

Hi dx, Thanks, is this ok [ To K&Co, May I remind you that you have only XXX days left before I start an fos complaint. Regards JT.] If so I will post them the letter to remind them asap. Regards JT. Hi again, Sorry my mistake! they still have 4 weeks untill the 12 weeks is up, do I still send them a letter?. I'm a little confused when do I complain to the Fos, 8 weeks or 12 weeks into the claim. K&Co received my claim the start of /09/11. K&Co say: [ we have not completed our investigation within the prescribed 8 weeks allowed] Regards JT

Hi Gez, Ims, dx, Update I just received this letter below: "Dear sir, Further to our letter date xxxx2011 concerning PPI on your Account. I can confirm we are continuing with the investigation of your complaint. I am awaiting further information and aim to provide you with a final response within 7-10 days. if in the meantime you would like to discuss this further please do not hesitate to call us. Although we hope you appreciate that we are progressing your complaint as quickly as possible, [as we have not completed our investigation within the prescribed 8 weeks allowed], you can refer the matter to FOS. Yours ------". On their letter above they mention 8 weeks, But it's 5 days short of 12 weeks now for them to respond by. What do I do NEXT?. Thanks, Regards JT.

Hi Gez,I sure will,Thank you.J.T

Hi Gez,Yes the date they offered for final response by my reckoning is 1 day before the 12 week limit is up.J.T

Hi Gez, ims, dx, Just to keep you up to speed I just got a response from K&Co see below: "Further to our letter of xxth/ 9/2011 concerning PPI on K&Co Acc. I can confirm we are continuing with our investigation of your complaint and will ain to provide you with a final response by xxth/xx/2011. in the meantime if you would like to discuss this further, please do not hesitate to call us. yours sincerely". Regards J.T

Thanks, dx. Regards J.T

Hi Gez, Ims, dx, I posted the above reply letter to them 19 days ago via signed for, " Royal mail Item is being progressed through our network for delivery". I have not herd a thing from K&Co is that normal?. Not even a phone call or letter from them about the £9000 Catalogue debt. Regards J.T

Hi Gez, ims, dx, Posted the above letter 7 days ago via signed for, good old Royal mail (Item is being progressed through our network for delivery). Regards J.T

Thanks ime, Changed to "Either restitute my money or issue your final response so that the claim can be passed to the Financial Ombudsman Service."

Hi Des and ims, Thank you, Is this letter ok to send to them?. and should I send it via special del signed for as before?. (Dear Sir/Madam, Thank you for your reply dated xx/xx/xxxx. My I remind you that this is a claim for a refund of mis-sold PPI and you should investigate this in accordance with the documentation I have already sent to you Date: xx/xx/xxxx that you recieved Date: xx/xx/xxxx, there is no need for me to phone you and also is no need for any meeting and therefore none will take place. You are required to investigate this under the FSA rules, if you do not do this I will report directly to the Financial Ombudsman Service. You have until (8 weeks) to either restitute my money or issue your final response so that the claim can be passed to the Financial Ombudsman Service. Regards J.T) PS, Their complaints procedure leaflet, see above (FROM K AND CO 2.pdf) says they have only 8 weeks to respond, BUT on their letter it says " thank you for your letter date xx/xx/xxxx" but my letter was dated 8 days before the date they say and they signed for it 6 days the date they say. Thanks!

Hi Again ims, Thank you, I have chronic pain and am on Analgesic tablets I suffer disorientation and confusion, so if I don't have to see them that's better for me. In my claim I only told them that I was not working at anytime of the PPI Inc, is that enough form them. I don't want to do anything that will void my claim. Regards J.T

Hi ims, Thank you for the quick response, sorry that Attachment was a double and has now been removed. This is the file that I am asking about (FROM K AND CO new 2.jpg). Asking me to contact them by phone so they can make an appointment to send Complaints Handlers to see me. Regards J.T

Hi Dez, ims & dx, Got this from K&Co, Please can you tell me does this mean? is this the normal reply? and what do I do now?. Regards J.T FROM K AND CO 3.pdf FROM K AND CO 2.pdf

Hi Gez ims & dx, I phoned them up to see if my PPI claim had been received but THEY said no it had not. So I sent it to them again via Royal Mail Special Delivery they got that one the next day and I have Electronic Proof of Delivery and I have a print out of it. Special Delivery seems the way to go as Recorded Signed For seems just a waste of time and yet more money on them. Well the ball is now in their court so we will see if I get an ack letter from them now. Thanks, J.T

Hi Gez, Once again thank you for all your help. Regards J.T

Hi Dez, ims & dx, Posted 27/8/2011, PPI refund claim still not delivered or unsigned for and no ack letter from them.Should I ring them tomorrow to see if they are progressing my claim, if that is the correct thing to do at this time or should I give them more time?. --------------------- But as for my financial statement and offer of lower repayments that was refused, via a "standard unable to accept as it does not meet our minimum payments criteria", from them. Do i send them this back Now?.( In regard to your correspondence dated xx/xx/xxx concerning the above account. I am disappointed that the pro-rata payment of £x.xx I offered in my letter dated xx/xx/2011 does not meet with your approval: All my other creditors have accepted my pro rata offers and frozen interest and understand that this is the most I can afford. I would ask you to reconsider your position as my repayment proposal will only succeed if all my creditors agree to it. I am appealing to you to please accept my offer and to freeze interest and other charges as long as I keep to the payments. To demonstrate my commitment to repaying my debt I have now commenced the reduced payments to all my creditors, including the pro-rata payment to the above account. I will continue to make the reduced payments to you on a monthly basis and look forward to hearing from you as soon as possible on this matter. Yours sincerely J.T.) Regards J.T

Hi Gez & ims, Thank you both, ok hold the fee/charges for now and no consumer questionnaire with that one, got it, and I will read other Kays/Shop Direct threads here. Regards J.T