K+co Cat, PPI REclaim - success thro CEO Letter **WON**

[Glassart]

Hi dx,

 

Blast it!, I posted it already "Financial Statement and payment offer to Arrears Collection Department" will it matter?.

 

Regards J.T

[dx100uk]

if your reclaims are more than your owing ignore them

 

no matter, no harm done

 

dx

[Glassart]

Hi dx,

 

Can I just check with you again does the below matter to my claim?. This was in 2010.

 

"My wife reminded me that after I canceled my account cover plus (PPI) as it was making the repayments so high I phoned the insurer to see I had been miss sold the account cover plus insurance, I was on Incapacity Benefit at the time, they told me I had not been miss-sold the insurance as they would have paid up if I had to stay in hospital, so I believed them and did not take it further.".

 

Regards J.T

 

AS I FOUND THIS POST ONLINE

You have to make your claim to the FOS no more than 6 months after you first complained to the company.You also have to have complained to the FOS no more than three years from the time that you could reasonably have been expected to have been aware that you had been mis-sold the insurance.

 

is this correct?

[dx100uk]

there is no time limit on ppi reclaims

 

you are not? involving the fos

 

you are just using their guidance forms

 

as has already been said

 

stop over complicating this reclaim

 

get it in!

 

dx

[Glassart]

Thanks dx,

 

it's already on it's way to them.

 

Regards J.T

[gezwee]

Thank goodness for that ...... lol

 

Don't forget they have only 8 weeks to respond, unless they've jumped on the 16 week bandwagon. If they quote 16 weeks to you in their initial response check with the Fos to make sure you're not being fed a line.

 

The Fos generated forms you used will simplify your complaint going forward if K & co ignore you or stall on restitution. They can be bundled up and passed to the Fos at a future date if necessary without going through the whole complaint & calculation process again.

 

Gez

[Glassart]

Hi Gez,

 

 

 

Thank you,

 

 

 

I know I have been double checking everything with you all twice and I don't mean to over complicate it all I just don't won't to stuff it up and give the PPI a way out through a mistake that I make, as I got my family in this debt in the first place and it is such a burden on us all, I have been like a fish on a hook when my family needed anything the only place I could go for it was back to this Creditor.

 

 

 

Regards J.T

[gezwee]

Hi Gez,

 

 

 

Thank you,

 

 

 

I know I have been double checking everything with you all twice and I don't mean to over complicate it all I just don't won't to stuff it up and give the PPI a way out through a mistake that I make, as I got my family in this debt in the first place and it is such a burden on us all, I have been like a fish on a hook when my family needed anything the only place I could go for it was back to this Creditor.

 

 

 

Regards J.T

 

Not to worry, and its not a debt you've got yourself into..... you've been induced into buying a service that was never going to be of benefit to you. I'd prefer to consider it a savings plan, where else can you get an 8% return on YOUR money

 

Gez

[Glassart]

LoL.

[gezwee]

That's the idea...... laughing all the way to the bank ;-)

 

If you get stuck with this later on [give it a while] and don't seem to be making any progress post again on here and one of us will come back to take a look.

 

Let us know how you get on though, does everyone a bit of good to see a thread title changed to 'WON'

 

Gez

[Glassart]

Hi Gez,

 

I will for sure.

 

Regards J.T

[Glassart]

Hi Gez, dx, ims,

 

 

 

Just to keep you informed about the PPI Claim Royal Mail say: Item AIXXXXXXXXGB was posted at P/O on 27/08/11 and is being progressed through our network for delivery. so not much happening as yet with that one.

 

 

As for the Financial statement posted the same day as the above, Royal Mail say: Your item with reference AIXXXXXXXOGB was delivered from our xxxxx Delivery Office on 31/08/11. Trust them to get that one fast. LOL.

 

 

 

 

 

Can you please advise me what to do if anything regarding this letter received today "Notice of Sum of Arrears" See Attached File.

 

 

Regards J.T

Untitled-1.pdf

[gezwee]

Typical that refund claims tend to get delivered unsigned for...... don't get sending another copy just yet, give it a few days and give them a bell to see if they are progressing your claim. You'll soon find out if it's been receipted. 'If' it turns out that it's still undelivered and you receive no ack letter from them it may be best to send another copy next day special, postage charge is about a fiver but they don't get them without a signature.

 

As for the template...... its a requirement to notify you, does not mean its accurate just a legitimate notice. File it with the rest of your K&co paperwork

 

Gez

[Glassart]

Hi Gez,

 

Thank you for the quick response.

 

Regards J.T

[dx100uk]

those sum oft arrears are just the letter they have to send if the levy an unlawful fee

 

get it back!

 

add it to your Fees soc.

 

dx

[Glassart]

Hi dx,

 

Thank you,

 

As far as I know the only charges/fees I have so far are £12.00, So I will start to make an SOC now BUT will I have to do another each time they add more charges/fees to my Acc and get that of to them each time with a Cover Letter?.

 

Regards J.T

[dx100uk]

wasnt sure if you had a charges soc already running

 

let them mount for now

 

dx

[Glassart]

Hi dx,

 

Thank you, Can you tell me is there a cover letter just for charges/fees?.

 

Regards J.T

 

PS IT'S OK FOUND IT NOW

Edited September 3, 2011 by Glassart

[dx100uk]

as such no

but try the green library top left

 

you should really refrain from using 'template' letter where possible too

dx

[Glassart]

Ok dx,

 

Thank you.

[Glassart]

Hi,

 

 

Would this do the job ok?.

 

 

 

The Complaints Department

K and co

1st Floor, Skyways House

Speke Road

Speke

Liverpool

L70 1AB.

 

3/9/2011

 

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx.

 

The fees which you have been applying to my account in relation to late fees and over limit charges, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I calculate that you have taken to date a total of £XXX.00. in penalty charges which you had applied unlawfully to my account.

 

I require repayment in full of this money If you do not comply fully within 14 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice.

 

Yours faithfully,

 

J.T

 

[dx100uk]

i would leave the LBA threat out for now

 

dont forget to inc an SOC and charge them at THEIR int rate too

 

dx

[Glassart]

Hi dx,

 

ok now?.

 

 

 

The Complaints Department

K and co

1st Floor, Skyways House

Speke Road

Speke

Liverpool

L70 1AB.

 

3/9/2011

 

 

Dear Sir/Madam,

 

ACCOUNT NUMBER: xxxxxxxxx.

 

The fees which you have been applying to my account in relation to late fees and insufficient payment charges, are unlawful at Common Law, Statute and recent Consumer regulations.

 

I calculate that you have taken to date a total of £XXX.00. in penalty charges which you had applied unlawfully to my account.

 

I require repayment in full of this money plus interest.

 

Yours faithfully,

 

J.T

 

Hi Again,

 

 

 

Are insufficient payment charges unlawful. I.E. if you don't pay your full monthly payment ?.

 

Also do I send a consumer-questionnaire with the charges fees cover letter & spreadsheet.

 

 

 

Regards J.T

[gezwee]

Yes........ but don't get too bogged down with the detail of this yet. Prioritise your claim for PPI refund then we can move on to the reclaim of charges.

 

Spend some time reading other Kays/Shop Direct threads on here and you'll gain an understanding of why their fees/charges are unlawful.

 

Gez

[ims21]

Hi

 

As gez says, the charges claim is different to the ppi claim and the process of reclaim is different as well.

 

For the charges you won't need any consumer questionnaire....that applies to ppi claims. You will need a spreadsheet though.

 

As advised, do some research in order that you become familiar with the process of each type of claim.

 

Regards

 

ims