Thanks for the response but do you have template letter I can write and complain with reference to section 56 of the cca. I appreciate your feedbacks

Please I need some help, I took out a loan awhile ago that am still paying for it and decided to claim my PPI back, I called Blackhorse and filled in the questionnaire that was sent to me but to my amazement today I received a letter stating "In your questionnaire dated you said You were not informed of the features, benefits, exclusions and limitations of the policy You were told that taking out the policy would increase your chances of getting the loan It was not made clear that the PPI policy is optional You advised that we automatically included PPI in the quotation You were pressurized into taking the policy Their conclusions are "In light of my findings, I feel that our adviser acted fairly and reasonably throughout the sale, I have found nothing to suggest that you were compelled into the taking out the policy. I believe that the information provided at the time of sale was a fair presentation of the features of the policy and explained the policy exclusions and the total cost of insurance. I am also of the opinion that it was clear, fair and not misleading therefore allowing you to make a fully informed choice. My review has not highlighted any failings with the sale that would lead me to believe your decisions to purchase the PPI policy would have changed." What can I do now as I need your help please

Hello Tonycee, Below is the letters I wrote Barclays that they made me an offer, first letter I purchased the above policy from you on the dated but now believe that I was mis-sold this policy for the following reasonsas your salesperson was very pushy in selling me the policy so that I felt I could not say no and also I was told that I would stand more chance of getting the loan if I took the Payment Protection Insurance Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint. And second letter I am writing in response to your letter dated 23rd July 2008, with regards the insurance sold with my loan.Yourreference is xxxxxxxxx I do not feel your letter has offered a satisfactory justification that my policy was sold fairly, reasonably and within my best interests so I request that you look into my complaint again. If I do not receive a more favorable response within 14 days I shall be taking my complaint to the Financial Ombudsman. And then Barclays offered me a full and final payment of £3200 which i will not accept, if anyone has a template letter i can use to write them

Hello All, I have just received a final and full offer from Barclays for £3238.60 and they pointed out that this additional refund is made with no admission of liability by the insurers or secured Barclay loan. My question is should I take it as a partial offer and still go back for the remaining £7000 they charged me. I paid Barclays £9,999 in PPI payments, interest excluded. And if I decide to purse the rest of the money is there a template I can use or what do I do next. Your help is highly appreciated.

Hi, Please I need some help, I have sent the first letter requesting for my PPI refunds back, its almost £10K. I just received a letter from the Barclays Bank stating that after carrying out a full investigation and reviewing their telephone callls during the loan application process that my case is uphold and they will not pay out. They also said that after looking into the complaint that the details in respect of both the loan and PPI were explained fully and therefore no payments. Please what I do ............... any help will be appreciated.

Thanks I will keep you posted

Dear All, I need some help, a friend of mine borrowed £50K from Baclays in 2005 and was then charged £9965 in payment protection insurance. It was a single payment on top of the loan which amounted to £59965, her payments were £449 a month and now she was paid the whole loan off. Can she claim her PPI back because she insisted that she was forced in it or else they would not give the loan (there is no evident on that) Any help will be appreciated, thanks.

Thanks for your reply ....... I have read it. Should i go ahead with my case and charge them to court? I am a bit struck and any advice will be appreciated.

Hello Everyone, I have recently written 2 LBA letters to Halifax and recently received the reply from them; Until the determination of the legal issues in above proceedings, we have asked the FSA to suspend the normal timetable for dealing with bank charges. Also until the test case they will not be settling any claims and they will write to the court to hold and claims there until the test case. What do I do next? I have already written to my local MP about this. Any help will be appreciated.

Thanks for the help, i will keep you posted.

Thanks

Thanks i will do that.

Dear All, I need help in taking Natwest to court for charges up to £3900, i have written all the letters and sticked to the timetable but they have not responded at all. Where do i go from here, i need your help. Thanks, koko Halifax pull in FULL:cry:

Hi, I am about to start my court case with Lloyds TSB Bank after sending all the letters and sticking to the timetable, i need some advise on the below issues; If i decide to use moneyclaim which Lloyds TSB address do i use and how do i go about this or should i an N1 form instead. Lloyds TSB are providing to be too stubborn and i need all the advise you can give me. Thanks koko Two halifax accounts settled in FULL:|

Hi, I am about to start a claim throught Money Claim, which Lloyds TSB address did you use. Thanks

I agree with hagenuk, call them and ask when they pay the money. If you do not hear anything start the court claim and added the solicitor's fee plus the interest on top of it. Keep us updated.

Good work, keep us posted

The 40 days start from the day they recieve the letter, do not count saturdays and sundays as part of it. Regards,

It will have better if you posted a £10 cheque instead but you can also monitor the recorded delivery letter by checking to make sure they have received it. www.royalmail.com/portal/rm Good luck

Yes, you can claim back any charges they have charged between then. It does matter if your account is open or closed, just check your statements for any charges they have charged you. Good luck

They will send you the statements before the 40 days lapse, they are just playing a waiting game with you.

Hi, Yes you can but tell them to put it in writing. Regards

Hi, If you have 2 different accounts with Halifax, then you will have to do them separate and their address is HBOS PLC Trinity Road Halifax HX1 2RG. Good luck

Hi, Interest can only be claimed on bank charges such overdrafts or unauthourised overdrawn

Thats good, just stick to the plan. They will eventual pay up.