Tweet
Re: Latest Update on PPI Judicial Review - NO APPEAL - get your claims in......
(I've seen docs on here or somewhere DS whish pay 8% as a cheque and PPI refund to the balance----Di will know also-pm her)
Originally posted by The Debt Star
View Post
FD have said they will look again at my PPI claim if I send THEM copy statements going back to 2002.
They had offered a derisory £150 on a £1500 claim, saying that they didn't have to go back more than 6 years. When I challenged this they backed down and asked for proof of PPI going back beyond that point.
I had statements from a SAR sent to FD but I sent these onto the FOS with the PPI quezzy and claim form. I am trying to get them back and will return them to FD. I know its crazy FD asking ME to send them copies of statments they sent me (!) but their PPI people said they don't have access to that data and TBH I just want to close my file and move on soonest. So I'm not all that fussed about obliging them in this regard.
Ok, FD have said verbally that they may well refund my entire claim but won't send any refund direct to me because I have an outstanding debt with them.
True, I do. However, what happended was that in 2002 I took out a credit card and was mis-sold the PPI I am now claiming back. In 2006 that card was closed and the balance transferred to a loan comprising one "super debt" of CC balance, an outstanding loan and an overdraft. The debt itself is technically an overdraft as it is attached to my FD current account.
FD are saying they will only off-set the credit card PPI against that debt.
My questions are:
1. Is there any way I can argue that they should pay me the full PPI direct and not of-set it as the credit card account was closed in 2006?
2. Are they entitled, as they claim, to apply the statutory interest of 8% due on the PPI to the outstanding debt as well?
They had offered a derisory £150 on a £1500 claim, saying that they didn't have to go back more than 6 years. When I challenged this they backed down and asked for proof of PPI going back beyond that point.
I had statements from a SAR sent to FD but I sent these onto the FOS with the PPI quezzy and claim form. I am trying to get them back and will return them to FD. I know its crazy FD asking ME to send them copies of statments they sent me (!) but their PPI people said they don't have access to that data and TBH I just want to close my file and move on soonest. So I'm not all that fussed about obliging them in this regard.
Ok, FD have said verbally that they may well refund my entire claim but won't send any refund direct to me because I have an outstanding debt with them.
True, I do. However, what happended was that in 2002 I took out a credit card and was mis-sold the PPI I am now claiming back. In 2006 that card was closed and the balance transferred to a loan comprising one "super debt" of CC balance, an outstanding loan and an overdraft. The debt itself is technically an overdraft as it is attached to my FD current account.
FD are saying they will only off-set the credit card PPI against that debt.
My questions are:
1. Is there any way I can argue that they should pay me the full PPI direct and not of-set it as the credit card account was closed in 2006?
2. Are they entitled, as they claim, to apply the statutory interest of 8% due on the PPI to the outstanding debt as well?
so have 2 in with the fos probably won't know the results in this century lol
Comment