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landy_alert

Landy v Direct Line PPI **WON**

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3583 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

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Hi everyone:)

 

I am just about to start yet another PPI claim for a very old settled Direct Line loan. This was taken out in 1999 and settled before the 5 year term was up in 2002.

 

At the time of taking it out Mr L and I were advised that because we didn't own a property at that time (we were temporarily living in a property owned by my parents) we were not a good security risk so we would have to take out the PPI.

 

The thing I need to check is the address for sending the prelim. I understand it needs to go to RBS - the address I have is -

 

Royal Bank of Scotland

Customer Relations

Customer Central Support

First Floor

The Forthstone

56 South Gyle Crescent

Edinburgh

EH12 9LE

 

Can anyone confirm whether this is correct please:)

 

Many thanks,

 

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

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Hello

 

I have sent all my claims to this address below (the office was set up specifically to deal with all PPI claims under the RBS umbrella ie RBS, Natwest, Direct Line & Lombard Direct:

 

RBS PPI Customer Services Team

5th Floor

1 Hardman Boulevard

Manchester

M3 3AQ

 

Good luck, hope you get sorted soon. RBS do take their time, normally past the 8 week period allowed by the FOS but they do keep you up to date by letter.

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Hi dec22:)

 

Many thanks for the address - most helpful!

 

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

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Hiya Landy,

 

Fire away:D


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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Hi PF, if you're about:)

 

Carrying on from what I was saying on Tink's thread -

 

I was wrong - I have added contractual interest onto previous claims, what I meant to say was that when I first started doing these reclaims I used the excel PPI speadsheets rather than the compound interest calculator. I was then pointed in the direction of the same one Tink was using by the shadow, who apparently got it from noomill;)

 

What I hadn't been doing was adding the extra 8% on top as I mistakenly believed this only got added if/when it went to court and that at the initial stage you could only ask for one or the other but not both.

 

The last few I have done I have amended this error.

 

However this Direct Line one is the first Single Premium one I've tackled since (the others were credit cards).

 

The problem I have is that the upfront premium (£1354.55) when having had both compound interest (11.6%) and s69 interest added becomes a whopping £7498.65:eek:

 

The date of this premium was 1/12/99 so it is from rather a long time ago which does clock up rather a lot of interest, but it just seems too much!

 

Am I doing something wrong do you think?

 

Any help would be greatly appreciated PF, thank you:D

 

Regards,

 

Landy x

 

PS I take it there was no good news in the post today?


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

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Hiya Landy,

 

No i dont think you are wrong I too have one from march 1999 for £1,064.64 and that comes out at £6,128.67.

 

So on that basis as yours is some £300 higher id say it looks right to me.

 

If you want to supply the figures though i can work it out for you just to be sure.

 

Regards

 

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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Landy no news as yet and yes im now getting impatient lol

 

If nothing arrives in the morning i will phone the FOS to find out what the hold up is.

 

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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Hiya Landy,

 

No i dont think you are wrong I too have one from march 1999 for £1,064.64 and that comes out at £6,128.67.

 

So on that basis as yours is some £300 higher id say it looks right to me.

 

If you want to supply the figures though i can work it out for you just to be sure.

 

Regards

 

 

 

Hi PF:)

 

Well as yours sounds similar I can't be wrong then - goodness DL/RBS are going to be in for a shock when they get my prelim:eek:

 

Don't worry about looking at the figures - thank you very much for the offer though - I used the same calculators as you and now you've confirmed that for me I'm sure it's fine!

 

Don't know how you're managing to sleep at night with the anticipation of what the postie will bring - hope it turns up tomorrow!

 

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

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Hi everyone:)

 

Request for refund of mis-sold PPI now sent to RBS/Direct Line via RM recorded delivery.

 

Will update when a response is received.

 

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

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good luck Landy with this and indeed all your claims 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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good luck Landy with this and indeed all your claims PF

 

Hi PF:)

 

Thank you for your good wishes - but more importantly have you heard anything yet?

 

The suspense is killing me, so god knows how you're coping:D

 

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

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Hi everyone:)

 

Just an update to say the the RBS PPI team have responded to my letter saying they hope to get a reply to me within 4 weeks etc etc......so another one off the starting blocks:D

 

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

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Hi PF:)

 

Thank you for your good wishes - but more importantly have you heard anything yet?

 

The suspense is killing me, so god knows how you're coping:D

 

Regards,

 

Landy x

 

I think the suspense is killing us all :D Perhaps we should take up a petition on PF's behalf, adivising the FOS/Co-op they will be responsible for a mass murder investigation if they dont get their finger out :rolleyes:


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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lol im half dead already with the wait i tried the fone this morning got my self all pumped up from 7am waited 4 there fone to answer then the wife tells me its bank holiday DAMM


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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lol im half dead already with the wait i tried the fone this morning got my self all pumped up from 7am waited 4 there fone to answer then the wife tells me its bank holiday DAMM

 

Not until Monday it isnt ??... dont tell me they have the bliddy day off today as well ??


Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb 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.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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I think the suspense is killing us all :D Perhaps we should take up a petition on PF's behalf, adivising the FOS/Co-op they will be responsible for a mass murder investigation if they dont get their finger out :rolleyes:

 

Sounds like a great idea to me citB:D


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

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lol im half dead already with the wait i tried the fone this morning got my self all pumped up from 7am waited 4 there fone to answer then the wife tells me its bank holiday DAMM

 

PF it's really appalling that they're making you wait this long - are they really off today as well as monday though - blooming part-timers:confused:


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

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thanks 4 that because i got no answer after 10 mins on the line my wife asumed it was a bank holiday i will try again 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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Hi everyone:)

 

Just updating this thread -

 

Since sending my initial request for a PPI refund in August on this old long-settled loan I have had three replies back from the RBS PPI team. The last of these (in early October) said that as their investigations were taking longer than expected I could now take this complaint to the FOS. As I was juggling several other complaints (and have 6 already with the FOS:() I left this one on the back-burner for a while and thought that as RBS have played ball so far they would come back with a refund offer.....I know, I know - wishful thinking!

 

Having heard nothing by early November I sent a chasing letter (via recorded delivery of course), but have received no response, so today I am preparing copies of all paperwork to send to the FOS and will get the complaint off tomorrow. I was really hoping to get this one sorted without FOS intervention - and a cheque banked before Christmas.......probably be Christmas 2011 before its resolved now:(

 

Will update when further developments occur.

 

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

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Hi everyone:)

 

Just updating this thread -

 

Since sending my initial request for a PPI refund in August on this old long-settled loan I have had three replies back from the RBS PPI team. The last of these (in early October) said that as their investigations were taking longer than expected I could now take this complaint to the FOS. As I was juggling several other complaints (and have 6 already with the FOS:() I left this one on the back-burner for a while and thought that as RBS have played ball so far they would come back with a refund offer.....I know, I know - wishful thinking!

 

Having heard nothing by early November I sent a chasing letter (via recorded delivery of course), but have received no response, so today I am preparing copies of all paperwork to send to the FOS and will get the complaint off tomorrow. I was really hoping to get this one sorted without FOS intervention - and a cheque banked before Christmas.......probably be Christmas 2011 before its resolved now:(

 

Will update when further developments occur.

 

Regards,

 

Landy x

 

I know it is better to keep everything in writing but have you tried rininging the number on the letter. The same thing happened with my husband's claim, they resolved one but forgot about the other two. We sent 2 letter to which there was no repsonse but following the telephone call, it was refunded within a month.

 

Worth a try and the send to the FOS. I have a settled Direct Line claim with the FOS, been there since Feb 2009, still waiting for an adjudicator.

 

Good luck, keep us posted.

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I know it is better to keep everything in writing but have you tried rininging the number on the letter. The same thing happened with my husband's claim, they resolved one but forgot about the other two. We sent 2 letter to which there was no repsonse but following the telephone call, it was refunded within a month.

 

Worth a try and the send to the FOS. I have a settled Direct Line claim with the FOS, been there since Feb 2009, still waiting for an adjudicator.

 

Good luck, keep us posted.

 

Hi dec22:)

 

Thanks for your advice. I agree, usually it is best to have a paper trail, but I may just do as you suggest and give them a call tomorrow before sending our paperwork to the FOS - giving them one last chance to redeem themselves. I will of course insist that anything they say is confirmed in writing and will let you know how I get on!

 

Thanks again and good luck with yours too:D

 

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

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Hi everyone:)

 

Well I called the RBS PPI team today and was told my complaint had been passed to someone further up the ladder - their version of an adjudicator. I was put through to him and he said he is just about to go through my file and will get a response out to me by the end of this week...........so I will give them the benefit of the doubt and hold fire with the FOS complaint until this is received.

 

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

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Hi everyone:)

 

Well I called the RBS PPI team today and was told my complaint had been passed to someone further up the ladder - their version of an adjudicator. I was put through to him and he said he is just about to go through my file and will get a response out to me by the end of this week...........so I will give them the benefit of the doubt and hold fire with the FOS complaint until this is received.

 

Regards,

 

Landy x

 

Fingers crossed it is a positive response, sometimes a call gees them up a bit!!

 

Good luck!!

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Hi everyone:)

 

It's ten days today since I called the RBS PPI team and was assured they would get a reply to me regarding this claim by the end of the week (last week). I know the post is erratic at this time of year - we had no mail for three days this week, then an absolute deluge today - but they have had 4 months now to sort this out.

 

So I have copied all relevant docs, have the FOS complaint form in front of me now and will get it sent off tomorrow;)

 

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

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Hi everyone:)

 

It's ten days today since I called the RBS PPI team and was assured they would get a reply to me regarding this claim by the end of the week (last week). I know the post is erratic at this time of year - we had no mail for three days this week, then an absolute deluge today - but they have had 4 months now to sort this out.

 

So I have copied all relevant docs, have the FOS complaint form in front of me now and will get it sent off tomorrow;)

 

Regards,

 

Landy x

 

Hey Landy this was my fight with Direct line financial services now belonging to RBS there may be stuff in my thread that will help you. It is long 12 months worth but you will have some fun going through it :D

 

aa

***RBS PPI Claim Long fight but, WON*** - The Consumer Forums


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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