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  1. Ganpati23 reported unknown with the number 01618146802

    If you think you might be owed for PPI, you could just contact the Financial Ombudsman who will do it for free. That's what we did about 18 years ago before anyone had heard of PPI. My partner noticed it on her bill one day and rang the bank to ask what it was. They explained that it was insurance against her losing her job. She explained that she had never asked for this because she was not employed at the time. We were travelling the world together. She said she wanted the money refunded as she had never asked for it. They said she had ticked the box asking for it on the paperwork. She said that she remembered when she applied for the credit card, and it was the bank worker with the form and pen, who asked the questions and he filled in the form. She would never have asked to pay for something that she would never be in a position to use. She didn't fill in the form. So your bank worker must have just filled it in and checked that box anyway without asking. They refused to refund the money, so we got in touch with the financial ombudsman. Together, we fought the bank for several months, and we were refunded every single penny plus interest. Now because obviously quite a few other people were contacting the financial ombudsman about this issue, they were able to work out that it wasn't a series of random mistakes, that was part of a deliberate ploy by the banks to add PPI insurance to people's credit card bills without them knowing about it. That's why the financial ombudsman contacted Parliament with the evidence and got the legislation passed making it easy for anyone to get back the money they had had stolen from them by the credit card issuing bank. You should use the financial ombudsman. They're great. We had an insurance company where we were in insured for up to £10,000 Worth of electrical goods. They came round to do checks, and offered us £5,000. We said no. We make documentaries for fun in our spare time and we have lost an awful lot of camera and computer equipment. So please give us the money to replace everything that has been stolen. A couple of weeks later, the insurance company contacted us to say that we had misinformed them and therefore we were not going to get single penny. We contacted the financial ombudsman to help us fight this. I said to the insurance company that if you give us a copy of the phone call where we took out the policy, you will see that all the information we gave you was true. They said they didn't have it. I said but it says that all calls are recorded for training and quality purposes. They said yes, but we don't know where your recording is. So we contacted data protection, paid £10, and they force the insurance company to send us a CD with every single phone call we had ever made to them. I went through the 30 minute phone call where we took out the policy with a fine tooth comb. I wrote a long letter to the financial ombudsman, saying things like if you listen from 21 minutes 15 seconds to 23 minutes 10 seconds, you can hear that they ask this question and we say this in response. I must have quoted about four different parts of the phone call including time codes. We had been fighting them for well over a year by this point, and the financial ombudsman now insisted that they pay up. The Insurance company rang us when we were out one day to say that they would pay us £10,000, as that was the maximum the policy covered us for. We are asked if this included interest. They said no. We said the financial ombudsman had told us to make sure we get to the interest too. They said they would have to call us back, which they did the next day, saying we would get this and that they would add £1,600 pounds in interest. About a week after getting the money, I'm looking on the Internet to buy replacement equipment. I find out that our version of the video camera was no longer made by Canon, and had been replaced by the XL2 which was much more expensive at £3500, so we would have to choose an alternative as we couldn't afford to pay that. I ring back the insurance company to explain this. And tell them that this means my £800 wide angle lens, which wasn't attached to camera at the time, was now useless to me. As it only works with that specific camera. I explained that had they paid up initially, as they were meant to, then we would have been able to buy the original camera and to be able to therefore use this lens with it. Now when they paid us, we had signed a form to say that we accepted the £11,600 in full and final settlement. So we didn't really have a leg to stand on. But because of all the shit the financial ombudsman and us had given them over the last 15 months, they said that as a gesture of goodwill, they would give us an extra £800 to cover the cost of the lens, even though this meant that we were now getting paid a total beyond the maximum policy payout amount and beyond the amount agreed in full and final settlement. So by using the financial ombudsman and the data protection act, and being prepared to fight it for a long time, we got almost £12,500 despite them having told us originally that we would get nothing. So why bother letting middlemen take a fee? Why not just contact the financial ombudsman and get them to do it for you for free? They are good people. As are OfCom, who sort it out every time a telephone or broadband company tries to rip you off. Best of luck, everyone. I hope you all gets paid what you are owed.

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