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

[Bill-K]

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

You bet.

You will...!!! :beagle:

[EXC]

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

....Just get me the stuff !!!!!

You bet.

[Bill-K]

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

LOL - it looks like you two guys have got it completely sussed already !!!! THAT stuff sounds like sheer porn as far as the likes of me are concerned. DON'T let me near it, lest I die in ecstacy.

Well......maybe just a peek, then. There are worse ways to die.

....Just get me the stuff !!!!!

Innit, bruv ?

[EXC]

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

I have got a beauty of an idea for an FOI request......lol!! Roll on November

That would be the ''pricing information (in relation to fees and charges)'' that the BBA referred to.

I think that obtaining the guidance the FOS issues to adjudicators on PPI complaints could be really valuable to those making complaints and those who wish to challenge an FOS decision.

[Angry Cat]

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

I don't think you can get personal information under the FoI Act.

http://www.ico.gov.uk/upload/documen...rmation_v2.pdf

No, one cannot.

Re: my own situation, I had tried to find out information under the DPA, as the FOI did not apply to the FOS because they are not a public authority.
But of course, all that would have been provided was information that related to me as an individual.

Hopefully, consumers will be able to obtain information from the FOS under the FOI in due course.

Consumers have a right to know!

However, some time ago I made an FOI request to TS.
I was provided with some information but TS used exemptions and thus I was blocked from have sight of all...it's all a bit of a closed shop, so to speak.

[leclerc]

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

I have got a beauty of an idea for an FOI request......lol!! Roll on November

[Paul210]

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

love the BBA advice on examples of sensitive informations "notes on internal sysytems that may proove inflamatory" whatever could they mean? surely all banks act in a fair and just manner and would never do anything (let alone document it) that may even slightly annoy the gerenal cunsumer - if only!!!

can just imagine the note on clients files - "customer called in regarding claim on policy, fobbed off and told didnt qualify, lets see if has persistance to push further, if does then may take seriously and send claim papers out, until then no further action."

[Paul210]

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

So much for Barclay's upholding claims, got my rejection letter today, usual waffle about advice etc. Of I go to FOS may take a while I know!!
DT

Barclays were only upholding claims that were delayed due to the JR, all other cases i.e. those submitted after this are dealt with under their normal guidelines (although that doesnt necessarily mean you didnt have a case!).

When was your complaint submitted? if before 20 April then should have been caught under their goodwill gesture to uphold, if so its worth pointing this out to them, if not then Im afraid its the FOS lottery for this one.

[EXC]

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

Seriously, does this mean that there will be a helluva lot of dirty laundry being hauled out under our noses for close inspection ?

I'd originally thought that there wouldn't as in my experience with FoI requests to OFT, FSA etc any request for firm-specific information was refused because of exemption 43 of the Act - commercial interest - which is an absolute exemption for anything that could be considered as commercially confidential.

But as the BBA warning issued to banks helpfully makes clear ''Unlike the FSA, FOS is not covered by any statutory prohibition on the disclosure of sensitive information about banks. All information held by FOS therefore, is subject to disclosure under the FOIA.'' And that disclosure of sensitive information only has to pass the the public interest test which will be a matter of discretion for the FOS.

So it's little wonder that commercial confidentiality, and other concerns about the disclosure of FOS procedures, are worrying the BBA.



Freedom of Information
Act and the Financial
Ombudsman Service
(FOS)

The Freedom of Information Act (FOIA) applies to all
public authorities including the FSA. At the time of its
inception, FOS was not subject to FOIA. This was
because FOS is defined as a statutory dispute resolution
scheme – given powers under the Financial Services
and Markets Act 2000 and the Consumer Credit Act
2006 – and not a government department or agency.

Unlike the FSA, FOS is not covered by any statutory
prohibition on the disclosure of sensitive information
about banks. All information held by FOS therefore, is
subject to disclosure under the FOIA.

While FOIA does provide a number of exemptions from
disclosure, almost all of the exemptions involve a “public
interest test”, meaning that the information will be
disclosed unless the public interest in withholding the
information outweighs the public interest in disclosure.
Thus, there is a potentially substantial risk of disclosure
of sensitive information held by FOS.

Some examples of sensitive information that may be
subject to disclosure include: notes from internal
systems that may be deemed inflammatory; pricing
information (in relation to fees and charges); internal
actions involving staff (such as disciplinary actions);
fraud prevention measures (such as floor limits); and
contracts between banks and product providers.

Under FOIA, individual consumers and claims
management companies (CMCs) will be able to make
FOIA requests to FOS. They may be able to obtain
information regarding the procedure FOS follows in
decision-making and this could, potentially, assist CMCs
with the formulation and presentation of claims and
complaints to FOS.

The BBA has been working with members, the Ministry
of Justice and FOS in order to mitigate any adverse
impacts the extension of FOIA may have on members.

[Bill-K]

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

Indeedy Bill, I recently had a refund of one year's worth of packaged account fees after making a complaint to my old 'friends' LTSB

Well done and congrats, Nellie - and YOU for one - DEFFO 'walk the walk.' Poor LTSB must feel like they've been dragged through a hedge backwards by you !!!

[nelliewops]

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

With regard to 'talking tough' - it seems to me that the FSA puts its' teeth in to make such 'tough' pronouncements, but then puts them back in the Steradent jar when they've finished !!! It's no good just 'talking the talk...'
Good to see A&L making an effort, though, EXC.

Indeedy Bill, I recently had a refund of one year's worth of packaged account fees after making a complaint to my old 'friends' LTSB

[Bill-K]

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

How long is November? Give me a shout if you need some FOI stuff being done on November 1st
Fun fun fun in due course

Subject to any new legislation, November is consistently 30 days, mon ami.

Seriously, does this mean that there will be a helluva lot of dirty laundry being hauled out under our noses for close inspection ? Yeukk !!! I'm off to panic-buy some clothespegs and air-freshener, then.

[Bill-K]

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

My cousin has now had her letter from Lloyds on her PP claimI. It was a business loan and and it was a condition of the loan she had to take the PPI policy. Her complaint has now been upheld and they have offered the full premium back (which was taken in one hit) + 8% interest.

Is this correct or should she be asking for compounded interest?

Tuttsi, this sounds like a Single-Premium Insurance, where a single 'upfront' payment of PPI was charged, and then added to the total loan amount at the outset. As such, it will have attracted a portion of the account interest which was charged (usually at a compounded rate) to the account each month. I think she should be asking for this as well. Then, finally, she should be getting the 8% SI on BOTH these elements.

HTH.

[debtisbad]

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

So much for Barclay's upholding claims, got my rejection letter today, usual waffle about advice etc. Of I go to FOS may take a while I know!!
DT

This is yet another example of how the banks are simply rejecting claims t save money. I'm not saying that every claim is valid, but the amount of mis-selling was monumental. That's why people like Angela Knight make me sick, because they won't take any responsibility for their wrong doings. They are a law unto themselves and the politicians don't do anything about it. Wasn't Angela Knight a politician before? Oh yes, She lost her seat in Parliament to Liz Blackman of the Labour Party in 1997. Knight was Economic Secretary to the Treasury from 1995–97, being responsible for bringing in the £2 coin. That's about all she's worth.

[dogtired]

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

So much for Barclay's upholding claims, got my rejection letter today, usual waffle about advice etc. Of I go to FOS may take a while I know!!
DT