Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

How do they repay?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5327 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I am in the process of waiting for Egg to do something about my claim for missold ppi (going grey in the process) but today they have told me I have 'passed the first stage' but because of the amount involved it needs to be looked at by another department. If I eventually succeed in this I calculate I could be owed about 4 - 5K. My loan is still running and will be for couple of years yet. Can Egg insist that any repayment due to me is lodged against the outstanding balance of my loan? I really hope not as I can make the repayments and have never defaulted and a nice lump sum would be very welcome in my hands just now!! Has anyone found their repayment is been used to pay of other debt without their consent? Thanks in advance...... ;)

Link to post
Share on other sites

how long as your complaint been going on? As far as I know all of these institutions have eight weeks to sort out any complaints. As there been an extension in respect of PPI?

Link to post
Share on other sites

Hi, I first wrote to them in February (approx 15 weeks ago!!) and because I heard nothing wrote again in April with a copy of my original letter. They are using the date of the April letter as their first contact date as deny receipt of my initial letter. This means in their view they have about another 4 weeks to sort out. finally after tonnes of generic 'we are dealing with your claim' replies they told me by phone today it is being looked at but it then occurred to me I may not actually get any money as my loan still has an outstanding balance - can I insist on refund of any monies due to me as an actual payment and not a credit on my account?

Link to post
Share on other sites

Hi Telrac:)

 

I am only a novice in all this myself and I'm sure someone else more experienced than me will come along to help you, but as far as I'm aware, if you have proved (and they accept) that the PPI was mis-sold, then even if the loan is still running you can insist that the refund is made to you in the form of a cheque. It was a separate issue from the loan and therefore you are perfectly entitled to have it back as a payment in your hand.

 

However, I have heard of many cases where banks try to insist that the loan is restructured once PPI is refunded and that you need to sign a new loan agreement. This is not necessary at all and is most likely their way of attempting to get some more money out of you in the form of further interest on this 'new' loan and should not be agreed to!

 

Hope this helps!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

Hi, I first wrote to them in February (approx 15 weeks ago!!) and because I heard nothing wrote again in April with a copy of my original letter. They are using the date of the April letter as their first contact date as deny receipt of my initial letter. This means in their view they have about another 4 weeks to sort out. finally after tonnes of generic 'we are dealing with your claim' replies they told me by phone today it is being looked at but it then occurred to me I may not actually get any money as my loan still has an outstanding balance - can I insist on refund of any monies due to me as an actual payment and not a credit on my account?

 

Firstly do everything in writing and send all correspondence at least recorded to be signed for. That way you can follow the Royal Mail tracking system to prove the mail was delivered and when it was delivered.

 

On the issue of refund you can insist on any repayment of PPI money to be paid to you by personal cheque in your name. They cannot use PPI money to pay off any money still outstanding on the loan. The loan and PPI although maybe shown on one Consumer Credit Agreement actually require two signatures one for the loan and one for the PPI. Reufnds of mis-sold PPI should include the premiums with the interest and also add on 8% statutory interest from the date the loan started until you accept the offer of repayment.

 

See these two threads for further advice on the subject.

 

Multiple agreements falling within section 18 CCA 1974

 

Is My Agreement Enforceable - Useful

 

hope this helps

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

I am in the process of waiting for Egg to do something about my claim for missold ppi (going grey in the process) but today they have told me I have 'passed the first stage' but because of the amount involved it needs to be looked at by another department. If I eventually succeed in this I calculate I could be owed about 4 - 5K. My loan is still running and will be for couple of years yet. Can Egg insist that any repayment due to me is lodged against the outstanding balance of my loan? I really hope not as I can make the repayments and have never defaulted and a nice lump sum would be very welcome in my hands just now!! Has anyone found their repayment is been used to pay of other debt without their consent? Thanks in advance...... ;)

 

My claim for misselling was resolved in two weeks (sold over the phone in 2006) and they credited my loan account and said my loan would finish 2 years earlier. I didn't realise that you could ask for the money to be paid back to you as this was my first claim.

 

RBS refunded my payments made on my current loan directly to my current account and I asked my RBS caseworker what the standard practise was and he said any payments made should be refunded. So although a few months had passed, I contacted Egg again and asked them to put me back in the position as if PPI had never been added. After some time they reduced my monthly payment to refect loan only payment with my loan still finishing a year earlier.

 

I wrote again saying that I wanted my loan to run the full term of the agreement and wanted the payments I had made refunded to me. They said this wasn't their policy and they would have to increase my payments if they refunded which was absolutely rubbish.

 

Sent imy complaint regarding refund on to the FOS but it was 6 days outside of the 6 month period and they returned my complaint. Have appealed against FOS decision and am waiting for their response.

Link to post
Share on other sites

Is the position with credit cards the same ? I know I haven't signed anything at all for the PPI and RBS have agreed to refund £703 but they keep insisting that it needs to go towards the credit card balance despite several letters asking for a cheque 'to put me back in the position I would have been in' BLAH as per their offer letter

 

Thanks?

Link to post
Share on other sites

Is the position with credit cards the same ? I know I haven't signed anything at all for the PPI and RBS have agreed to refund £703 but they keep insisting that it needs to go towards the credit card balance despite several letters asking for a cheque 'to put me back in the position I would have been in' BLAH as per their offer letter

 

Thanks?

 

 

You will keep a better control on your own case if you open your own thread.

aa

Edited by alanalana

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Thank you so much everyone for your advices and views. My husband thinks this is a waste of time as doesn't believe I will ever see any money but after reading other threads on here I think I really do have a chance and will pursue as hard as I can. Hubby currently out of work and finances v tight (like most other folk I know) so will be pushing for a cheque in my hand rather than credit on my loan account. Will report back, watch this space......;-)

Link to post
Share on other sites

Thank you so much everyone for your advices and views. My husband thinks this is a waste of time as doesn't believe I will ever see any money but after reading other threads on here I think I really do have a chance and will pursue as hard as I can. Hubby currently out of work and finances v tight (like most other folk I know) so will be pushing for a cheque in my hand rather than credit on my loan account. Will report back, watch this space......;-)

 

It is easier to get the funds paid back to you on a loan than it is on a credit card. I have only recent ly applied for PPI refunds on credit cards so haven't much experience of how they will be dealt with.

Link to post
Share on other sites

Hi telrac:)

 

Providing your Loan Account isn't in arrears , I see no reason why you shouldn't ask for a cheque for repayment of PPI . If it is in arrears they may use the 'Right of Set-off ' to defray the arrears on the loan, which they are legally entitled to do.

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

I am in a similar situation, in that I had 3 Egg loans.

The first two were settled in full, and only the third one is still open, and is in arrears, and being repaid on a DMP (Egg have passed the loan onto 3rd party, and are no longer dealing with it).

 

Can someone clarify what rights I have in terms of having any succesful claims for PPI paid directly to me, and not to the current live loan which is in arrears?

 

I am thinking that at least they would have to refund the PPI + interest to me directly on the first two loans, as they are paid off, and completely seperate to the current loan. Is this correct?

Link to post
Share on other sites

Hi Troughmonster:)

 

I'm afraid that any money which is due to you can be used to off-set the debt on any other account which is in arrears (under the Right of Set-off )

 

Right of set-off ...............

 

http://www.financial-ombudsman.org.uk/publications/ombudsman-news/40/40_setoff.htm

 

There would be no harm in asking for your refund to be made by cheque - (if you get it you could always pay it into another bank ) , but I can't see them missing a chance to apply the R of S ...... :rolleyes:

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hi

 

thanks for the info.

 

Do I not have a right for them to put my loan accounts back as though the PPI had never existed? If so, surely they cannot offset what would be due to me from my first (and paid off) loan?

 

I do fully appreciate that any PPI on the current loan may be used to offset, but is it that simple for old loans that were settled?

Link to post
Share on other sites

My understanding of the R o S troughmonster , is that any money coming into any account for the same individual , is fair game .........

 

" A firm has this as a general right, whether or not it mentions the right in the account terms. So, in the examples above, the firm can transfer money from an account that is in credit in order to make payments due on another account. But it does not have to do this. "

 

It does not have to do this - :rolleyes: - but you can bet your PPI refund they will !

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hi All

 

Does anyone know if you are entitled to a PPI refund in cheque form when an account is not in arrears, default etc, i.e. when it's just a normal credit card ticking along, debits, credit, rip off interest blar blar etc??

 

or in all cases does it have to be offset against the balance of the credit card?

 

T :)

Link to post
Share on other sites

I am in a similar situation, in that I had 3 Egg loans.

The first two were settled in full, and only the third one is still open, and is in arrears, and being repaid on a DMP (Egg have passed the loan onto 3rd party, and are no longer dealing with it).

 

Can someone clarify what rights I have in terms of having any succesful claims for PPI paid directly to me, and not to the current live loan which is in arrears?

 

I am thinking that at least they would have to refund the PPI + interest to me directly on the first two loans, as they are paid off, and completely seperate to the current loan. Is this correct?

 

Troughmonster,

 

Can you please start your own thread that way it saves confusion in trying to follow all the cases and it complies with the site rules.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

Just click on the link put in a suitable heading that you can keep track of and post your questions.

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Hi All

 

Does anyone know if you are entitled to a PPI refund in cheque form when an account is not in arrears, default etc, i.e. when it's just a normal credit card ticking along, debits, credit, rip off interest blar blar etc??

 

or in all cases does it have to be offset against the balance of the credit card?

 

T :)

 

Trudy as with troughmonster previous post please start your own thread put in a suitable title it saves a lot of confusion in following individual cases and complies with the site rules.

 

http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=111

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Hi TrudyB , :)

 

If you look at the link I gave troughmonster you'll see that it says :

 

"The debt must be due and payable. For example, if a customer misses making a loan payment, then (at least until it calls in the loan) the firm can take only the missed payment – not the balance of the loan."

 

From that I read that even if your Credit Card was in arrears , they could only take the amount of the missed payments and would have to refund you the balance ...... the whole amount of your Credit Card is not 'due and payable' immediately ...... therefore you can ask for refund to be made by cheque....

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Hi TrudyB , :)

 

If you look at the link I gave troughmonster you'll see that it says :

 

"The debt must be due and payable. For example, if a customer misses making a loan payment, then (at least until it calls in the loan) the firm can take only the missed payment – not the balance of the loan."

 

From that I read that even if your Credit Card was in arrears , they could only take the amount of the missed payments and would have to refund you the balance ...... the whole amount of your Credit Card is not 'due and payable' immediately ...... therefore you can ask for refund to be made by cheque....

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

Oops Sorry , aa :oops: I didn't look back far enough - I thought this was Troughmonster's thread ......... another Senior Moment :D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

OK johnny,

 

It just makes life a little easier to keep track if everyone has their own thread otherwise folks will miss out on advice on their own plight:D

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

I know, and I've given the same advice myself a few times .....:oops::D

Nemo me impune lacessit

 

 

Advice & opinions given by johnnymitch are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

 

If you think I've helped you please feel free to tickle my star :-D

Link to post
Share on other sites

  • 1 month later...

Well, the inevitable has happened.. Egg have written acknowledging that ppi was missold and outlining the amount due to me which totals jsut over £4800.00. Happy days I thought - but no. This has been credited in full against the outstanding balance of my egg loan. I have never missed a payment or defaulted in any way and am hopping mad! I rang them and spoke to a manager (a first, normally can't get past the operator!) who says it is a 'business decision' and Egg's policy that if a refund is due and a loan still live they credit the rebate against the loan. I explained that the agreements are entirely separate, that they had agreed the amount of the loan and repayments and I have met these. Also that the PPI was a separate agreement, separate sum to be paid and separately detailed monthly repayments but she just repeated parrot - fashion that If I have a problem I need to contact the FOS but it was Egg's policy and in their terms and conditions! (how can you write in to T & C that if a policy ends up being shown as missold you will keep the money and credit to a loan account!!) I told them that I believe this is a further delay tactic to avoid paying out for another few months but may as well talk to the wall! I am now collecting all my correspondence, agreement etc and writing to FOS in strong terms - I wonder if I'll get my money by Christmas! Brings new meaning to the term 'hollow victory':mad:

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...