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PPI reclaim loans.co.uk future mortgages [citi group] - FOS taking ages

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We have a complaint for mis sold ppi against a secured loan we took out in april 2004.

 

It has been in the hands of the FOS since february 2010.

 

We get regular letters from the FOS every 3 months but they all say pretty much the same thing.

 

They keep going on about looking into relationships between the ppi underwriter and the company that provided the loan

or the company that sold us the product (presumably because we used a broker to find us a loan).

 

The ppi was added to the loan at the begining and from what ive read on this forum

and other places this type of ppi is resulting in lenders practically giving customers theyre money back without any hassle.

 

This time delay is begining to fill us with doubt as to whether the complaint will be upheld.

 

Anyone got any views on this one ???

 

Need any more info please just ask thanks in advance.

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If it is with fos there is unlikely to be a quick resolution by them. Waiting game sadly.


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surely though the fos should more or less be looking at complaints on a first come first served basis ??? Is almost 2.5 years not a little excessive ???

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why did you go for the broker?

 

dx


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Yep they run to their own timescales.

 

Have you put any pressure on them to get a resolution? If not then send them regular reminder letters.

 

May not make them move any faster but at least you know that you are trying.

 

You could also lodge a complaint with the actual Ombudsman telling them that their staff are taking an unreasonable amount of time to resolve the issue.

 

Again, it may not make any difference but it may make you feel better.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

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I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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Cant believe your claim is since 2010.

What a load of rubbish. They are absolutley rubbish. I was going to esculate my claim from Cap One to the FOS but what a waste of time. The banks and credit cards still do what they want with us. If they ignore you when you send the Q what else can you do. When you contact these people they just igonre you anyway, total waste of time!

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2.5 years isnt there a timescale for the FOS to reply check the law.The guidelines are usually statutes.

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As I often say "pity there isn't an ombudsman ombudsman!!!"

 

I find it entirely pathetic especially when the ABI recently denied that there were more complaints being made due to insurers continuing to deal with claims reasonably!!

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Thanks for the replys.

 

In response to your question dx100uk im not 100% sure the omdusman are going after the broker.

 

We were initially approached by a claims handling company called ".........." in the summer of 2009.

 

A rep called to our house to look over our documentation, to be honest he did not seem interested in the brokers paperwork (loans.co.uk)

he was more interested in the paperwork of the lender (future mortgages) part of the citi group.

 

As far as i am aware the claim company only ever complained to future mortgages who duly told them to go away.

 

in jan 2010 we received what i assume is a standard fos complaint form filled in by ..........for us to check over.

 

We returned this to .......who submitted it to the fos in feb 2010. So im really not sure if fos are aware we used loans.co.uk as a broker ???

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In light of my explanation in the above post does anyone have any thoughts ???

 

Have we possibly gone about our complaint the wrong way ???

 

Possibly to the wrong people ???

 

Could this be a reasoning behind the delay at the fos ???

 

Is there not set in stone procedures of who a mis selling complaint should be directed at e,g broker, lender or underwriter.

 

To be honest

i do understand a fair bit about ppi mis selling but it also seems that in some instances it can get fairly complicated also.

 

Looks like mine may be one of the complicated ones :

Edited by dx100uk
CMC adverts removed

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No there is no limit.

 

Don't believe all that you hear or read from these claims companies.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

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my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

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Dunno about a maximum - but someone on here got 65,000 from a ppi claim. Pretty canny, huh?

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Thanks for the replys ims21 and gazette.

 

Either of you got any views on my questions in post 10 ???

 

I really am at a loss as to why my complaint is taking so long with the fos //

I know they are busy but 2.5 years busy ???

 

My ppi was added to my loan as a single premium at the begining and i thought this type of mis selling almost always resulted in an uphold ???

 

Any further info required just ask thanks.

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Have you chased up fos as I indicated earlier?

 

You need to put some pressure on them to give you a detailed explanation as to where the case is at this time and also ask why it is taking so long.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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In light of my explanation in the above post does anyone have any thoughts ???

Have we possibly gone about our complaint the wrong way ??? - poss

Possibly to the wrong people ??? - poss

Could this be a reasoning behind the delay at the fos ??? - poss

Is there not set in stone procedures of who a mis selling complaint should be directed at e,g broker, lender or underwriter.

 

To be honest i do understand a fair bit about ppi mis selling but it also seems that in some instances it can get fairly complicated also.

Looks like mine may be one of the complicated ones :-)

 

IMHO

 

if you have NEVER sent a ppi reclaim to the MORTGAGE COMPANY

then put in a separate new claim.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Post number 9 has been altered removing the name of the claim handling company we were using !!!

 

Has this been done on purpose by someone and for some particular reason ???

 

Im guessing yes and as such should not mention them by name again ???

 

Anyone confirm thanks..

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yes sorry

 

my edit note is not showing

 

better not to give them free adverts eh?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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