phone call from hbos regarding ppi **WON Holiday Postcard on the way**

[royalscot]

hi again jan , im sorry to be a pest but could you condense the letter for me ,

i dont know what to leave out and i dont want to send the wrong letter . Am i right in saying that the ppi was sold to me was no good because i was self-employed and that the bank officer told me that if i didnt take the ppi then it could affect my chances of getting the loan . thanks jan

[alanalana]

hi again jan , im sorry to be a pest but could you condense the letter for me ,

i dont know what to leave out and i dont want to send the wrong letter . Am i right in saying that the ppi was sold to me was no good because i was self-employed and that the bank officer told me that if i didnt take the ppi then it could affect my chances of getting the loan . thanks jan

 

Hello Royal Scot.

 

You have had a lot of advice on PPI claiming and pointers to threads. Perhaps you could not look at the stickies at the top of the PPI forum and research so you can find the answers.

 

I should advise you to research your own case then make a case for reclaiming PPI. There is enough information on the CAG site for you to proceed to a successful outcome..

 

Good Luck and remember this is a self help site the information is here you just have to search, find and use to your own particular casee.

 

aa

[royalscot]

Hello Royal Scot.

 

You have had a lot of advice on PPI claiming and pointers to threads. Perhaps you could not look at the stickies at the top of the PPI forum and research so you can find the answers.

 

I should advise you to research your own case then make a case for reclaiming PPI. There is enough information on the CAG site for you to proceed to a successful outcome..

 

Good Luck and remember this is a self help site the information is here you just have to search, find and use to your own particular casee.

 

aa

Point taken aa , i will not let this go it will take a while but as i said ...its my money

[Jan4a]

hi again jan , im sorry to be a pest but could you condense the letter for me ,

i dont know what to leave out and i dont want to send the wrong letter . Am i right in saying that the ppi was sold to me was no good because i was self-employed and that the bank officer told me that if i didnt take the ppi then it could affect my chances of getting the loan . thanks jan

 

 

If the bank officer said that, then put it in. I'd just send the whole letter.

[royalscot]

Hello Royal Scot.

 

You have had a lot of advice on PPI claiming and pointers to threads. Perhaps you could not look at the stickies at the top of the PPI forum and research so you can find the answers.

 

I should advise you to research your own case then make a case for reclaiming PPI. There is enough information on the CAG site for you to proceed to a successful outcome..

 

Good Luck and remember this is a self help site the information is here you just have to search, find and use to your own particular casee.

 

aa Despite having trolled through the site i cannot find answers to my questions so i appologise for asking for more advice on my thread ...... im trying to find out if i can add contractual interest to my claim along with statutory interest and how it is calculated ...my loan was for £8630 , ppi £3295.96...total loan amount £11925.96 apr 11.9% £4048.44 ...total amount payable £15974.40 loan taken out in 2002 .... would like any help on this subject , when it comes to reading and writing im not very confident ...if i you ask me to build a wall or a house then no problem ...i guess some people are better than others at certain things....regards rs

[Jan4a]

Hiya

 

Just send the letter as is because you were self-employed. Don't put figures in. See what the bank offer you and then post it up. The premiums you paid every month already included contractual interest. And yes, you ask for 8% on top, but it says that in your letter.

 

You just need to cut & paste the letter into Word or similar, read it through and make sure it all applies to you (probably does) date it, address it etc and send it off recorded delivery.

 

Then when you get a response, post again. They should be offering you all premiums paid (which include contractual interest) and then 8% on top.

 

So, don't worry about the figures yet, let the bank work them out for you.

 

 

Good luck

 

Jan

[royalscot]

thanks jan ....thats just what i needed , happy new year xx

[royalscot]

Letter sent to HBOS asking them to investigate my ppi complaint .....Can only sit back and wait .....and hope ...fingers crossed.....

[royalscot]

Acknlowledgement of letter , also a note saying....Unfortunately they are unable to locate one of my loans ..........

Fortunatley i have a copy of said loan.........

7.2wks and counting .......

Edited February 13, 2010 by royalscot

[royalscot]

Asked HBOS for a copy of they`re terms and conditions relating to my loans and was told that they are under no obligation to send them to me under the dsar rules ? ......is this the case ??

[royalscot]

Anyone any thoughts please

[royalscot]

Any help please

[rhos123]

Asked HBOS for a copy of they`re terms and conditions relating to my loans and was told that they are under no obligation to send them to me under the dsar rules ? ......is this the case ??

 

send the hbos a FORMAL LETTER OF COMPLAINT re guarding the mis-sold ppi

on your loan, quote the loan no , you will find this on your statements, sorry i do not know what you mean by the dsar rules? send them a letter explaining your concrens with reguard to the mis-sold ppi. also demand a final responce

from them so that you can then get the fos involved. this is the address

i used in a recent complaint and have always recived a responce

 

HALIFAX

 

PO BOX 761

 

LEEDS

 

WEST YORKSHIRE

 

LS1 9JF

 

ps dont forget to send your letter recorded signed for .

[royalscot]

RE : My previous post ...The letter of complaint has already been sent . C an anyone give me advice with regards to post #35 , ive had over a hundred and fifty views and no advice ....Can anyone help please

[Nagasis]

Asked HBOS for a copy of they`re terms and conditions relating to my loans and was told that they are under no obligation to send them to me under the dsar rules ? ......is this the case ??

 

although they should include everything in a sar, I would cca them to get the agreement, the original terms and conditions and any variation in the terms

[royalscot]

Well got my answer to my post through the door , saying.....I am sorry to advise you that further to your request for the terms and conditions for your scotloans ...... The lending services of The Bank of Scotland DO NOT HOLD THIS INFORMATION !! 6 weeks and counting .

[royalscot]

Two days and counting

[royalscot]

I was assured by HBOS that no later than the 9th april 2010 ( the 3mths deadline ) i would recieve theyre response to my complaint .

 

If this doesnt arrive can you please advise my next move

 

regards

 

rs

[royalscot]

Can anyone tell me if i should fone HBOS or where to look on here to find out my next move .

 

thanks rs

[royalscot]

Cannot believe , that no one can help me .

 

If it is because that i havent contributed yet ...then fair enough but bloody hell ....let me WIN something first ...

 

I was helped through the first stage of this crusade then i seem to be abandoned through the second stage .....is this how it works ??

 

the feeling about CAG is Dejected ....

[royalscot]

any inpu`t ??

[birchave0]

as your complaint is about the miss selling of a PPI policy, the terms and conditions of the loan are not really important at this point.

 

A full response to a sar however should include a copy of the loan agreement together with the terms and conditions as these should be contained in one document.

 

The PPI should have it's own terms and conditions as it is completely separate from the loan. This should explain the terms of the insurance and any exclusions that may apply, i.e pre existing medical conditions, etc.

 

Hope this helps

[royalscot]

Further development , received a letter from HBOS today applogising for the delay ( 3 months ) .

 

Apparently they cannot give me a final response because they are still gaining all the information necessary so as to investigate my concerns !!

 

In compliance with legislation they advise me that i can complain to the FSA if i remain unhappy with the service i have received .

 

any thoughts please ?

[rhos123]

Further development , received a letter from HBOS today applogising for the delay ( 3 months ) .

 

Apparently they cannot give me a final response because they are still gaining all the information necessary so as to investigate my concerns !!

 

In compliance with legislation they advise me that i can complain to the FSA if i remain unhappy with the service i have received .

 

any thoughts please ?

 

why not take them up on their offer complain to the fsa, maybe they will get hbos to move a lot faster. good luck

[pompeyfaith]

Right lets not pussy foot with this bank

 

Send them am LBA letter giving them a further 7 days to supply what was asked for.

 

And if they cannot supply the docs request that they send you a deadlock letter so the matter can be taken up with the FOS, ICO and/or the courts.

 

They have had more than enough time so its time to get tough with them.

 

PF