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hi all,

whilst claiming ppi back for my partner from hfc,

we have found she has been paying a large amount per month in ppi on her marbles card.

 

As she is quite vague on the details of this account we cca'd and sar'd them.

 

still waiting for the sar.,

 

but the cca came back with a print out of just terms and conditions and a signed statement of account.

 

they state in the letter that the original signed agreement has been requested from the relevant dept. and will follow shortly.

 

they are now past the time limit so should i wait or is there anything i should do regarding this.

 

need all the info on this account as i can get, which is why i sent these requests, as i think it could amount to a substantial reclaim.

 

regards,

 

ps. the account has been running for at least 6 years and is no longer being used.

just monthly payments to clear the amount owed.

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sorry, didn't mention it earlier as it has only just dawned on me....the card was taken out when my partner lived in Scotland.

does this have any bearing?

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no diff inscotland bar 5yrs SB not 6

 

now WHO are you paying ?

 

dx


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Single Premium PPI Q&A Read Here

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she's paying the monthly payments to marbles, they are showing on letters as being a name of progressive finance/aviemore.

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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

spreadsheets 

 

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yep thats the one.

 

do i follow up the failed cca request with anything or just leave it as they haven't got it?

 

where would that leave the ppi reclaim if they were to say that she requested it but can't prove it without the agreement.

 

she's adamant that she never asked for it and only realised that she didn't have to have it when we looked into a hfc reclaim.

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have you sent the failure to comply leter?

 

as for the PPI reclaim

 

will this kill the balance?

 

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

spreadsheets 

 

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haven't sent the failure to comply letter yet, wanted to check advice.

she wants to pay back what she owes on the card, however i believe that the ppi reclaim will clear a significant amount, if not all of it. won't know for sure tho until the sar arrives.

when working this one out i use the cisheet don't i? not the statint.

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correxct if the court route

or

FOSCISHEET for the FOS route

 

should they not cough

 

i would still send the failure to comply letter

 

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

spreadsheets 

 

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hi all.

an update on the above.

have sent the failure to comply and haven't heard anything yet.

 

Still waiting for the SAR but they are still within the time limit.

 

Also sent a letter cancelling the ppi.

 

Meanwhile my partner received her monthly statement and called them to query why her payment has gone up whilst the balance is going down.

to which they replied that there was a problem with the way her interest was calculated and they would investigate and write to her.

 

whilst on the phone she also queried whether the ppi had been cancelled as per her letter,

the person replied that they would do that and asked if she was making a claim to which my partner said "it's already in hand" or words to that effect.

but did not say categorically that she was.

 

today she received a lengthy letter saying that marbles would not be upholding her complaint ( she hasn't complained about a refund yet - we're still waiting for a sar)

because although it was so long ago they don't have a copy of her online application and agreement,

they know that she (apparently) asked for the cover and when sent the agreement

she didn't change the ppi option to "no" in the ppi section therefore she did ask for it.

 

they go on to say that the policy is still in force on the account and do not understand why they haven't been contacted sooner to have it cancelled.

( yes they have )

 

they then end the letter with this is our final response and if not happy please take it to FOS.

 

seems a bit pre-emptive to me- refusing reclaims before an actual complaint is made.

 

where would this leave us when we do make a complaint?

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well the faact that it must be de-selected to refuse PPI actually means they MUST refund it.

 

can you scan up that letter

 

because IF it does say that

 

its Priceless for every marbles card PPI claim.

 

i've got a re-buff in mind already

 

but await the sar.

 

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

spreadsheets 

 

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hi, here is the letter that we received:

 

[ATTACH=CONFIG]40978[/ATTACH][ATTACH=CONFIG]40977[/ATTACH]

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god that letter is SO condesending to the customer !!!!

 

so because you 'requested' PPI on the online form[probably all ready ticked]

 

he rejects your claim

and will bin any further complaint...disgusting!!

 

the rest is just pure conjecture and crap all the others write

 

i like the 9yrs bit!!

 

if you were told it was not compulsary or that you could claim it back

you would hae done so already.

 

have you seen this yet....

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4115969#post4115969


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

spreadsheets 

 

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thats a good one.

i'm still waiting for the sar, when i get it and am able to make a reclaim

 

should i write them something similar and give them a chance to correct their error or,

as they say,

take it directly to fos,

even though they haven't actually received a complaint from me?

 

also if they continue to show their incompetence would this stand me in good stead if i were to take it through the courts rather than fos?

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pers i'd send a version of that letter

 

then we can await he sar as well.

 

leave the fos for now.

 

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

spreadsheets 

 

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