zwrot PPI

[patryk32]

Mam pytanie , czy ktos z was ostatnimy czasy starał sie o zwrot PPI z loydsa jezeli tak prosil bym o jakis wskazowki jestem juz w angli od ponad 8 lat i dopiero teraz uswiadomilem sobie i wyczytalem ze nalezy mi sie zwrot gdyz placilem go od karty kredytowej. wyczytalem ze nie warto bawic sie w firmy ktore zajmuja sie odzyskiwaniem bo mozna zrobic to samemu znalazlem forlularz na stronie lloydsa ale nie wiem za bardzo jak mam go wypelnic czy ktos moglby mi pomoc w tym temacie 😳 [/b]

[neonka]

najpierw sprawdz w umowie karty czy faktyczni eplaciles ppi bo nie zawsze sie placi. piszesz,ze jestes 8 lat w uk – to twoj angielski powinien byc na tyle komunikatywny,ze bez problemu powinienes wypelnic jakiekolwiek papiery, a jesli nie to czy to taki problem skorzystac ze slownika lub chocby nawet tlumacza google? 🙄 😆

[Sandgirl]

NA PEWNO nie warto starac sie o zwrot przez zadna firme (tzw CMC – Claims Management Company). Pracowalam przez jakis czas w banku w dziale zwiazanym z PPI (ale nie w Lloydsie) i wiem jacy to zdziercy. Jedyne co robia to wysylaja list typu 'nasz klient mial u was PPI i o tym nie wiedzial/nie mial wyboru/itp), to bylo niezgodne z prawem, nalezy mu sie zwrot, bla bla. Samej/samemu mozna taki w 3 minuty napisac. Plus dolaczaja FOS Questionnaire (mozna go sciagnac stad: http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html) ktory i tak klient musi wypelnic.
Mozna sie zglosic do banku i oni ci wysla nawet ten formularz sami. Wiem ze do niektorych ludzi banki same wysylaja te formularze, miedzy innymi dlatego zeby ich klienci nie szli do szakali z CMC. Bo, nie napisalam wyzej, za dolaczenie do wypelnionego przez klienta FOS Questionnaire ichniejszego template’owego listu moga sobie zawolac nawet 40% (!!!!!!!!!) tego co dostaniesz od banku.

Ogolnie to czy ci sie zwrot PPI nalezy zalezy od kilku czynnikow – np czy cie pokrywalo wtedy. Wiele bankow np sprzedawalo PPI osobom samozatrudnionym, mimo tego ze ich by nie pokrywalo. Albo np pracowali w sektorze publicznym (ale to juz jest bardziej skomplikowane). Ogolnie najlepiej sciagnac ten formularz, mozna dolaczyc jakis tam list ze mialas/miales PPI i uwazasz ze nie powinnas/powinienes go miec. Na formularzu jest sekcja gdzie mozesz napisac dlaczego uwazasz ze zostalo ci sprzedane bezpodstawnie.

Nie jestem pewna czy mozna ten formularz oddac do dzialu w banku, ale banki powinny miec gdzies na stronie adres gdzie korespondencje odnosnie PPI nalezy kierowac.

To chyba wszystko odnosnie tego tematu. I napisze raz jeszcze: TRZYMAC SIE Z DALEKA OD SZAKALI Z 'CMC’!!!!!!!!! 🙂

[king001]

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