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hi, recieved a letter from hbos today regarding 3 loans, 1 present and 2 settled.

they are going to pay an amount and put me back in a position i would have been in had i not taken out the insurance. The total including interest is £7159.

 

sorry for bein a dumb ass but does this mean i get it all back or do they alter the amount depending on how long the loan was active before being settled?

all 3 were single premiums by the way,

i am not in arrears in the current loan so hopefully all the pennies will get put into my bank:)

Edited by gtgiggs
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Firstly Well Done

 

Now I have heard of many cases where they offset the amount against any other Loan.

 

This should not happen as being put back in the position you would have been would mean that this money was in your pocket and not theirs.

 

Also it can be argued that the PPI is not part of the Loan so should not be used it offset this.

 

I would also point out that in all cases that the FOS deal with the money goes to the consumer.

 

PF

If I have been of help to you please feel free to click my scales to the left Thanks.:)

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

 

Finally if you succeed with your claim please consider a donation to consumer action group as those donations keep this site alive.

 

CARTER V Co-Op

BANK CHARGES

REFUNDED £3567

 

POMPEYFAITH V Co-Op PPI

OFFER MADE BUT REFUSED

ONGOING AND STILL ONGOING

NOW WITH THE OMBUDSMAN

 

R.I.P BOB aka ROOSTER-UK you have always been a Gent on these boards and you will be remembered for that.

 

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lets hope they dont be funny buggers lol.

it states in the letter that if you are in arrears then the redress will be used to reduce or clear the arrears,

my loan aint in arrears so hopefully its going to come my way. they say that they anticipate the payment will be within the next month but knowing hbos i dont believe that, it was a long 8 weeks but the outcome was sound.

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can i ask how old were these a/c's, not past 6yrs were they?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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i'm just trying to get ppi back further than 6yrs with another bank

they;re wriggling !

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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