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Sainsbury,s Bank PPI reclaim for OH *** SUCCESS ***

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intend

intend

Posted
  • Author
Posted

Just to clarify - post above usless - please ignore.

 

Have calaculated Loan 1 PPI % rolled over using formula (loan 1 ppi rolled over/ loan 2 + loan 2 PPI) X100

Have calculated Loan 2 PPI % as - (loan 2 PPI / loan 2 + loan 2 ppi) x 100.

 

Now clear as mud and about to work out loan 2 and consolidation into loan 3. Either need a lie down or a beer!!

 

Intend

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  • 2 weeks later...
ims21

ims21

Posted
Posted
Completed spreadsheets - happy with process and outcome. About to complete the FOS questionnnaire.

 

Would appreciate some advice on what to include in a covering letter.

 

Since all of your reasoning for the mis-sale will be in the questionnaire, you only need a brief covering letter saying that you believe you were mis-sold and you attach the completed questionnaire and calculations for the refund which you require to be refunded to you without delay.

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intend

intend

Posted
  • Author
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Any good template letters or links as to the covering letter to go with the FOS questionnaire. Will not include details of spreadsheet or my valuation of the recliam - wait to see what they offer but would like to include in the letter something that indicates I have a failrly accurate estimate of what they should be offering.

 

All help welcomed.

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thegfb

thegfb

Posted
Posted

Good luck :)

 

If you are confident in your calculations, it won't hurt to include a number. In mine I put something like "I am therefore owed by your organisation, at the very least, £xxxx"

 

I've been on the phone to HBOS asking to them to tell me what they are now doing to rectify my claim ASAP... they tried to tell me on the phone that they have received no letter, despite me sending it Special Delivery and having EPOD :roll: They are just downright liars.

thegfb vs Natwest PPI - WON - £5.5k refunded October 2011 :-D

thegfb vs Sainsburys Bank PPI - referred to FOS 15/09/2011, WON - £2.7k refunded February 2013 :wink:

thegfb vs Capital One PPI - Complaint sent September 2012, dragging their heels :roll:

ongoing...

------------------------------------------------

Thanks for all your advice so far :D

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ims21

ims21

Posted
Posted

Personally I favour sending a copy of the spreadsheet with the claim.

 

However, there is nothing wrong with keeping back your figures to see what they come up with and then challenge if necessary.

 

Apologies for late response....work is interfering with life sadly.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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thegfb

thegfb

Posted
Posted

I did that too mate ;)

thegfb vs Natwest PPI - WON - £5.5k refunded October 2011 :-D

thegfb vs Sainsburys Bank PPI - referred to FOS 15/09/2011, WON - £2.7k refunded February 2013 :wink:

thegfb vs Capital One PPI - Complaint sent September 2012, dragging their heels :roll:

ongoing...

------------------------------------------------

Thanks for all your advice so far :D

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  • 1 month later...
intend

intend

Posted
  • Author
Posted

Quick update - acknowledgement letter received late Jan with usual "will respond within eight weeks". Then out of blue a telephone call to OH requesting some info - took her off guard - wanted to know how one of the loan/ppi was taken out - in branch or phone.

 

Tempted to write confirming how they were sold and this time including a copy of the spreadsheet and amoungt looking for.

 

Intend

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  • 3 weeks later...
intend

intend

Posted
  • Author
Posted

Complaint upheld:whoo: OH received letter to today with settlement figure slightly more than I worked out - Will now wait for the cheque.

 

If someone from site team could change title of thread. Will post when cheque cashed. Thanks to all for advice.

 

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ims21

ims21

Posted
Posted

Great news....well done.

 

Can you update the thread when you get the cheque and we can change the thread title then to reflect you full success.

 

:whoo:

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 3 weeks later...
ims21

ims21

Posted
Posted

Great stuff....I'll mark your thread accordingly and pop a link in the PPI successes forum.

 

Yes please do stick around....helping others is what we are all about.

 

Enjoy your windfall :-)

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 2 years later...
maroondevo52

maroondevo52

Posted
Posted

 

Just had a cheque for £130 as case was re-assessed!!

 

 

Good stuff :thumb:

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

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Help keep it up and active, helping people like you.

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