Northern Rock PPI Claim

[Jan4a]

Hi PF

 

Been meaning to thank you for your help so far now I've won but haven't seen you on for a wihle. Hope you and Ella OK.

 

Jan

[pompeyfaith]

Hiya Jan yes ive been absent 4 a few days due to getting depressed and stressed over my mbna/optima case there has been movement on this case an update to which i posted last night on thread HELP cant give u a link as my fone browser does not allow any TY and i will be back upto full speed so6n PF

[Jan4a]

OK, I'll have a look. I noticed a while ago Co-op was a nightmare for you as well.

[pompeyfaith]

yes jan but they i can handle as that is only a dispute between us over the correct refund but optima that is downright misconduct and a pack of lies where the court has been decieved its all from page 65

[Jan4a]

Hi

 

Thought this was sorted but its not!! Can anyone confirm I am right/wrong with following next step please.

 

I wrote to NR about a month ago telling them I wanted to see the agreement before I signed the form to get my money. I have not heard back from them despite writing again and chasing for reply. Other thing I mentioned was credit record - I asked to see a screenshot since putting my claim in to make sure they'd put me down as dispute not unpaid and this hadn't affected my credit record.

 

So now I'm thinking of going to Ombudsman - complaints are:

 

1. They are asking me to agree to sign a credit agreement I have not even seen before they will release my refunded PPI money. Do they owe me this money or not? Who said they could attach strings to it?

 

2. When I first reclaimed I told them that irrespective of whether they agreed the missell or not, the PPI was now cancelled and they therefore had 3 weeks to let me have the new figure minus PPI to enable me to make my next payment on time. They did not supply this and did in fact have their debt collections people chasing me. I told them the same by phone and in writing. I have never previously had a late or missed payment. As I was chasing them for a new figure from my initial reclaim lette and they did not supply this, then I do not see how they can affect my credit rating.

 

3. As they have ignored my letter for over a month I now want another month's 8% on what they owe me.

 

Please let me know if I've forgotten anything - and, is FOS where I should take this, or is it FSA as missell is agreed? They're just messing about trying not to pay out.

 

Thanks

Jan

[alanalana]

Hi

 

Thought this was sorted but its not!! Can anyone confirm I am right/wrong with following next step please.

 

I wrote to NR about a month ago telling them I wanted to see the agreement before I signed the form to get my money. I have not heard back from them despite writing again and chasing for reply. Other thing I mentioned was credit record - I asked to see a screenshot since putting my claim in to make sure they'd put me down as dispute not unpaid and this hadn't affected my credit record.

 

So now I'm thinking of going to Ombudsman - complaints are:

 

1. They are asking me to agree to sign a credit agreement I have not even seen before they will release my refunded PPI money. Do they owe me this money or not? Who said they could attach strings to it?

 

2. When I first reclaimed I told them that irrespective of whether they agreed the missell or not, the PPI was now cancelled and they therefore had 3 weeks to let me have the new figure minus PPI to enable me to make my next payment on time. They did not supply this and did in fact have their debt collections people chasing me. I told them the same by phone and in writing. I have never previously had a late or missed payment. As I was chasing them for a new figure from my initial reclaim lette and they did not supply this, then I do not see how they can affect my credit rating.

 

3. As they have ignored my letter for over a month I now want another month's 8% on what they owe me.

 

Please let me know if I've forgotten anything - and, is FOS where I should take this, or is it FSA as missell is agreed? They're just messing about trying not to pay out.

 

Thanks

Jan

 

Stick with the FOS they are swamped and will take time to resolve your complaint. However you must keep the FOS updated with all the correspondences sent both ways ie copies of all the letters you have.

 

There is no quick fix to the PPI mis-selling issue as I see it. The problem could well take years to resolve such is the magnitude of the mis-selling of PPI. Whatever you must keep up with the claims for mis-selling because believe me it was mis-sold to the tune of billions of ££££s

 

aa

[caro]

Hi Jan.

 

Was just looking for something on NR, when I came across your thread. What's the latest on this?

[Jan4a]

Hi Caro

 

I have been rubbish and haven't written to them/FOS yet. Balls in my court, they're in no rush cos they got my money. Might give them a quick ring soon and ask them what's happening. Either that or just go to FOS.

 

Maybe I should just get my money then go after them on credit rating afterwards.

 

Need to make a decision ..............

 

Jan

[caro]

The credit rating issue is incredibly hard to resolve, especially if not included as part of your claim. I wouldn't bother with phone calls unless you can record them. Much better to keep everything in writing.

[Jan4a]

Hi Caro

 

Thanks to your nudge (and being bored cos snowed in) I finally got back on to this today - sent them yet another letter, at least it will prove to FOS they've been using delaying tactics if it gets that far but I'm trying to avoid them as they take ages. And you're right, need the credit rating sorting before I accept money.

 

Don't know too much about credit ratings - will it make much difference if they put me down as missed payments for 3 months instead of disputed? My credit rating has always been good.

 

I've even done my first PPI reclaim letter to Barclaycard today - aren't I good! Just hope can get Post Office tomorrow to send them recorded.

 

Jan

[caro]

These snow days have their uses Jan. lol. Well done.

 

I think it could well damage your rating if it's put as 3 missed payments. Have you checked your credit files since missing payments? Might be worth seeing what's going on with them to make sure they're still ok.

[Jan4a]

No I haven't. I'll figure out how to do it later - going Post Office now before we get more snow and its shuts again. They promised another heavy snowfall last night but it hasn't materialised yet - fingers crossed!!