First letter back from lender

[stevie_a]

Hi all

 

Firstly let me say sorry as i no doubt this has been asked before...

 

I am not very good when it comes to this kind of thing ( reclaiming what a should be due )

 

Ok

 

I have sent a letter to Santander to receive a letter back asking me to fill out a 7 page Questionnaire.

 

I remember somewhere seeing not to fill it in but to say to them that i am due the reclame and they have the information, is this correct advice

 

or am i way off...

 

can some one guide me please to what to do.

 

Sorry should have said the ppi i am claiming for is a Mortgage i had taken out in 1997

 

and ppi is still running.

 

 

Many many thanks

[citizenB]

Did you complete the FOS complaint form when you made your initial claim ?

[stevie_a]

No i just sent in a letter, saying • Not informed that taking the PPI policy was optional, Not asked whether I already had sufficient cover in place at the time the policy was sold to me.

 

I am a bit unsure what to do next.

[dx100uk]

I would fill this out only

 

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

 

have you all the statements etc

 

if not

 

its always worth getting an SAR

 

the demands & needs sheet will be interesting reading for sure

 

dx

[stevie_a]

I should have docs, you say "I would fill this out only"

 

there is a lot of docs on that page

 

could you be more pacific please, also would you send this in instead of the santander form ?

 

could i ask why, just so i can understand.

 

I do not see a pdf of demands & needs sheet, or an i just blind...

[dx100uk]

from the fos site

download the fos questionnaire

 

the d&N will come from the SAR return I hope,

 

dx

[stevie_a]

Ok i see the document you are talking about also the Access Request,

 

are you saying send these in instead of the forms they sent me?

 

what is the advantage of this?

[dx100uk]

already answered the sar reason

 

their CQ often has loaded questions

 

the FOS CQ is generic and industry std .

 

also watchout for phonecalls

wanting to ask additional questions

 

writing only

 

put the phone down

dx

[stevie_a]

Looking at your sig, i see these that stand out to me.

 

2 You were told that you had to take the PPI out at the same time as the loan or not at all

6 You were led to believe that Payment Protection Insurance was compulsory

8 It was not explained to you that there were certain exclusions within the policy that could affect you

 

 

What are my chances ?

 

as said i am a total novice at this, unlike some i would love any money retrieved to go strait into my mortgage to get it down rather than some holiday.

[dx100uk]

your chances are always very good with a mortgage

as likewise say with contents ins

[were you made to take that too?]

 

the advisor would make a healthy commission for each successful 'sale'

 

your demand and needs sheet will make interesting reading.

 

dx

[stevie_a]

Thanks for being so patient with me, all this is double dutch to me really

 

you have said a couple of times "your demand and needs sheet will make interesting reading"

 

is this something i have or something i need to get ...

[dx100uk]

you should have been fully involved in filling out

your demands and needs sheet Before you took the mortgage out!

 

sadly, esp where many insurances are levied to gain the commission on each one

for the advisors pocket - many punters never ever see the D&N sheet

or let alone knew it even existed!!

 

or are duped into signing it.

 

it SHOULD be in your mortgage 'pack'

 

but I bet it ain't

 

the sar will provide it

 

how old is your mortgage?

 

dx

[stevie_a]

took my mortgage out in 1997, was my first home ( still live there )

 

i was young'sh (27/28)

 

Call it being stupid ( i call it naive ) I am a manual worker an sometimes need a bit of help with things like this

 

what i have been looking for is a 1 2 3 of steps of what to do from people who like yourself who are obviously passionate about this subject.

[dx100uk]

send them an sar

[Hortz]

you should have been fully involved in filling out

your demands and needs sheet Before you took the mortgage out!

 

dx

 

Hate to spoil the party but not in 1997 he shouldn't. SoD&N didn't exist in those days.

[Hortz]

Looking at your sig, i see these that stand out to me.

 

2 You were told that you had to take the PPI out at the same time as the loan or not at all

6 You were led to believe that Payment Protection Insurance was compulsory

8 It was not explained to you that there were certain exclusions within the policy that could affect you

 

 

What are my chances ?

 

as said i am a total novice at this, unlike some i would love any money retrieved to go strait into my mortgage to get it down rather than some holiday.

 

Need some more specifics really.

 

What happened in as much detail as possible?

 

Who did you deal with,

 

what info were you provided with,

 

what info weren't you provided with,

 

why would you not have taken the policy if you had been correctly informed?

 

What specifically was said?

[dx100uk]

yes we didn't know that until post 13

and the sar might be an issue too [12yrs]

 

hope not

and that they still hold the data

[hillards]

...and that they still hold the data

OP says the mortgage (EDIT: sorry, the PPI) is still current so they should have retained it ?

[stevie_a]

Hi it;s me again

 

I sent the forms away, and today i have had 3 calls to my mobile and 3 to my home answering machine asking me to call them.

 

what should i do?

 

phone them back or ignore them ?

 

 

also watchout for phonecalls

wanting to ask additional questions

 

writing only

 

put the phone down

dx

[hillards]

DO NOT phone them, or accept calls. If they do call and you pick up, do not answer security questions. They will write, eventually.

[stevie_a]

Ok will do, can i ask what they are phoning me will achieve for them ?

 

why is it so bad to answer the phone, i don't understand.

 

Thanks

[hillards]

why is it so bad to answer the phone, i don't understand.

Quite simply, they could talk to you and then record on their system you agreed to sell them your granny to pay the debt, how can you prove otherwise? - hence, everything in writing

 

They will want to try and bamboozle you with their talk, trick you into saying something you shouldn't. It happens all the time. These people are trained to extract blood from stones, unless you are experienced in dealing with such tactics, best not to talk to them.

[dx100uk]

I suggest you read the forum a bit

 

this is a self help one too!!

 

what forms did you send?

 

dx

[stevie_a]

Just had letter back from Santander, basicly saying no you are not getting anything

 

the headed 4 page letter just went into saying that i qualified to take it out, even though on the mortgage application

 

it said did i want ppi with two tick boxes yes/no had not been ticked.

 

So is that it or is there another avenue i need to go down now?

[ims21]

I guess it was a final response letter with a fos leaflet attached?

 

If so get a complaint going with fos.