Lloyds credit card with PPI and Marlin Europe

[Nath123]

Double checked and its definitly a pre entered "X" from a computer not by hand.

 

Whats next?

 

Thanks

Nathan

[dx100uk]

ok you need to do the claim properly.

 

have you all the statements?

so you should have details of every PPI Payment?

 

dx

[Nath123]

Yes thats right.

[dx100uk]

ok fill out the FOSCISHEET SOC here:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

the FOS CQ here:

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

and the credit card complaint letter from the library top green tab this page

 

there only real thing you need to refer to is the agreement had a pre ticked PPI box.

 

use THEIR int rate on the SOC

 

dx

[Nath123]

I'm just filling out the CC complaint letter.

 

Its asking for me to describe what happened when I took out the PPI, shall I describe the whole i was told i was covered for being self employed or just state I didnt know I was buying it and they pre entered a "X" in the box?

 

 

EDIT* -> Also which intrest rate do I enter? Is it the Intrest rate on the CC statements at the time?

 

Thanks

Nathan

Edited January 21, 2013 by Nath123

[dx100uk]

the X bit,

 

having just investigated after finding out about PPI reclaiming in the media

 

you were told it was compulsory

 

the tick was already there [it is typed]

 

cant say you didn't know about it though

 

as you say earlier

In 2006 I had a credit card with Lloyds with PPI, I went to claim

 

use their lastest int rate.

 

dx

[Nath123]

Hi,

 

I'm just finalising a few things before sending. The Foscisheet only has PPI payments on it or does this also include Late charges applied to this account, please not Late charges only incured since I stopped making payments due to mis sold PPI.

 

*EDIT

 

Also within the credit card default library letter I take it that I am just quoting the fees in late charges that they have taken with the current intrest rate of 17.9% if I am right?

 

I am sending the Credit card default to TSB but what about the foscisheet?

 

Thanks

Nathan

Edited January 31, 2013 by Nath123

[Nath123]

***

[dx100uk]

all three to the OC

 

SOC + FOS CQ+Covering letter

 

dx

[Nath123]

Oc?

 

What about the amounts that need entering into the foscisheet and default library letter.

 

You will have to excuse me I'm not up on the abbreviations.

[dx100uk]

oc = original creditor

 

foscisheet = its a PPI reclaim [only]

 

there is nowt to stop you doing an additional sheet for the charges though!

 

in the green library tab top left

you will find a covering letter for Credit card PENALTY charges reclaiming.

 

as for the PPI covering letter.

 

The Complaints Department

[Lender’s address]

[Date]

Dear Sir/Madam,

Ref – policy number

I believe I have been mis-sold a payment protection insurance policy and would like to request a full refund of my premiums, plus interest paid.

I took out a £xxx loan/credit card at your [branch name] branch on [date] and also bought a payment protection policy which would cost me an extra £xxx over the life of the loan. [The name of the salesperson who sold me the policy is …] The total amount of my premiums plus interest is £ xxxx.

When I took out the loan, I was told that my application would be refused if I did not also buy a PPI policy. The Financial Services Authority’s advice to consumers is that, while it does not breach FSA guidelines, a borrower should not be refused a loan if they choose not to buy an insurance policy.

Possible additional paragraphs – include any which apply to you

[i also told your salesperson that I had adequate insurance cover through a separate income protection policy.]

 

[i said I did not need the PPI as my employer provides a generous illness and redundancy package.]

[You are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in the quoted interest rate, which you did not do.]

[in forcing me to buy this policy, you have also breached paragraph 8.6 of the Banking Code, to which you are a signatory.]

I do not believe being forced to buy this policy as part of the loan was a fair and reasonable obligation as I did not need this insurance and said at the time of taking the loan that I did not want it.

I am requesting a full refund of all my insurance payments, plus interest, which total [£ xxx].

If I do not receive a favourable response from you I will pursue this claim through the Financial Ombudsman.

Yours faithfully,

 

 

or

 

 

Dear Sir or Madam,

Re:

 

I am writing in relation to the above payment protection (PPI) policy which i believe was mis-sold to me in relation to my

I believe you have not treated me fairly for the following reasons;

· The PPI was added without my knowledge..

· You have been punished by the Financial Services Authority for failing to treat customers fairly and I do not believe that the PPI I bought was sold in my best interest.

Unless you can prove that the policy was fair and reasonable and that I was treated fairly when I was sold the insurance, I demand a full refund of all premiums, and subsequent interest on these payments, that I have paid in relation to this policy. I also expect 8% interest to be added to each payment I have made as this is the statutory amount a court would pay.

I look forward to your full and prompt response to this letter. If this matter is not settled within eight weeks of this letter I shall be contacting the Financial Ombudsman to investigate my complaint.

This letter is in respect of the above account that was issued by

Yours faithfully

 

 

dx

[Nath123]

Hi,

 

Both Marlin & Lloyds have added fresh defaults onto my credit file.

 

The last I knew they was meant to be processing the letters I had sent.

 

Can I please just confirm which letters and which details it is that I'm meant to be sending.

 

Compound Intrerest Calculator with the PPI Charges and Late Payment Charges at the current APR rate.

 

Credit Card Default complaint letter, which figures should I be entering?

 

Sorry for the abrupt response but I can only imagine this has happened because the letters may have been wrong?

 

Nathan

[dickster 60]

royal mail guarantee to deliver 2nd class mail i three working days,lloyds sent me a final response letter out on the 18th march received it today 8th april conclusion they keep them back left on the desk it is called delaying tactics

[Nath123]

I understand that I'm just not happy that both companies have felt the need to put defaults on my file yet again.

[dx100uk]

doesn't really make any odds

 

it cant change the default date.

unless they are ofcourse adding PENALTY fees

 

dx

[Nath123]

Can someone please just confirm the address all this has to be sent to?

 

Thanks

[Nath123]

Also as for the Defaults that they have added heres the info.

 

LLOYDS TSB BANK Current Account Default Satisfied 03/08/2008

MARLIN FINANCIAL Credit card / S... Default £2,462 24/02/2013

LLOYDS TSB BANK Credit card / S... Default Satisfied 02/12/2012

[Nath123]

Anyone?

[dx100uk]

[quote=Nath123;4205699

]Also as for the Defaults that they have added heres the info.

 

LLOYDS TSB BANK Current Account Default Satisfied 03/08/2008 [account vanishes 3/8/14 then]

MARLIN FINANCIAL Credit card / S... Default £2,462 24/02/2013 - is this the default date from the status of the debt, or the latest update?

 

LLOYDS TSB BANK Credit card / S... Default Satisfied 02/12/2012 what is the listed default date

 

 

so where are you with the PPI reclaim?

where are you with the PENALTY charges reclaim?

 

dx

[Nath123]

I've yet to hear back from them which makes me believe I may have sent it to the wrong place. I currently have the following awaiting to send...

 

PPI

Covering Letter

Compound Interest Calculator

 

Credit Card Charges / Default

Covering Letter

Compound Interest Calculator

 

PPI FOS Questionnaire

 

What Rate of interest should be applied to the calculators?

 

MARLIN FINANCIAL Credit card / S... Default £2,462 24/02/2013 - is this the default date from the status of the debt, or the latest update?

Latest update.

 

LLOYDS TSB BANK Credit card / S... Default Satisfied 02/12/2012 what is the listed default date

17/09/2007

[dx100uk]

the int are in the 2 copies of the foscisheet should be the same

and as outlined several times

 

use their current APR

or

an avg of all the APR's over the time period

 

its not THAT important

as they will pull you up on it anyhow

if they do cough

 

please attach both SOC's when done.

 

dx

[dx100uk]

I've yet to hear back from them which makes me believe I may have sent it to the wrong place. I currently have the following awaiting to send...

 

PPI

Covering Letter

Compound Interest Calculator

 

Credit Card Charges / Default

Covering Letter

Compound Interest Calculator

 

PPI FOS Questionnaire

 

What Rate of interest should be applied to the calculators?

 

 

Latest update.

 

 

17/09/2007

 

^^^ this debt will vanish 6yrs from the defaulted date [17/9/2013

 

dx

[dx100uk]

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all monetary figures and dates.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

try www.pdfescape.com TO BLANK STUFF,

*************************************************************

or

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

 

what is the defsult daet on that other debt not the update date of the default