Acknowledged!! Ggrrrrrrrr Why drag it out??

Hi all Well they have until Saturday (17th) to acknowledge or not!! Now does a saturday count or does it roll to the Monday as a working day???

Hi all, Back in October I sent an email to Evans store card asking them to stop my PPI, they never did! In Jan i phoned them & they refunded my PPI repayments from October & said they would cancel it. They still havent!! I now think that i am actually entitled to have a total refund from when i opened my account instore as the girl behind the till didn't explain to me that as a temp i wouldn't be able to claim on it anyway. So where do i start, i want to cancel it & claim for a total refund, am i entitled?? They are flipping useless!!!!!!! Is there a letter for a refund of PPI? I have had a look but can't find one anywhere. Also, when i sent them my DPA in October last yr I didn't get all my statements! Do i need all these to get a PPI refund? Many thanks for your help! Lorraine x

Well, been away a bit, started new job so this got put to the side. I have just been on MCOL & put my claim in, so lets see how it goes..... Why have i got a knot in my stomach?

Well had a very quick reply to the LBA!!! Saying that they were not able to refund me all of my charges, surprise! Now just one thing (not sure if i made a cock up?!?) They offered me half of what i'm claiming & i refused that saying i wanted all of it, now should i have taken that as prtial payment?? Does it really matter? So do i just go to court now? Bit scared now

Hi All Well i sent my request for payment letter off to IF & i've had a reply today offering half the amount back. I don't want to accept this so just need a wee bit of advise as to which letter i send now Do i send the refusal one then the LBA or just the LBA with a little bit in it refusing offer?? Thanks in advance! MERRY CHRISTMAS TO YOU ALL & A HAPPY NEW YEAR!! :grin:

Hi there I am in the middle of a claim against my bank for unfair charges & have been following this section too I took out a 12 month loan with Marks & Spencer last xmas & was advised to take out payment protection (extra £150 on top of loan) now i have just realised that even if i needed to claim during the last year i couldn't because i'm in temporary employment. Does this mean that it was mis-sold to me & can i claim it back. When i put my application in my employer was an agency name. The loan doesn't finish till february as the start was deferred for 3 months so should i wait till i've finished paying off the loan then claim or can i claim now? If i am entitled to claim where do i start? Are there different letters to use than the bank claiming ones? Sorry for all the q's just don't want to get it clear first! Many thanks!!! Lorraine x P.S Does this apply to all payment protection on credit & store cards too as i've got loads of PPP on my GE store card again when i was in temporary employment so again useless to me!

Well got my list of charges today along with tho postal order i sent them, saying that there was no charge. Not as much as i thought, i obviously haven't been as bad as i thought?!? So off to read a bit more about the next stage, LBA i guess! Would be lovely to get this before xmas, would help out loads!! Also does anyone know what i do with returned PO? its made out to IF so not sure if i can cash it back or can i cancel it & get money back?

Hi Sarah I've started with IF too, still waiting for my statements to come through tho! Did you have to apply for yours? If so did you have to wait long? Good luck with the fight!! I'll be watching yours with interest Lorraine

After receiving another charge today i decided to ring them up to see if they had recieved my letter Spoke to man in customer services he knew exactly why i was asking for them & mentioned that they have been given a date of 28th August & that all charges before that date are legal!!!!! I just said well i still want a copy of statements or charges, there were no notes on my account of it being recieved so he would pass it to complaints dept. About 5 mins later the same guy called back to say that he had spoken to dept that is dealing with it & they had actually got the letter on the 20th, 8 days after i posted it (12th) 1st class & they had 40 days from that date to give me info. Now do i count the 40 days from when i posted it or the date they say (?) they received letter??? Also has anyone else heard about this date that i mentioned above??

Posted request for charges on the 12th, still no response. Bit odd tho as its not showing as delivered on the royal mail track & trace bit. So where has it gone?? I sent it to the registered address in Halifax, is that right?

Hi all New to the site, so thought i'd say HELLO! I am just about to send my letter off requesting my bank statements for the 6 years, bit scared by it all, but feel i must do this if they are ripping us off!! I'm sure they must owe me in excess of £1000!!! Better in my account than in theirs! Just a few q's tho i'm afraid! Do i address things to Halifax or IF? Do i send them £10 or do they take it out of my account? Is this bunch easy to deal with or will i have to fight them to the bitter end??? Thanks in advance, wish me luck! Lorraine