Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

Even though as PF rightly states H-fax and LTSB part of same group it is worth remembering that its 2 different complaints departments in 2 different locations with 2 different management teams, therefore I'm not all that surprised that one might be operating to a different set of rules to the other.

After all when it comes to the banks (or many large institutions) since when have the left hand and right hand ever known what each other were doing???

On Monday I was talking to an 89 yr old ex-bank manager his time in the banking industry was at a time when bank manager where bank managers and everything was handled at high street level.

Those days sadly are long gone for the worst in my mind, but this 89 yr old still had a good head for figures being the treasurer at the stroke club I help out at.

To many simple mistakes,large volume errors and large scale rip-offs are being generated via the new system of centralizing banking.

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

Even though as PF rightly states H-fax and LTSB part of same group it is worth remembering that its 2 different complaints departments in 2 different locations with 2 different management teams, therefore I'm not all that surprised that one might be operating to a different set of rules to the other.

After all when it comes to the banks (or many large institutions) since when have the left hand and right hand ever known what each other were doing???

That is so true Paul.

[Paul210]

Re: Latest updates on PPI Judicial Review and claims on hold

Thanks Paul.

Just wondering thats all, with mine still being held up, and they actually dealt with the letter on yesterdays date and I received it in the post today.

Cheers x

Even though as PF rightly states H-fax and LTSB part of same group it is worth remembering that its 2 different complaints departments in 2 different locations with 2 different management teams, therefore I'm not all that surprised that one might be operating to a different set of rules to the other.

After all when it comes to the banks (or many large institutions) since when have the left hand and right hand ever known what each other were doing???

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

Not directly related but thought I would add it.

Nothing new here then lol

http://www.walletpop.co.uk/2011/04/1...om-your-money/

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

Hey Di,

one rec monday, 1 tuesday (dated 8th and 11 respectively)

Thanks Paul.

Just wondering thats all, with mine still being held up, and they actually dealt with the letter on yesterdays date and I received it in the post today.

Cheers x

[Paul210]

Re: Latest updates on PPI Judicial Review and claims on hold

Hey Di,

one rec monday, 1 tuesday (dated 8th and 11 respectively)

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

As Halifax are part of Lloyds banking group that is strange as I would of thought they would act in the same fashion across the board so you getting a different outcome to Paul above is mind boggling.
[/color][/left]

Yes good point PF, I didn't relate to that.

I was not expecting this letter until the 16th April, so earlier than expected, considering they were always so behind on giving updates on the ones i dealt with over a year ago, they did upheld them at the time though, as you know these current ones (last 2) are from late 1999 going into 2002.
------------------------------- merged -------------------------------
[quote=Paul210;208153]

Hello troops and troopers and trooperesses......


Can someone please clarify exactly how banks 'should' be processing complaints during the Judicial Review?

Are they allowed to put some on hold? None? Them all? Only ones affected by the Judicial Review? If they are only allowed to put complaints on hold that are directly affected by the Judicial Review, who decides what complaints are affected then? The banks? Hardly fair if this is the case.

---

An interesting development to note on the back of this question, I have received 2 letters relating to separate complaints on ppi on cards this week from Halifax stating as follows: (paraphrased but you get the jist)

We have previously confirmed complaint on hold pending decision in JR, we have now reviewed the case further and decuded to offer to settle complaint by putting back into position would have been in had not taken ppi. Our redress team will make the calculations and forward remedy shortly. Further we will review the complaint once the outcome of JR is knownand let you know at that stage if any further payment is due to you from us.

This was a new one on me so rang Halifax to check, confirmed will pay out now + further if required under JR, aparantly this is not a wholesale solution but they are applying this to a number of complaints subject to certain criteria (as usual unable to tell me what that criteria may be, apparantly their systems automativally flag up which cases qualify)

Is only one lender and may only be a small percentage of cases but does this show maybe the FSA threats to firms not dealing with complaints have had some effect or maybe do we think they are getting nervous now the judgement is getting colser?

Hiya

Did you receive these letters in the post today Paul?

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

My letter received from Lloyds today on 2 cases - was that they are unable to give a final decision yet, and it will take them longer than normal to assess the complaints, and the usual that they take complaints very seriously and are committed to handling them in a far and consistent manner.

So basically they apologise that they are not in the position to provide us with a final response or give an indication of then this response will be possible, but will consider the complaints as soon as they are able and then write to me to let me know what happens next.

And then they usual, if I'm unhappy I can refer my concerns to the FOS.

The letter received was dated the 12th April, so they obviously posted this yesterday.

As Halifax are part of Lloyds banking group that is strange as I would of thought they would act in the same fashion across the board so you getting a different outcome to Paul above is mind boggling.

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

Sounds like they they now something we don't and/or as you say damage limitation with regards to the FSA

Nothing would surprise me PF.

[pompeyfaith]

Re: Latest updates on PPI Judicial Review and claims on hold

An interesting development to note on the back of this question, I have received 2 letters relating to separate complaints on ppi on cards this week from Halifax stating as follows: (paraphrased but you get the jist)

We have previously confirmed complaint on hold pending decision in JR, we have now reviewed the case further and decuded to offer to settle complaint by putting back into position would have been in had not taken ppi. Our redress team will make the calculations and forward remedy shortly. Further we will review the complaint once the outcome of JR is knownand let you know at that stage if any further payment is due to you from us.

This was a new one on me so rang Halifax to check, confirmed will pay out now + further if required under JR, aparantly this is not a wholesale solution but they are applying this to a number of complaints subject to certain criteria (as usual unable to tell me what that criteria may be, apparantly their systems automativally flag up which cases qualify)

Is only one lender and may only be a small percentage of cases but does this show maybe the FSA threats to firms not dealing with complaints have had some effect or maybe do we think they are getting nervous now the judgement is getting colser?

Sounds like they they know something we don't and/or as you say damage limitation with regards to the FSA

[di30]

Re: Latest updates on PPI Judicial Review and claims on hold

My letter received from Lloyds today on 2 cases - was that they are unable to give a final decision yet, and it will take them longer than normal to assess the complaints, and the usual that they take complaints very seriously and are committed to handling them in a far and consistent manner.

So basically they apologise that they are not in the position to provide us with a final response or give an indication of then this response will be possible, but will consider the complaints as soon as they are able and then write to me to let me know what happens next.

And then the usual, if I'm unhappy I can refer my concerns to the FOS.

The letter received was dated the 12th April, so they obviously posted this yesterday.


Just to add though, this is Lloyds, so even if any decision have been made they will want to hold back as long as they possibly can lol.

[MBD23]

Re: Latest updates on PPI Judicial Review and claims on hold

i wouldnt get too excited they have been sending these letters out for months

[mids]

Re: Latest updates on PPI Judicial Review and claims on hold

[quote=Paul210;208153]

We have previously confirmed complaint on hold pending decision in JR, we have now reviewed the case further and decuded to offer to settle complaint by putting back into position would have been in had not taken ppi. Our redress team will make the calculations and forward remedy shortly. Further we will review the complaint once the outcome of JR is knownand let you know at that stage if any further payment is due to you from us.


Is only one lender and may only be a small percentage of cases but does this show maybe the FSA threats to firms not dealing with complaints have had some effect or maybe do we think they are getting nervous now the judgement is getting colser?

That would suggest to me that the outcome of the JR is known ( and it probably is). I dont think nerves comes into it. The fact that large numbers are still on hold therefore suggests that the JR has given the banks some good mileage.
Why else would they start settling on certain cases?

[Paul210]

Re: Latest updates on PPI Judicial Review and claims on hold

[quote=SoapyBubbles;208107]Hello troops and troopers and trooperesses......


Can someone please clarify exactly how banks 'should' be processing complaints during the Judicial Review?

Are they allowed to put some on hold? None? Them all? Only ones affected by the Judicial Review? If they are only allowed to put complaints on hold that are directly affected by the Judicial Review, who decides what complaints are affected then? The banks? Hardly fair if this is the case.

---

An interesting development to note on the back of this question, I have received 2 letters relating to separate complaints on ppi on cards this week from Halifax stating as follows: (paraphrased but you get the jist)

We have previously confirmed complaint on hold pending decision in JR, we have now reviewed the case further and decuded to offer to settle complaint by putting back into position would have been in had not taken ppi. Our redress team will make the calculations and forward remedy shortly. Further we will review the complaint once the outcome of JR is knownand let you know at that stage if any further payment is due to you from us.

This was a new one on me so rang Halifax to check, confirmed will pay out now + further if required under JR, aparantly this is not a wholesale solution but they are applying this to a number of complaints subject to certain criteria (as usual unable to tell me what that criteria may be, apparantly their systems automativally flag up which cases qualify)

Is only one lender and may only be a small percentage of cases but does this show maybe the FSA threats to firms not dealing with complaints have had some effect or maybe do we think they are getting nervous now the judgement is getting colser?

[MBD23]

Re: Latest updates on PPI Judicial Review and claims on hold

IMO if the judge rules for the banks then there is no point having the FSA or the OFT as that undermines everything they are supposed to do.

the courts being involved dont only give the banks a get out but also any MP, they will simpyl say they are very sorry for you but the outcome is now subject to a judicial review and we will have to await the outcome of the courts
realistically what can anyone say apart from that
if the case is so clear cut the courts will rule in favour
if not, then the banks were right to bring the case "legally"

all anyone in "power" can tell you at this stage is, await the result of the judicial review , their hands are tied, they wont hypothesise as to what this means if the courts should win to the normal man and woman in the street who have missold to by the banks in exchange for a quick buck