BB-V-Halifax PPI

[BaldyBaldwin]

is it not worth giving them a nudge?

[bathgatebuyer]

I have! Always worth pushing them along. I think 4 months is quite good going for them as they do say between 6 - 9 month.

[BaldyBaldwin]

when you are successful, are you going to consider going for costs against sainsburys?

[bathgatebuyer]

At the moment, I've asked the FOS to consider the issue of the invalid CCA which has been provided to me by them (although I note from what a few people on here have said about the FOS and these issues is that they have refused to rule on the legality of CCAs - although I've sent them a letter from the OFT in which it says that the FOS should consider this), there's the PPI issue (which is worth about £800), and also their failure to adhere to the OFT Debt Collection Guidance Note as they've continued to pester me for interest and the like despite this account being in dispute and up for consideration by a third party.

 

My only costs thus far as stamps and recorded deliveries and the like. If I don't get a satisfactory response from the FOS in terms of resolving this (i.e. in me getting my money back!) then I will be taking it to court and seeking any costs that arise out of that.

[BaldyBaldwin]

you say stamps.. that must mean you have sent letters, non automated, at about 25 quid a pop, plus the time you have spent on researching, it soon adds up!

[bathgatebuyer]

I'm not aware of the FOS awarding costs - especially not paying for my time in preparing all the letters and the like. If you know otherwise, please let me know.

[BaldyBaldwin]

to be honest, i dont know otherwise,i was just thinking that if the FOS ruled in your favour that the PPI was miss-sold would you have grounds to reclaim your costs via the courts? as you should never have been put to the trouble of reclaiming in the first place

[BaldyBaldwin]

reply from the FOS today. . .

they have returned all the documents i sent them and have sent the business details of my complaint to HBOS and asked them to deal with the matter, they should issue a final response on the matter within 8 weeks.

on reciept of the final response, if i feel they have not put things right or have not heard anything from them i am to return my documents to the FOS.

 

HBOS have had 2 years to sort things out, so lets see if the FOS can scare them into action.

 

the saga drags on. . .

[BaldyBaldwin]

am i entitled to add 8% on to the amount of PPI i wont refunded?

[maggie]

Hi Baldybaldwin,

Yes you are entitled to add the 8% on top of the refund .I asked for this ,and the Fos ,have awarded it on both PPI ,s on both loans.

Maggie

[BaldyBaldwin]

thanks for that Maggie

[BaldyBaldwin]

cant seem to find the spreadsheet, can any one help

 

BB

[maggie]

Keep at them BB,

 

They tried to fob me off ,I lost patience,contacted the FOS ,and it was resolved in months.

 

Once the FOS send you the acceptance form for the refund of the ppi,(which I have no doubt you will receive )if you haven,t already asked for the 8% on top,request it on the acceptance form,as they ask you if there is anything else you wish them to consider or add to your complaint,they in turn ,will then inform the Halifax that the 8% ,must be added.

[BaldyBaldwin]

any idea where i can find the spreedsheet to work out the 8% just so i know what figure we are looking at?

 

regards BB

[maggie]

Have a look at the thread in the ppi section -Having trouble using the calculator.

There is a link on there which takes you to a calculator that works out the interest for you.I don,t know if it includes the 8% though.

Maggie