PPI Questions and hopfully answers :)

[PocketTheDifference]

Re: PPI Questions and hopfully answers

cheers will do.

Right Just a Wee Update, I have filled in a form for the FOS to complain about some people, as they ignored my copy to them im moving to the next stage.

Also Can anybody help out to point me towards somewhere i can get financial advice legally as I really need to put my case forward

Cheers All

OPbC

[leclerc]

Re: PPI Questions and hopfully answers

Morning All, thanks for reading,

Phone this Compnay last night, and got i have around £500 left to pay which is awesome and end of a chunkc of wages each month, However they then dropped a bomb shell, i have £1900 plus of just charges!!!!!!! so still one heck of a lot to go. But surely thats a mental amount to try an put on my account, I said to the nice woman on the phone, " this is because you just purposly phone me as many times a day for like£7 and send a letter for £25 a time and will send as many as you can get away with" to which she replied with a sort of aggrement!

Got on the phone then they said "what insurance canx? i can't see one, until i flipped out a little then i got a ohh ye i can see that, but do i trust that?
They are sending me out a statement ha!
Im sick of these people I missed a payment last month becuase of a house move and helpign a friend in need out and they have put my account up for default unless i pay £400 (more than twice the amount i normally pay)
Also Asked if all possible insurances are cancelled (which i dont believe as never had conformation) why have my payments gone up and not evaluated and lowerd??
Have they confirmed in writing that all insurances are cancelled? If they are cancelled after 14 days the likelihood is that the payments SHOULD lower but not as much as maybe you would imagine.
With regards to the 2 payments, did you miss one payment last month?
It the Xmas season and if they take this money Nobody I know partner or family will be getting a single prezzie and to be honest i probably wont be able to travel home for xmas!!

Any help on any points would be muchly appreciated!

OPbC

With regards to change of name, PM Amethyst/Tools and they are the ones that can do that

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Just want to bump this sorry guys, I have until end of december to sort this so xx

opbc

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Morning All, thanks for reading,

Phone this Compnay last night, and got i have around £500 left to pay which is awesome and end of a chunkc of wages each month, However they then dropped a bomb shell, i have £1900 plus of just charges!!!!!!! so still one heck of a lot to go. But surely thats a mental amount to try an put on my account, I said to the nice woman on the phone, " this is because you just purposly phone me as many times a day for like£7 and send a letter for £25 a time and will send as many as you can get away with" to which she replied with a sort of aggrement!

Got on the phone then they said "what insurance canx? i can't see one, until i flipped out a little then i got a ohh ye i can see that, but do i trust that?
They are sending me out a statement ha!
Im sick of these people I missed a payment last month becuase of a house move and helpign a friend in need out and they have put my account up for default unless i pay £400 (more than twice the amount i normally pay)
Also Asked if all possible insurances are cancelled (which i dont believe as never had conformation) why have my payments gone up and not evaluated and lowerd??

It the Xmas season and if they take this money Nobody I know partner or family will be getting a single prezzie and to be honest i probably wont be able to travel home for xmas!!

Any help on any points would be muchly appreciated!

OPbC

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Yep Now i may change it to one ****ed_PPIcustomer :P

Re: PPI Questions and hopfully answers

dude, you and many others

[PocketTheDifference]

Re: PPI Questions and hopfully answers

I orginionaly joined while the Bank charges came out and I was stupid enough to not do anything about it until it was too late hah!!

So I was a little peeved!

OPbC

[leclerc]

Re: PPI Questions and hopfully answers

Hey what does it mean by pished bank customers?

It's a play on words....you need to read the name of the OP

[kevinukms]

Re: PPI Questions and hopfully answers

Hey what does it mean by pished bank customers?

Re: PPI Questions and hopfully answers

I shall take up your advice, ill become a VIP, and get a new name and let you know.

Shame, I like your existing account name! You are one of many pished bank customers!

Re: PPI Questions and hopfully answers

Hi. Well obviously whoever owes the money is the one that needs to do any complaining. Sorry, I haven't been following who owes what etc. But as far as the FOS goes, if the account holder has a grievance against the company he can, at any point, make a complaint to them provided he has exhausted the company's complaints procedure or had inadequate response from them etc.

If the company do not resolve that complaint or if they ignore it then you ask the FOS to become involved. Simples. The FOS usually contact them and ask them to correspond with you about the complaint. When you fill in the official FOS complaint form at that point you (or your dad if its him that borrowed the money), makes the point that the behaviour of the company has caused some distress and incovenience to him , and then spellout what is they have done / or failed to do.

[PocketTheDifference]

Re: PPI Questions and hopfully answers

haha, it is by my feeling,
"
From the perspective of a complaint to the FOS, distress & inconvenience is taken into account when assessing any fine should they adjudicate in yuor favour."

Do you mean once i have SAR them??

From the letter point of view, surely they should have simply put we cannot speak to me and only my father. its like a child has written it and thought Ill just add that little bit just becuase i can, rather than out of neccesity!!

Keep it cming

Cheers D Star!! (another thanks on its way for you!!!)

Re: PPI Questions and hopfully answers

They sound like a VERY unprofessional bunch to me.

From the perspective of a complaint to the FOS, distress & inconvenience is taken into account when assessing any fine should they adjudicate in yuor favour.

Clearly, woeful letters like the one you have just posted up are a form of intimidation "between the lines" and if you do / have complained to the FOS about this company then I, for one, would send them a copy of it as an example of their antics. For starters, is it appropriate for them to refer to this stuff in a letter sending you SAR data? Probably not.

Yes, change your user name if you feel they have some leverage over following your posts. I can't see what leverage they have.

Going back to yuor point about "how" they could have identified you, what ideas do you have? They won't have your ip address or anything like that from posts here so it HAS to be something you have said or posted up that they have latched onto. Curious....

[PocketTheDifference]

Re: PPI Questions and hopfully answers

Oh Just looked through seems like this letter i posted a while ago, I will still need to find the newest with " " on it but this one for now. (ITS shortened by myself to get to the point)

Dear OPB

We acknowladge reciept of your SAR your comments have been noted (HERES THE FUNNY PART) as have your comments on internet forum under user name 'One****edbank_customer'

I feel it would be appropriate to explain fundamental issue which appears to have been overlookeed, which is the facer the above agreement is in your fathers name (it is underlined)

as a responsable lender, pour firm does not pperate a policy which accepts guarentoors under any circumstances, and at the timne of application our firm was given the imprsion that the vehicle was in act for the use of your father. had we been made aware we would not have graned finance.

having check ouyr records, it appers tha thhe inteded userof the vehicle was deliberatley whitheld from out attention, and when discussed with your father the various protection options open to chose to purchase a ppi policy without mentioning he was taking loan out for sombody else.

the above means we are unable to reegard you as an eliglble complainant under the rules laid down by the regulator, becuse we do not hold and for of contractual relationshiop with you. if your father wishes to to raise any concerns then suggest he write to us directly with a clear indication as why he feels he was mis-sold under prevailing circumstances.

Director.
------------------------------- merged -------------------------------
Oh aye I do agree with you aswell, I think your 100% I am posting up here freely and everybody else in the world can see what i write, so why not them.

and again agree with you Dont give a...monkeys either.

I just didnt quite get it when I don't think I have any personal info on here and still they identified me....how??? they must have narrowed me down. I've never used my name, pretty sure never location definatley not before this letter came out, I would just like to know that much, im an I.T boffin so am just contimplating of how exactly they knew it was me...hmmmm the possibilities.

Anyhow, my only issue with them is putting off the PPI claim they owe me!


I shall take up your advice, ill become a VIP, and get a new name and let you know.

appreciate you looking over it all though dude.

OPbC

Re: PPI Questions and hopfully answers

You know what, I bet there's nothing you can do about it because you / we / us are putting up our personal problems for open discussion. We do that of course not just to get help/advice ourselves but so that other people in a similar position can learn from it and be helped as well.

Truth be told, I post up stuff (copy docs etc) that the creditors must know relates to me. But the view I take is that I couldn't give a stuff, since a lot of the advice received (eg from Pinky, Angry Cat, Paul, and other posters who know their beans) is very good and lets the creditors know "that I know" they should be following the letter of the law In other words, it strengthens my hand and when the DCAs screw up I post it on here for everyone to see.

However, if i got into your position where the DCAs/creds are writing to me quoting my posts back to me, I might think twice about doing that, or perhaps you could register a second account (different name) to get the advice you need and which will also help others.

I should imagine that as long as the DCAs/creds aren't breaching your confidentiality (which they can't be simply by reading a public forum and refering to it in private correspondence), that there's diddly sqwat you can do to stop them?