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Re: Underwriter success PPI
Hi Celticbhoy,
Right you are, any driving lesson does not stand a chance to compete with a stress level when Santander is driving us mad.
About FLA, not the FOS.
Is that a store card?
They do not refer you to the Ombudsman when for one or another reason they were not regulated when you applied for the card.
I know that it is always the case with store cards before 2005, most of which ended up with Santander.
I thought the underwriter will be Genworth. It is often with Santander.
Genworth were regulated and if they reject, your case can go to the Ombudsman.
You are absolutely right, they, Genworth, were paying out at first, they upheld our lovely Di's case, then her fabulous letter helped a lot of people, but, unfortunately recently they started to reject and repeat Santander's letters word for word, became, sort if, an exention of Santander.
The only difference, you can take your case to the FOS, should they reject.
For your information I enclose our thread about Genworth
http://www.legalbeagles.info/forums/...lease&p=419445
Di's letter is a dynamite. It might work.
If they reject, you can take it to the FOS, which will be a long process, may be even 3 years (it is longer than usual FOS when it involves underwriters), but it is worthwhile.
I had PPI with 9 different companies and they all refunded, all my cases were upheld eventually, most of them without any problems and stress free.
HSBC initially rejected, but after my email to their CEO reconsidered straight away and also payed extra as a gesture of apology.
Then House of Fraser card, Santander case started, and it became a real House of Horrors.
However, the feeling when you eventually win, is priceless. It "erases" all this stress you are going through now.
When my 2 cases, I mentioned, were rejected, I emailed to the CEO offices.
I did it in both cases, after rejection, first to the HSBC CEO, and second time, to our favourite bank Santander's CEO.
We have the email address available, should you wish to take that route.
HSBC upheld within 5 days with the apology letter.
With Santander it took much longer.
I think I sent them 3 emails to the CEO department and they upheld with apology as well.
However it took 4 months since I started my complaint with Santander, over a months since it got to the CEO, and I got 3 letters of rejection from their complaint department, last one written by the head of PPI complaint department, confirming that my case will not be upheld.
You can appreciate how worthless their statements are, if eventually it was not only upheld, but they also added a compensation for handling it so badly.
I know it is a long time, but well worth it. It still sooner than would gave been with the FOS.
I was determined and turned my "boiling blood" and fury into something positive, a learning experience
I decided to learn all their tricks and design the ways to bring them to light.
While my case was still going on I promised one of their representative that after I observed their truly shameful bahaviour and coming to conclusion it was a pattern, I was going to dedicate any available time I got to helping others. I told him that it was not anymore just about my case, but it affects a large number of public.
He was patronising on the verge of insult and told me he was impressed with my social orientation etc. I still have a recording (by permission ) of my telephone conversation with one young woman, who was openly mocking me.
Neither of them thought I would have strength to keep going till I win, which I did nor did they think I would keep my word and try to fight for other people every case with that company. , which I come across.
It was their mistake
I am telling you all that to "programme" you to win, win, win!
I did not directly threaten them with court, but I made it clear that I would go "as far as necessary"
I copied all my communication with their CEO to my MP in the same email.
I think altogether I emailed 3 letters to the CEO department, as I mentioned before.
I am happy to share all of themthat is the reason I saved them, for future help to other people.
Everybody's victory where that company is involved, for me is personal
Our friend Loulou, who posts a lot here on LB, had a similar situation. It did not even take her as long as me to get things resolved also via CEO office. She posted all her updates.
In Loulou's case it was pre-existing medical condition.
In my case it was my occupation and self employed status.
You mentioned you were self employed.
Which sort of occupation? It may be helpful.
Though they say they cover some cases of self employment, however it often involves so called "onerous" conditions, which should be clearly explained to you prior to your agreement, which, of course was never done with most of the cases I heard about.
We have to look into your self employment angle.
About small claim court.
I mentioned that another friend of ours, L'pool, after going through similar disgusting experience, informed Santander that she was taking them to court.
They did not give it at first and acted like it did not matter.
You see, people are often bluffing and just threaten, not really thinking of doing that. Court might sounds scary.
Really, small claim court is nothing to be afraid of for us, we have nothing to lose.
However, it is a lot to worry about for the banks.
L'pool, our expert, can explain all the details and give a great advice.
The date was set for September, and than they offered to L'pool to settle out of court, repaying everything and more for distress etc. L'pool is wonderful and offers help in that direction, should it come to that. Her posts are very helpful.
Everybody here, on LB, is fantastic.
You have best support
Victoria
Hi Celticbhoy,
Right you are, any driving lesson does not stand a chance to compete with a stress level when Santander is driving us mad.
About FLA, not the FOS.
Is that a store card?
They do not refer you to the Ombudsman when for one or another reason they were not regulated when you applied for the card.
I know that it is always the case with store cards before 2005, most of which ended up with Santander.
I thought the underwriter will be Genworth. It is often with Santander.
Genworth were regulated and if they reject, your case can go to the Ombudsman.
You are absolutely right, they, Genworth, were paying out at first, they upheld our lovely Di's case, then her fabulous letter helped a lot of people, but, unfortunately recently they started to reject and repeat Santander's letters word for word, became, sort if, an exention of Santander.
The only difference, you can take your case to the FOS, should they reject.
For your information I enclose our thread about Genworth
http://www.legalbeagles.info/forums/...lease&p=419445
Di's letter is a dynamite.
It might work.If they reject, you can take it to the FOS, which will be a long process, may be even 3 years (it is longer than usual FOS when it involves underwriters), but it is worthwhile.
I had PPI with 9 different companies and they all refunded, all my cases were upheld eventually, most of them without any problems and stress free.
HSBC initially rejected, but after my email to their CEO reconsidered straight away and also payed extra as a gesture of apology.
Then House of Fraser card, Santander case started, and it became a real House of Horrors.
However, the feeling when you eventually win, is priceless. It "erases" all this stress you are going through now.
When my 2 cases, I mentioned, were rejected, I emailed to the CEO offices.
I did it in both cases, after rejection, first to the HSBC CEO, and second time, to our favourite bank Santander's CEO.
We have the email address available, should you wish to take that route.
HSBC upheld within 5 days with the apology letter.
With Santander it took much longer.
I think I sent them 3 emails to the CEO department and they upheld with apology as well.
However it took 4 months since I started my complaint with Santander, over a months since it got to the CEO, and I got 3 letters of rejection from their complaint department, last one written by the head of PPI complaint department, confirming that my case will not be upheld.
You can appreciate how worthless their statements are, if eventually it was not only upheld, but they also added a compensation for handling it so badly.
I know it is a long time, but well worth it. It still sooner than would gave been with the FOS.
I was determined and turned my "boiling blood" and fury into something positive, a learning experience
I decided to learn all their tricks and design the ways to bring them to light.
While my case was still going on I promised one of their representative that after I observed their truly shameful bahaviour and coming to conclusion it was a pattern, I was going to dedicate any available time I got to helping others. I told him that it was not anymore just about my case, but it affects a large number of public.
He was patronising on the verge of insult and told me he was impressed with my social orientation etc. I still have a recording (by permission
) of my telephone conversation with one young woman, who was openly mocking me. Neither of them thought I would have strength to keep going till I win, which I did
nor did they think I would keep my word and try to fight for other people every case with that company. , which I come across.It was their mistake
I am telling you all that to "programme" you to win, win, win!
I did not directly threaten them with court, but I made it clear that I would go "as far as necessary"
I copied all my communication with their CEO to my MP in the same email.
I think altogether I emailed 3 letters to the CEO department, as I mentioned before.
I am happy to share all of them
that is the reason I saved them, for future help to other people. Everybody's victory where that company is involved, for me is personal
Our friend Loulou, who posts a lot here on LB, had a similar situation. It did not even take her as long as me to get things resolved also via CEO office. She posted all her updates.
In Loulou's case it was pre-existing medical condition.
In my case it was my occupation and self employed status.
You mentioned you were self employed.
Which sort of occupation? It may be helpful.
Though they say they cover some cases of self employment, however it often involves so called "onerous" conditions, which should be clearly explained to you prior to your agreement, which, of course was never done with most of the cases I heard about.
We have to look into your self employment angle.
About small claim court.
I mentioned that another friend of ours, L'pool, after going through similar disgusting experience, informed Santander that she was taking them to court.
They did not give it at first and acted like it did not matter.
You see, people are often bluffing and just threaten, not really thinking of doing that. Court might sounds scary.
Really, small claim court is nothing to be afraid of for us, we have nothing to lose.
However, it is a lot to worry about for the banks.
L'pool, our expert, can explain all the details and give a great advice.
The date was set for September, and than they offered to L'pool to settle out of court, repaying everything and more for distress etc. L'pool is wonderful and offers help in that direction, should it come to that. Her posts are very helpful.
Everybody here, on LB, is fantastic.
You have best support
Victoria
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