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claim_monkey

"Take the PPI or no loan"

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Hi all,

 

I hope you can help. Last year around April I started to enquire about PPI I was sold on a loan on the understanding that if I didnt take the PPI I wouldnt get the loan. I contacted the bank and told them of this. They claim to have checked back over phone logs and found no record of my conversation with the phone assistant and would therefore take no further action. I was given 6 months to continue my complaint/ appeal their decision before the issue would be permanently closed.

 

Unfortunately I moved house and began a new job shortly after and all my copies of the correspondance got lost in the move. I've been pretty focussed on work since and this has slipped to the back of my mind until a recent conversation with a claim company who said the bank had no right to decide when to close the issue and I could still claim...

 

Does anyone know if this is true? Did the bank actualy just bluff me?

 

The claim company in question take a 30% fee (no win no fee) for getting the money back on my behalf... I think I would be around £600 better off by doing it myself if that is still an option?

 

The bank in question is EGG

 

Any advice appreciated...

 

Cheers

 

Claim Monkey

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Hi all,

 

I hope you can help. Last year around April I started to enquire about PPI I was sold on a loan on the understanding that if I didnt take the PPI I wouldnt get the loan. (this is mis-selling - see the links below) I contacted the bank and told them of this. They claim to have checked back over phone logs and found no record of my conversation with the phone assistant and would therefore take no further action. I was given 6 months to continue my complaint/ appeal their decision before the issue would be permanently closed. (this may have adverse effects on your claim as they could use this to fight off any claim submitted to the FOS, however if you have extenuating circumstances the FOS may be able to do something for you. There are links to the FOS in the second link below)

Unfortunately I moved house and began a new job shortly after and all my copies of the correspondance got lost in the move. I've been pretty focussed on work since and this has slipped to the back of my mind until a recent conversation with a claim company who said the bank had no right to decide when to close the issue and I could still claim...

 

Does anyone know if this is true? Did the bank actualy just bluff me?

 

A question I cannot answer as it would be pure supposition.

 

The claim company in question take a 30% fee (no win no fee) for getting the money back on my behalf... I think I would be around £600 better off by doing it myself if that is still an option? ( Your choice read up and the decision must be yours and yours alone)

 

The bank in question is EGG

 

Any advice appreciated...

 

Cheers

 

Claim Monkey

 

Please read all the stickies at the top of the forum there is much information on PPI mis-selling which will, give you an insight into the scale of PPI mis-selling.

PPI - Some Notes for Claimants..

 

Mis-sold PPI? Want your money back? use these links to help

 

within the second link are tons more links have a trawl through them and learn. There is no quick fix on PPI reclaiming it will take a long time.

 

However the odds are very good on a success :)

 

see this link on egg it may help you.....Egg

 

 

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.

 

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