Advice on dispute

[AngR]

Hi all

Here I go again, needing advice of my forum friends regarding ppi

 

I had a loan with alliance and leicester in 1996 and claimed what I remember being 3 months in 2001 coming to the end of the loan.

 

On requesting mis selling to santanda I declared about the ppi claim and they wrote back 4 weeks asking did I have any further information for them.

I sent a copy of the final claim I made as the loan was finishing along with a copy of the FOS questionairre ..again!!

 

Santanda has replied 2 weeks later saying that I paid £1634.16 in premiums and claimed £6828.68 in claims

 

I know this is untrue but dont have the first claim letter just the last which shows they paid £108 for each week of 7 weeks

(this works out at £5616 only if they paid me for the full 12 months)

 

I believe that I claimed 12 weeks at £1296

 

Does anyone have any advice on how I can word a letter to ask for proof of these claims

because I know I only had 12 weeks claim due to sickness

please please help

Thank You

[BRIGADIER2JCS]

If you have made claims and have been paid out, why do you say this PPI was mis- sold please.?

[dx100uk]

weeks months

 

you getting things confused or are they.

 

you and they need proof of what you claimed & what you paid in PPI

 

do you have that?

 

dx

[AngR]

yes am getting confused

I have the second letter they sent saying what they would pay me for 7 weeks £756

It was miss-sold because I told them I did not need it, had insurance and paid for illness, redundancy and death with my company

This was the last 12 weeks of the loan and I claimed as it was there

I would have accepted that I had claimed and there no recompense except for the fact this company has lied as well as forcing me to take this PPI in the first place!!

all I was asking for was advice on how to word a letter to request the proof they have paid the PPI of more than half of the payments for the 60 month loan (which is a lie)

[ims21]

Hi

 

In principle you have a valid claim for mis-selling based on the reason you have given i.e. being forced to take it.

 

However, this is really only going to be worth pursuing if the amount of your mis-selling claim exceeds the amounts that have paid out under the policy.

 

So the question you want answered is how to ask for the proof of what they say.....here you go....

 

"Dear Sirs,

 

I refer to previous correspondence in this matter and in particular the amount that you have stated was paid out under the policy.

 

The figures you have quoted as being paid out differ significantly from the amounts which I believe to have been paid out to me.

 

As you have quoted specific figures for the amounts paid out under the policy it would seem that you have drawn those figures from some records which you have access to.

 

Please provide me with a detailed analysis of the amounts paid out under the terms of the policy together with copies of any correspondence you sent to me at the time in relation to my claims under the terms of the policy. This information should consist of the dates covered by any payments and the amounts paid.

 

It would also be useful if you could please provide copies of the loan account statements in order that I can verify that the amounts paid out under the policy were correctly applied to the account.

 

I would think it would be possible for you to provide this information within 14 days and so I look forward to hearing from you within that time frame.

 

Yours faithfully"

[Hortz]

Who did you bank with at the time? With a lot of PPI the payments would have been made to your current account for you then to subsequently pay the loan. With some it may have been paid directly to the loan but might be worth a try.

 

Not to try and put you off, but the complaint reason you have given isn't the best either. It's a he said/she said scenario that neither party is likely to be able to prove. And whilst it may be true in your case is also used by a lot of chancers.

[AngR]

Thank you all

 

No, I am not pursuing a claim (i was never really very sure of it) although i am interested in knowing how they arrived at their figures based on the fact they asked me for copies of all figures and the dates and they are vastly different.

 

Thank you for the advice

Edited July 10, 2013 by AngR