Won ppi case/problems getting the money

[di30]

Hi all I am new to this helpful site and hope perhaps someone can give me some advice I'm seeking regarding a settlement refund.
Thank you.

It was agreed and finalised by the FOS in October 2007 that we were mis sold a ppi that was sold along with a secured loan we had with Nemo personal finance last yr, (this was an advance), we were told by these that we had to take the policy or borrow more to pay off the exisiting ppi cover !.

Anyway the complaint has been with the FOS since No 2006, over a year ago now and as stated above, finally resolved at long last.:okay:

Problem is now that its binding between us and the company we have not heard a thing yet, not even a letter from nemo to confirm this will be sorted etc etc with the figures !
Apparently as informed by the FOS and our adjudicator they have a month to do this from the date they were given the information which is a month now but they have a deadline date to sort this out by early Dec, which is almost here.

We contacted nemo last week just to ask on the progress of the settlement refund and were informed the manager for this side of things was away until the 28 Nov 07 and will deal with it then, so as that was today we decided to again contact them and was then told the complaints manager was not in, so in the meantime we checked through other tel numbers and come across another, got through to someone else and was told he was in and they will get back to us shortly by telephone call.......we waited a good while then received an email from them to inform us 'anything we needed to know the FOS should be able to help as they have not got any information regarding the complaint and settlement to be paid etc etc' , so due to this we got hold of our caseworker from the FOS who then emailed a copy to both us and nemo to state the information was sent to nemo solicitors (eversheds - Cardiff) on 22nd Oct 07, and requested to urgently pay this settlement payment out !

Nemo again tried to get out of it like they have tried to do so since we first complained, and have had many extension dates given to get paperwork done and even prolonged it by not giving us the settlement figure when we wanted to remortgage, which had taken 3 months to get this from them !
Looks like they are trying to pull a fast one again.

Now that we have finally remortgaged at the end of August 07, nemo have to pay the full amount of ppi, plus interest added and what we had paid, and also advised from the FOS for £250 compensation on top for the inconvenience.

I would like to know if possible, if they are given a deadline date and have not sorted or paid this out to us yet, what the procedures are ?
Please could someone advise me on this, that will be a great help, thank you so much indeed.:okay:

Cheers.
Di.

[Amethyst]

Re: Won ppi case/problems getting the money

Hi Di

Welcome to the site - just having a read

[Nattie]

Re: Won ppi case/problems getting the money

Hey Di,
am trying to find the information out about failure to comply with the FOS and am having difficulty doing so.
Have you asked the adjudicator what would happen if they failied to comply?
Has he given a final decision even on compensation?

[thephoenix]

Re: Won ppi case/problems getting the money

Hi Di

I cant believe that Nemo haven't sorted this out yet. We did say you will have to badger them day after day after day

Do you still think aaron is a lush name :kiss:

We'll get some info for you.

[Amethyst]

Re: Won ppi case/problems getting the money

Aye the FOS are pants at information....seems you can enforce the binding award in court but we dont want to go that far. You got the boys on the case now anyway :kiss:

[thephoenix]

Re: Won ppi case/problems getting the money

aye, get on to FOS in the morning and find out the next step. Kepp an eye on here though for any possible developments.

Let us know what they say......:roll:

[di30]

Re: Won ppi case/problems getting the money

Hi Di

I cant believe that Nemo haven't sorted this out yet. We did say you will have to badger them day after day after day

Do you still think aaron is a lush name :kiss:

We'll get some info for you.

:okay:Wow, hi aaron lol msl: i'm not stalking you honest :roll:.
Yes I still adore that name :kiss:.

Yes we are still hanging about waiting for 'Nemo' :rolleyes:, will pester their socks off today, if nothing still done then will have to take another route , look forward to hearing from you with some info..........cheers.:okay:
I also know the FOS are expecting to hear from them by today too, they will then get back to me......hopefully anyway.:okay:

Nice to hear from you
Di.

[thephoenix]

Re: Won ppi case/problems getting the money

Glad you came over.....I assume you got my newsletter?

Yes.... let us now what FOS say and find out all the options to enforce the FOS's decision and any penalties for Nemo for failure to comply with the FOS's decision.

.....and yes, it's also good to hear from you again

[di30]

Re: Won ppi case/problems getting the money

Blimey, I had forgotten about the newsletter, yes I saved it cheers, will get on with it :okay:, with this and that going on it slipped my mind, but will get it done asap , thx.

Will let you know the minute I hear something .
And find out about the all the other options if nemo fail to comply with the FOS etc :okay:.

Its a great site isn't it and so glad to be here,. Thx.

Cheers.
Di.

[enaid]

Re: Won ppi case/problems getting the money

Just popping in to say hello, I see you are well sorted on the help side. We have a social side too, so if want a chat or a laugh pop in the Lamp Post or the chat room Enaid x

[di30]

Re: Won ppi case/problems getting the money

Hi Enaid :okay:

That's lovely thank you for the invitation to the 'lampost & chat room' , will get on there shortly, wow this site has it all.:carrot:.

Speak to you all soon then, cheers so much.:okay:.

Di. x

[di30]

Re: Won ppi case/problems getting the money

Oops almost forgot to mention.....thanks LP from CC, known as Maxie Girl on here for giving me the link for this site, :okay:, its a very helpful site with lots of helpful advice and support, so thank you so much.
Di. xx

[di30]

Re: Won ppi case/problems getting the money

Hi an update !:okay:

Nemo have been ignoring all emails , we are fobbed off when it comes to ringing them :rolleyes:, the FOS have now suggested to wait until the 5th and if we have not heard by then, then we should complain to Nemo , but this isn't going to do anything, nemo have even ignored the FOS and have not responded the them either.

So maddening !

Di.

[WendyB]

Re: Won ppi case/problems getting the money

Not sure on this, but could you file an N1 at Court, along the lines of the FOS told them to pay up, and they haven't complied?

[enaid]

Re: Won ppi case/problems getting the money

I was thinking of a court action, not sure which one though. Suppose it all depends if the FOS's decision is a legal one. From what I have seen the FOS don't have much authority at all TBH.