Not too good news with my packaged reclaim/FOS

[di30]

Re: Not too good news with my packaged reclaim/FOS

Oh look!! Acknowledgment by the end of the day again LOL! At least they have it haha.

Here:

Dear Mr and Mrs

Thank you for your email.

I have noted the points you have raised, and in light of this I am reviewing the information I have on file. I would also reiterate that the ombudsman is reviewing the complaint, independently of myself and the previous opinions of Ms Jarrold. We have a two stage process for situations like this, where either the consumer or business disagree with the adjudicators view.

You have indicated that you wish to raise a complaint about the service you have received. Please note that my manager cannot look at the merits of the complaint, but only the customer service that has been provided. If would like to make a service complaint, please let me know and I will forward on my managers details.

If you have any questions or queries about this, please let me know.

Yours sincerely



Adjudicator| Financial Ombudsman Service

[di30]

Re: Not too good news with my packaged reclaim/FOS

Okey dokey thanks I wasnt sure because it was the int/charges that came with the monthly fee, you know what I mean lol, okay it will work out less then, but still its the principal of it....

I would love to be a fly on their wall reading the email this morning haha! And I want confirmation from them as requested..

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

Right what I do what to know is, should they also be refunding back the Overdraft Interest charge and Overdraft Excess Fees?

might be a separate complaint, stop wondering now and relax. Let's await a response......

[di30]

Re: Not too good news with my packaged reclaim/FOS

Right what I do what to know is, should they also be refunding back the Overdraft Interest charge and Overdraft Excess Fees?

[di30]

Re: Not too good news with my packaged reclaim/FOS

Brilliant!

I thought just as much!

Hubby not long come in from work, read the letter and said to say thank you very much, he is also most grateful, and that its a fantastic letter, he said maybe I will calm down being so manic now! LOL

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

It's nothing to do with Cabot. The bank would refund you. If they try and allow ROSo in favour of Cabot I'll argue it for you as that's wrong as Cabot are fully assigned so it's, politely, fuck all to do with them.

[di30]

Re: Not too good news with my packaged reclaim/FOS

It could actually be around £3K but i do need to sit and work it out, i shall have a go tomorrow with a clear head if i can lol........will be a surprise if its more, saying that interest on top of that figure as well, and will they refund me or Cabot?

[di30]

Re: Not too good news with my packaged reclaim/FOS

Where Bilk? lol!

It must be well over a grand or 2 and interest but i do need to go over it because they may take pref rates into account......grrr.... lol

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

Definitely just working out his cut haha

not me pal. I'm a volunteer here - like everyone else

[TibetanMonk]

Re: Not too good news with my packaged reclaim/FOS

help me out please; approx? ie 1,000's; 10's of thousands..... Lol

im trying to figure logic as to Lloyds refusal to walk away.....

Definitely just working out his cut haha

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

Post 24 are some of the statements of the amounts paid per account and excessive charges on top etc, i could not find them all tho, i blame hubby he was looking through them and wandered off with them, put them down and that was that, bet he binned them by accident lol.

http://forums.all-about-debt.co.uk/s...e-letter/page2

help me out please; approx? ie 1,000's; 10's of thousands..... Lol

im trying to figure logic as to Lloyds refusal to walk away.....

[Never-In-Doubt]

Re: Not too good news with my packaged reclaim/FOS

LOL!!!!

Well the first package account started at October 2000 with a Gold Account, about 3 years on they moved to Platinum, May 2007 to Oct 2009 Premier.

So I am about to send it, shall I do it then?

send it. Go for it

* I refer to it as "upgrade" cos it's too bloody confusing

[di30]

Re: Not too good news with my packaged reclaim/FOS

Post 24 are some of the statements of the amounts paid per account and excessive charges on top etc, i could not find them all tho, i blame hubby he was looking through them and wandered off with them, put them down and that was that, bet he binned them by accident lol.

http://forums.all-about-debt.co.uk/s...e-letter/page2

[di30]

Re: Not too good news with my packaged reclaim/FOS

I'd hate to be in trouble with Niddy. Bloody hell. Good strong letter. Let's hope this is closed once and for all and you get the money you're deserved. And compo on top from the FOS & Lloyds. :P

I know I wouldnt want to be on the other side to him either! LOL Scary! I wish I could write like Niddy! I will learn!! haha!
Thank you TM, this should work! Fingers crossed, or they can then look out! lol, cheers x

[TibetanMonk]

Re: Not too good news with my packaged reclaim/FOS

I'd hate to be in trouble with Niddy. Bloody hell. Good strong letter. Let's hope this is closed once and for all and you get the money you're deserved. And compo on top from the FOS & Lloyds. :P