They will try and keep you waiting. That is their game. You must press them. Keep at them. Send information to the FOS and FSA see this link and use it http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm This is old but still relevant: http://www.covermagazine.co.uk/cover/news/2151314/fsa-demands-firms-185-rejected-ppi-complaints If they still refuse to accept liability for mis selling, take the matter further. Do not back down on the information they give. PPI was mis sold. FULL STOP. Fight on and you will prevail

Done, RIP Martin. aa

Hi candyapple, The FOS will have a standard format for claims. Better to phone the FOS with your complaint reference number and ask them what Barclays have offered.I have been through the FOS for several claims and although you may disagree with their figures best to check what is offered before accepting. In my case the FOS advised me of the amounts that were being offered but it was a case of here is the form sign if you accept the offer. I recovered in excess of £23K on all my claims through the FOS aa

Well done gfb took a long fight but at least you have a result now aa

Yes I'm back but slowly slowly I will need some help with the new site layout but ready to help when and where I can. aa

I have signed back in to CAG to say RIP Martin. You will be missed by so many and you were truly an inspiration to many CAG members who found themselves in need of expert help. You gave them that help and you are I am sure applauded by the CAG team and all those you helped with sound advice. aa

Do not accept what they say about the records. Press on with your claim and be sure to pass all the correspondence to the FOS. I have had a few fights with the banks and they will try anything to prevent paying out. Stick with it. You claim mis selling let them prove you are wrong! PPI was mis sold on a massive scale and it is still is being mis sold even after the high court judgement. Please do not be put off by a few comments from greedy banks. aa

I was on CAG for about three years. Mainly on the subject of mis sold PPI. The scenario then was not as clear as it is now. The Banks are guilty of mis selling PPI on a massive scale. Possibly £25 billion and not the £700 million first thought. aaYou can get your money back. My route was through the Financial Ombudsman and these are my results. RBS recovered £10.485.03 Liverpool Victoria recovered £7,498.89 HSBC recovered 371.88 Barclays recovered £4,500.00 Cap 1 recovered 269.00 Plus bank charges from various banks. Do not give up the fight now, chase and chase hard submit your claim as soon as you can. The banks are trying another avenue to avoid paying out by putting a time scale on the claim periods. Do not let them off the hook. aa

Very pleased for you Landy a quality result but it takes time. aa

Write to them claiming the PPI on the loans was mis-sold and give them 8 weeks to supply a satisfactory response. If they fail to respond or try and fob you off bang in a complaint to the Financial Ombudsman Service (FOS) the link to their complaint procedure is here. They will investigate, charge £500 for the investigation to the company you are complaining against and eventually come up with a result. They have been upholding 90% of complaints in favour of the consumer. http://www.financial-ombudsman.org.u...complaints.htm good luck aa

Send it and also state that a failure to supply a satisfactory response in 8 weeks will lead to a formal complaint to the Financial Ombudsman Service (FOS) the Financial Services Authority (FSA) and the Office of Fair Trading (OFT) all the links are in here for contact and complaint procedures. Mis-sold PPI? Want your money back? use these links to help Do not be fobbed off PPI was mis-sold in a massive way and the FOS and FSA are looking into the mis-selling and the way complaints are being dealt with. aa

Just a one off chance write to Brunel and insist they give you the full information on the failed claim. Then bang in a complaint to the FOS and FSA about Brunel failing to provide what they say in their adverts about recovering your PPI. You may not get a complete success but the Complaint to the FOS will cost Brunel a fee of £500 payable to the FOS and the FSA may look into their claims as a Claims Management Company promising to get your money back and then failing to produce the goods. aa

Rooster (Bob) a true friend to those that needed help on the Consumer Action Group. A man with a terrific sense of humour, a cartoon for every situation and a heart of gold that was there to help those needing help. Remembered by me as a True and loyal supporter of the Consumer Action Group always willing to offer support not only to the Forums but he also supported me in my most difficult times. God Bless you and keep you in the safety of his arms Bob. You will be sadly missed by your online team members. May peace and understanding be given to your loving family during the deep sadness they will be feeling at this time. Alan alanalana

If you reclaim mis-sold PPI and you are successful any rebate of PPI can as I understand it be used to offset any outstanding debt on the account. I would be inclined to check again on the PPi repayments on your loan to ensure everything is above board. aa

I would advise you to submit a claim for mis-sold PPI if you have the CCAs 90% of PPI was mis-sold so you will have a good chance of reclaiming the PPI. If you claim against the bank and come up with a blank then bang in a complaint to the Financial Ombudsman Service.. link is here.... http://www.financial-ombudsman.org.u...complaints.htm The FOS will fight your claim and it will cost you nothing. If you go via the Court route you will incur charges and timescales to submit document. If you go via the FOS it will cost the company £500 in fees for the FOS to deal with the complaint. Your choice at the end of the day aa

Yes, you have been in the fight to reclaim since March it is now June, The Banks have 8 weeks to come up with a satisfactory response to your complaint so it is obvious they have not complied. Time then IMO to submit a formal complaint to the FOS the links are here... http://www.financial-ombudsman.org.u...complaints.htm and let the FSA and ICO in on the act as well.. Complaints - Information Commissioners Office complain to the world. aa

You are on the right road Rascal keep at them for the information they have not provided and keep the Information Commissioners Office updated with what is happening or not happening. The more pressure you exert through the ICO, FOS, FSA, OFT the better! Keep them on their toes they owe you. You do not owe them aa

Remember to stick your success in here:: PPI Successes aa

Says it all about PPI, a quality result via the Court system. Unenforceable agreement Was the whole debt for the car written off then? No wonder banks are settling via the FOS they could lose much more in court if the results all went the way of this ruling. aa

A long wait but a quality result Well Done** aa

Good link Martin thanks for posting it up. It should help folks who have a timescale issue on reclaiming. aa

Well done RS a nice result for you Let me know if you want a **WON** added to your thread title. It takes a while but the money is back in your pocket aa

If you have only become aware of the PPI mis-selling issue then IMO nothing ventured nothing gained. Send in a claim if you consider you have a valid case..... PPI - Some Notes for Claimants.. If you do not have all the paperwork send in a Subject Access Request. Full SAR for ppi and a second link on SAR here...Data Protection Act 1998 - Subject Access Request You may get the usual fob off stating they no longer hold records but if the loan is still active the information should still be available. At the end of the day if you get no satisfaction from Nat West then complain to the FOS. this costs you nothing but will incur a fee to the bank. The FOS will do the work and you can always check with the FOS before you start. Contact details in here.. http://www.financial-ombudsman.org.u...complaints.htm hope this helps you out aa

Write to HFC and get clarification on the alleged balance outstanding. Then once you have received this and if it is showing money owed challenge the bank with the experian result showing no balance and ask them for a full explanation of the difference in the figures. You should though check through all of your HFC statements and if you do not have them send a Subject Access Request asking for them so you can check out the alleged balance of £1600. I cannot offer advice on where you would stand if you stopped payments to HFC but I would advise you to get copies of all the paperwork before you take any action. aa

Not good at figures but you should insist on a refund of PPI premiums paid over the life of the loan. You should request repayment of the PPI element of the monthly instalments- £305 x 72mths (over 6yrs) and also expect the statutory interest on each payment made from the date the payment was made until such time as a settlement is reached via the FOS. It is always worth complaining to the FOS as this results in a £500 fee being levied against the bank for the FOS involvement. You should receive back the PPI on each monthly payment so an element of £305 as follows: Month 1 (date) PPI element of £305 whatever that figure was and the 8% statutory figure should run from the payment date ie April 2004 up to the settlement date. Month 2 (date) ditto so 8% would run from May 2004 up to settlement date Month 3 (date) 8% would run from June 2004 up to settlement date ad infinitum. I do not believe you will receive 8% on the £3740 from the start date of the loan up until settlement going on the way my own claim was settled on DLFS. It does not seem a very fair way to calculate things especially when you have contractual interest included but it seems the FOS have a set system to calculate the refunds due. I hope this helps aa