Well it's been nearly five years since my PPI complaint was transferred to the FOS. Will I ever hear back from them?

Hi Queens-king

Thanks for your reply. We shall sit back and wait then. I suppose a potential plus side is that if they uphold the complaint we'll get more interest?

Hi

I just wondered if anyone else has a PPI claim with the FOS and if they've had any updates?

In May 2013 they settled half my claim but not the rest so I transferred It to the FOS. Haven't contacted them yet. Interested to know if any have been settled.

Cheers

Karl

Following this thread with interest.

The BoS still has the name and address at the top. Can you scrub it out?

I'll write back to them monday. I reckon £100.

Will keep you updated.

Well thats whats I thought but i didn't want to push my luck.

what do you think?

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Am having trouble uploading images of the letter. Can anyone point me to the sticky?

Thanks

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Hi all

Just an outset.

I complained to American Express because they keep writing and calling us for the previous tenant of our rented home. They somehow got our private mobile numbers too and called us for this person.

I complained and they have replied.

Any advice on their reply, or should I just let it be? I'm so annoyed they contacted us because we are associated at the same address.

Thanks.

Received letter back from American Express today.

I will learn how to photobucket it tomorrow for you to see.

They have upheld my complaint. Removed us from their records and proposed a goodwill full and final settlement of £30. Offered without them admitting liabilty.

Liability for what? What are they scared I'll do?

Any suggestions.

Hi Bazooka Boo

If I was living on my own i wouldn't have bothererd. But my other half doesn't understand law and thinks a bailiff could be on his way.

Thank you both for your replies.

Someone has just called me back. Looking at the other threads about them, I expected it to be hard work.

Told them we took over the tenancy a year ago just after she left. I was put through to another department. Explained the situation. They asked for her address, I gave it to them after I told they to take our details off their system.

I got the name of the guy I spoke to.

Will see what happens.

Hi Everyone

My partner and I moved into a property June last year. We rent privately through a letting agency. The previous tenant left just before we moved in, leaving a lot of debt in her name at the property.

We had been given the same landline number as she had and we constantly got calls from Cap1, Barclaycard, American Express etc. They have stopped now as they know she no longer lives there. But we keep getting debt letters from them. I know her forwarding address so I put it on the envelope and pop it back in the post box.

But Saturday morning my partner got a call on her private mobile phone asking for the debtor. I later had a missed call from the same company. The company is RMA / NCO Europe. They are obviously collecting for someone, but how on earth would they have got our mobile numbers? When my partner asked them, they wouldn't say (data protection).

I have called them back and am waiting for someone to contact me as their systems are down at present.

I'm not worried about it, just really annoyed how they could get our numbers?

Any advice on how to deal with them, and how I can get our numbers disassociated with the debtor?

Thanks

Hi Vicky

I was in your position about three years ago. I filled in an apllication online and before I kew it, my details were passed to numerous loan companies. They all had high APR rates and wanted an upfront fee. I'm still getting calls now about it, it's so annoying. I didn't go ahead in the end as managed without more credit.

Is a loan definately the best option for you?

A SENIOR MOMENT - An elderly lady actually wrote this letter to her bank. The bank manager thought it amusing enough to have it published in The Times and this newspaper thanks him most sincerely.

Dear Sir,

I am writing to thank you for bouncing my cheque with which I endeavoured to pay my plumber last month. By my calculations, three 'nanoseconds' must have elapsed between his presenting the cheque and the arrival in my account of the funds needed to honour it. I refer, of course, to the automatic monthly deposit of my Pension, an arrangement which, I admit, has been in place for only thirty eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account £30 by way of penalty for the inconvenience caused to your bank.

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways.

I noticed that whereas I personally attend to your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, overcharging, re-recorded, faceless entity which your bank has become. From now on, I, like you, choose only to deal with a flesh-and-blood person.

My mortgage and loan payments will therefore and hereafter no longer be automatic, but will arrive at your bank by cheque, addressed personally and confidentially to an employee at your bank whom you must nominate.

Be aware that it is an offence under the Postal Act for any other person to open such an envelope.

Please find attached an Application Contact Status which I require your chosen employee to complete. I am sorry it runs to eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative.

Please note that all copies of his or her medical history must be countersigned by a Solicitor, and the mandatory details of his/her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course, I will issue your employee with a PIN number which he/she must quote in dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modelled it on the number of button presses required of me to access my account balance on your phone bank service.

As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further. When you call me, press buttons as follows:

1-- To make an appointment to see me.

2-- To query a missing payment.

3-- To transfer the call to my living room in case I am there.

4-- To transfer the call to my bedroom in case I am sleeping.

5-- To transfer the call to my toilet in case I am attending to nature.

6-- To transfer the call to my mobile phone if I am not at home.

7-- To leave a message on my computer (a password to access my computer is required. A password will be communicated to you at a later date to the Authorised Contact.)

8-- To return to the main menu and to listen to options 1 through 8

9-- To make a general complaint or inquiry, the contact will then be put on hold, pending the attention of my automated answering service. While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call.

Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement. May I wish you a happy, if ever so slightly less prosperous, New Year.

Your Humble Client

IMPORTANT to REMEMBER that this letter was written by a 98 year old woman

If it was me I'd sell the third home once I'd inherited it and pay off my creditors. But thats me. I face up to my responsibilities.

I understand what you mean, but people do have a freedom of choice.

from their website

Terms and Conditions apply. Finance charge will be between £10 and £14.75 per £50 borrowed. Typical 2356% APR. †Loan amounts are based on consumer's credit history and ability to repay loan. Not everyone may qualify for £1500 ‡QuickQuid performs traditional credit checks, while still accepting those with less-than-perfect credit. QuickQuid verifies applicant information via various national databases. §Funds will be deposited the same working day, if approved by 14:30. ¶Approval may take up to 30 minutes in most cases. Payday advances should be used for short-term financial needs only, not as a long-term financial solution. Customers with credit difficulties should seek credit counselling.

The maximum interest charged for say a £100 SHORT TERM loan is £29.50.

I don't see nothing wrong with that. It's when people use it as a long term solution they fall into a mess.

Or have I got this completely wrong?

Hi senferlaka

Sorry to hear your still getting these phone calls.

Have you sent a letter of harrassment?

Sorry you've been missed the last few months. Hopefully this will bring up your post.

How are things now?

Good luck, hope things all work out to plan.

Can anyone help me out on claiming interest back on a PPI?

My PPI was refunded when I complained at the time (2003). I got a payment back about £530. Now I want to put a claim in for the interest I was paying for it through out the loan, but I can't find no info on this. Is it both compound and statutory 8%?

The loan is paid off now. Am I wasting my time?

Thanks