M & S refusal

cadwallader · 2nd July 2009, 07:58

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

alanalana · 4th July 2009, 03:15

Send a copy of this letter and a complaint to the Financial Ombudsman autolinker.com autolinking image

Service. Let the fos make the decision not M&S.

Links that may help with your claim for Mis-sold PPI
Financial Ombudsman 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

cadwallader · 4th July 2009, 07:10

alanalana

Thanks. Will follow your advice.

Regards

C

2nd July 2009, 07:58	#1 (permalink)
cadwallader Basic Account Holder Protect your signature with SignGuard Cagger since : Apr 2009 Posts: 148	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

4th July 2009, 03:15	#2 (permalink)
alanalana Site Team Try our eBay sniping service Cagger since : Nov 2006 I am in: Cumbria Posts: 4,528	Re: M & S refusal Send a copy of this letter and a complaint to the Financial Ombudsman Service. Let the fos make the decision not M&S. Links that may help with your claim for Mis-sold PPI Financial Ombudsman 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.

4th July 2009, 07:10	#3 (permalink)
cadwallader Basic Account Holder Protect your signature with SignGuard Cagger since : Apr 2009 Posts: 148	Re: M & S refusal alanalana Thanks. Will follow your advice. Regards C