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Payment Protection Insurance (PPI) The misselling of Payment Protection Insurance is widespread, and believed to run into billions of pounds. This forum will help you to see if you have a valid claim for a refund, and guide you through the process.

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Old 2nd July 2009, 07:58   #1 (permalink)
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Cagger since : Apr 2009
Posts: 148
cadwallader Novitiate
Default M & S refusal

OH has received the following from M & S after her second letter requesting refund of PPI premium. (basis of claim is she was self-employed at the time)



Are M & S correct in what they say regarding not being an authorised intermediary at the time of the sale?

Thanks

C
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Old 4th July 2009, 03:15   #2 (permalink)
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Default Re: M & S refusal

Send a copy of this letter and a complaint to the Financial Ombudsmanautolinker.com autolinking image Service. Let the fosautolinker.com autolinking image make the decision not M&S.

Links that may help with your claim for Mis-sold PPI
Financial Ombudsmanautolinker.com autolinking image Service

The FSA has outlined 6 outcomes which it aims to achieve:
Treating customers fairly

http://www.fsa.gov.uk/pubs/other/tcf_deadline.pdf

Have a look in here to see if there is further info that could help.
links

aa

__________________
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.
------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement

PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. They have now been given a deadline before FOS action. No response so complaints now with ICO and FOS.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
Post 290 from
***RBS PPI Claim Long fight but, WON***

Please do not PM me for advice as it may be sometime before I can respond.

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
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Old 4th July 2009, 07:10   #3 (permalink)
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Watch out, there are Claims Touts about!

Cagger since : Apr 2009
Posts: 148
cadwallader Novitiate
Default Re: M & S refusal

alanalana

Thanks. Will follow your advice.

Regards

C
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