Success Against First Plus

[rkm123]

Hi

 

I came on this site just a year ago in a dreadul state of stress having uncovered the truth about our PPI.

 

I just wanted to let you all know that following my referral of the case to the Ombudsman FP agreed to settle and put me back in the position had I not taken the PPI. They have today sent me a cheque for the PPI payments made and a cheque for the 8% interest on said payments. They have also credited the loan with the PPI amount taken and also the interest paid on this.

 

Over the last year I have also claimed back two lots of credit card charges against MBNA, have a claim in against Egg card for PPI and another PPI for FP but through Freedom Finance. My eyes have truly been opened to the sneakiness of these companies and also my gullability.

 

All these claims and successes have stemmed from the encouragement and reassurances given in those early days not only on this site but also MSE and FP Complaints. I truly was at my wits end and have suffered a deep depression over the last 12 months due to the stress.

 

I just wanted to say thank you to those who responded to me for their time and the encouragement and reassurance given, it really did mean a lot.

[postggj]

Just Posting Those Words Makes Cag Worth It

 

Many Congrats

[rkm123]

Oh eck - I'm back already with a question!

 

Letter dated 21st December came yesterday. Says to confirm ppi now cancelled, full breakdown of refund and cheques.

 

Today letter arrives saying date of amended payment for loan only starts 1.2.10.

 

In the meantime on 4.1.10 my monthly payment was taken including the PPI part... I have called them this morning to get it back but they say it's right as new payment doesn't take effect until 1.02.10.

 

Am I right or are they?

 

Thanks

[alanalana]

Oh eck - I'm back already with a question!

 

Letter dated 21st December came yesterday. Says to confirm ppi now cancelled, full breakdown of refund and cheques.

 

Today letter arrives saying date of amended payment for loan only starts 1.2.10.

 

In the meantime on 4.1.10 my monthly payment was taken including the PPI part... I have called them this morning to get it back but they say it's right as new payment doesn't take effect until 1.02.10.

 

Am I right or are they?

 

Thanks

 

Fight it tell them this is unfair and you will submit another complaint to the FOS unless they re-adjust the ppi for January.

 

Tell them that you are serious about this having had a FOS adjudication and the PPI cancelled.

 

Point out that a further complaint will result in a further £500 fee to the Ombudsman

 

Then sit back and see what they say

 

aa

[rkm123]

Hi, thank you for your help. Does this sound ok?

 

Further to my telephone conversation with one of your Staff today, I write to confirm the following.

 

Following my complaint to the FSO, I am in receipt of your letter dated 21/12/09 which gives me a breakdown of the full refund of the PPI and interest on the above account and also confirms the cancellation of the PPI. The refunds were made by cheque and included with this letter.

 

I am also in receipt of your letter dated 04/01/2010 advising me that the refunds have now been completed and of the new loan payment amount with effect from 1/2/10.

 

However, on the 4/1/10 you took the monthly direct debit for my loan payment as normal but you took the PPI payment amount as well. I believe that you should not have taken this PPI payment as you had already cancelled the PPI policy on 21/12/09 and refunded me in full.

 

 

I would like a full refund of this PPI payment taken on 4/1/10. If I do not receive a full refund within 14 days, I shall have no hesitation in filing another complaint with Ombudsman which I believe will result in another £500 fee to yourselves.

I look forward to your early settlement of this matter.

 

Thanks in advance, RKM