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

[Paul210]

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

after 8 weeks are up then FOS it and complain to the FSA that you've been told they haven't even looked at the complaint.

My main concern is that FOS will take 10 time longer to get finalised than even HSBC's deliberately slow actions.

[leclerc]

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

after 8 weeks are up then FOS it and complain to the FSA that you've been told they haven't even looked at the complaint.

[Paul210]

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

HSBC have just confirmed that no complaints held due to JR have been looked at yet, they are apparently still awaiting further guidance, cant give an idea when might be looked at, would simply state a letter regarding timescales expected to be issued to all effected complaints in a few weeks.

I note HSBC are not one of the banks to be granted an extension by the FSA, does this mean they will now be fined for their continued failure to deal with complaints???
Forgive me if I don't hold my breath....

Is even more ridiculous given its approx 2 months since JR decision and over a month since confirmed not appealing.

[oorbrian]

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

Request for more info or do offers come this way?

[oorbrian]

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

Arrived home late from work tonight and found that i had a message from my CMC ( a first!) It said that they were sending me three forms for me to fill in and send back to the ombudsman. Is this normal? If so what does it mean. Why do you always get this sort of message when the place is shut? LOL

[Angry Cat]

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

hi just phoned egg credit card girl i spoke to didn't know anything about barclays statement after i told her she said no we're not doing that some are getting upheld and some are getting rejected! where do they get the staff the don't have a clue!

:tinysmile_kiss_t4:

Presumably, the female EGG credit Card telephone operator, didn't know that Barclays PLC bought Egg Credit Cards in March/April 2011, either?

What is the old saying?

If you pay peanuts, you'll get Monleys!

[Paul210]

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

learned colleagues can I ask some advice. A friend has a PPI issue with a double glazing window company. The circumstances are that they offered a discount on double glazing but only if he took out Payment Protection insurance. In reply to his complaint they said that because there was no financial loss to him in that the discount was greater than the PPI £5k compared to £2.5K (inc interest) that they do not think they should pay compensation. They have said that he can refer it to FOS but oddly they also cite that the FOS has never upheld a complaint for the reason that there was no financial loss. My view would be that the 'discount' was merely a reduction on a vastly inflated price and they got the premium and no doubt commission from the broker. They confirmed in their letter that they had recommended the PPI to him based on a set of tick boxes he ticked. Any help would be appreciated.

"The FOS have never upheld a complaint where there was no financial loss" does not relate to these circumstances. It does happen where someone has claimed more in benefit from ppi than they paid premiums i.e. had for 6 months, then claimed for 12 months, then complained - but thats a completely different situation to this.

Their choice to discount the product is a commecial one they chose, FOS will not factor this into any cost versus benfit calculations for an insurance mis-sell complaint.

I would reply to their final response detailing this and see if they just batted back hoping this would go away, best case scenario is they uphold complaint, worst case they say no and you go to FOS anyway. Many people on here would say just go straight to FOS but why join an extemely long queue at FOS for the sake of a letter and waiting 21 days, you never know...

[k77mss]

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

hi just phoned egg credit card girl i spoke to didn't know anything about barclays statement after i told her she said no we're not doing that some are getting upheld and some are getting rejected! where do they get the staff the don't have a clue!

:tinysmile_kiss_t4:

[stevesouth33]

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

They didnt even ask about pre-existing conditions, and although there were none, it clearly was not dealt with correctly.

[leclerc]

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

learned colleagues can I ask some advice. A friend has a PPI issue with a double glazing window company. The circumstances are that they offered a discount on double glazing but only if he took out Payment Protection insurance. In reply to his complaint they said that because there was no financial loss to him in that the discount was greater than the PPI £5k compared to £2.5K (inc interest) that they do not think they should pay compensation. They have said that he can refer it to FOS but oddly they also cite that the FOS has never upheld a complaint for the reason that there was no financial loss. My view would be that the 'discount' was merely a reduction on a vastly inflated price and they got the premium and no doubt commission from the broker. They confirmed in their letter that they had recommended the PPI to him based on a set of tick boxes he ticked. Any help would be appreciated.

You're not taking them to the FOS over financial loss but because the PPI was missold so their argument is irrelevant to your case.

Is the only reason that you are taking them to the FOS because the FOS was not given as optional or is there further policy exclusions that would mean that you couldn't claim on the policy?

[stevesouth33]

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

learned colleagues can I ask some advice. A friend has a PPI issue with a double glazing window company. The circumstances are that they offered a discount on double glazing but only if he took out Payment Protection insurance. In reply to his complaint they said that because there was no financial loss to him in that the discount was greater than the PPI £5k compared to £2.5K (inc interest) that they do not think they should pay compensation. They have said that he can refer it to FOS but oddly they also cite that the FOS has never upheld a complaint for the reason that there was no financial loss. My view would be that the 'discount' was merely a reduction on a vastly inflated price and they got the premium and no doubt commission from the broker. They confirmed in their letter that they had recommended the PPI to him based on a set of tick boxes he ticked. Any help would be appreciated.

[leclerc]

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

Who Owns Who? -Credit Cards - Legal Beagles Consumer Forum

This may well be out of date and require updating but is a good starting point by Nattie.

If someone wants to update this(generally called the "bell the cat" system) then feel free to because unfortunately, I don't have the time to do it myself so that the list can be updated.
Would be helpful IMHO

[Amethyst]

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

Good point maybe we should do a list of which cards are with whom, no good people thinking they haven't got a claim by not knowing there card is part of one of the main banks.

Who Owns Who? -Credit Cards - Legal Beagles Consumer Forum

This may well be out of date and require updating but is a good starting point by Nattie.

[leclerc]

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

The banks seem to have never thought they would lose the court case and even if they did, they were always under the impression that they could appeal....

Why spend millions on dealing with and processing complaints when we can just put them all in storage until that glorious day when we can write to them all with a standard letter saying

" Sorry, due to the recent court case we no longer have to pay you"


Now, Thanks to that wonderful judge

" What do you mean we lost..? " Gulp... What do we do now... ?



As in the immortal words of Sam Beckett of Quantum Leap " oh boy !! "

Just think they were never prepared for this , both the result and the severity of it

best I could find

[gazdarke]

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

Not all are following Barclays then

Lloyd's & RBS won't follow Barclays lead