There may be a check list but if you knowingly bought it you have no right,nor does your IP to make a false claim,just because claims arent being contested!!
Paul
Discharged today the 8th feb 2012. View is much brighter now.
Continuing to rebuild our credit worthiness.
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by plasticdaft
There may be a check list but if you knowingly bought it you have no right,nor does your IP to make a false claim,just because claims arent being contested!!
Paul
Completely agree with you there Paul. As I said before I only took it out once in my life when I was told I wouldn't get the loan if I didn't.
To whom it may concern...Let's leave it experts to decide on what constitute PPI 'misselling' and not try to be an a 'forum expert' on subject.There are no forum experts here on this forum on the PPI subject!
Now no PPI firm or financial Ombudsman will support a 'false claim'.I actually prefer the term 'No claim'.
The PPI misselling questionnaire produced by the Financial Ombudsman ask people to say why they believe[your opinion} you were mis-sold PPI for a cliam.Completing this form and sending it to the bank isn't making a false cliam - you are giving reasons why you think it is missold to the best of your knowledge. It's as fair as it can be to gauge misselling with the Financial Ombudsman as a 'referee' -really you don't need any firms to do that. Go to Martin Lewis's website for advice.
I had a phone call yesterday from Equity in Finance yesterday asking if I had got the letter. I said that I had and that it raised some questions as I don't recall ever taking out PPI or if I did it was years ago and I had no problem with it, the guy I was speaking to said that after the claims were investigated and no problem found with how they were sold then no claim would be made, but he said there were a lot of what he called "stealth PPI's" tagged onto loans without people knowing.
I asked about where it stated in the application pack that there was a chance we could be called to testify in court if the claims were contested and the problem that would cause if I felt I had not been mis sold it in the first place, he said that this has never happened and since the banks lost the court case earlier in the year this should not still be being put in the application pack that was sent out.
Anyway just thought I would put this up for others to see, i'm still in two minds about returning the pack and will be speakinf to DFD later in the week about it.
Now, what a lovely reassuring email....see..it doesn't hurt to have a claim assessed by whoever.Now if only EIF had come on here to say all that. Declan wasn't the man for this.
Your email has done what that PPI forum thread failed to answer but
generated lots of hot-air on link-up between DFD and EIF...don't care to be honest.
Nomoremoney -- you might not care --as is your perogative, but others do. The threads on this forum at least get everybody thinking about various subjects and none of us need to be an "expert" to have an opinion or venture an idea.
And filling in the F.O's questionaire with " I do not bvelieve I was mis-sold PPI" would be a waste of everybodies time.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
I also think that to have a knock at Declan is wrong. He is great on the forum and has helped a lot of posters with various problems. Just because he cannot help with PPI (and he has done his best) does not mean he cannot help in other areas.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
I think fuzzy logic has answered a question which others have failed and bogged down with conspiracy theory in the business dealings of DFD. It aren't anyone's concern?
We now know no one will go to court in the EIF cases to defend their claim which was unknown till half an hour ago. It's what is useful information.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
font size="1" face="Verdana, Arial, Helvetica">quote:<hr height="1" noshade>Originally posted by nomoremoney
I think fuzzy logic has answered a question which others have failed and bogged down with conspiracy theory in the business dealings of DFD. It aren't anyone's concern?
We now know no one will go to court in the EIF cases to defend their claim which was unknown till half an hour ago. It's what is useful information.
So save the needless words.....
To be precise, we now know that no-one has been to court to date. Not that no-one will go to court. However unlikely, it is still a possibility.
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
You are playing with words foggy,alluding to as ifs and maybes , the answer is still no answer.I do not cliam I know and as you are forum expert it is not unfair for you to address tough questions.That is why you are here?
Last edited by nomoremoney on Sun Dec 11, 2011 10:54 pm, edited 1 time in total.
Oh skippy ,I would say that the greatness of a nation is judged by how it does not abuse and mismanged debt....dont you agree.....the animal treatment thing....you got to be a veggie to stand by that statement? If you are Bravo.
Last edited by nomoremoney on Sun Dec 11, 2011 11:11 pm, edited 1 time in total.
Nomoremoney - those are unnecessary digs at people who've done nothing to deserve it. You obviously haven't received one of the letters from PPI claims companies on behalf of IPs or you would know we are not being asked to sign investigatory questionnaires, but to potentially purgur ( not sure how it's spelled) ourselves.
sorry, I have received those investigative PPI papers,and ask to sign or else why I am I posting duhh, but I am NOT doing anything till I get the facts.So far I have got some facts here but a lot of uncertainties..
If you don't know say you don't know, I'll ask somewhere else.This aren't the only forum on the web.
Last edited by nomoremoney on Mon Dec 12, 2011 12:14 am, edited 1 time in total.
