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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 9th Aug 07, 5:10 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    PPI Reclaiming successes and failures
    • #1
    • 9th Aug 07, 5:10 PM
    PPI Reclaiming successes and failures 9th Aug 07 at 5:10 PM
    Please report your PPI Reclaiming sucesses/failures here

    This thread lists 1000s of stories, click the 'last' link above for the most recent

    Not done it yet? Read the full Loan PPI Reclaiming and Credit Card PPI Reclaiming

    How to report your success/failure?

    1. Click reply to enter you story.

    2. Report your story in the following format:
    • What were you reclaiming: (eg. loan, credit card, store card)
    • Who was the provider: (e.g. Capital One, NatWest)
    • How much did you get back: ????
    • Did you get it back after a letter or did you go to the Financial Ombudsman: ????
    • And then write your brief reclaim tale
    REMEMEBER BY DOING THIS YOU ENCOURAGE OTHERS WHO MAY BE TOO SCARED TO RECLAIM HAVING BEEN MISSOLD.


    What if I just want to discuss PPI reclaiming/ask a question?

    Please do NOT post questions in this thread. Questions may be asked in the PPI reclaiming discussion thread where, although not guaranteed, it is more likely somebody may be able to help you.

    Happy to tell your story in a newspaper/on TV?

    There are over 20m PPI policies in the UK and its a £5bn a year industry; yet I believe a very substantial proportion of those were missold and I want to spread the word. We need to make PPI reclaiming as big as bank charges reclaiming and Mortgage Exit Fee reclaiming.

    I need your help

    To spread the word, I need case studies, people who've been placed on hold or succeeded and are willing to tell their story to encourage others to take on the banks and reclaim.

    If you're willing to do this, please e-mail casestudy@moneysavingexpert.com (sorry but we can't answer questions at this email address) with as much of the following info as you can:

    * how much was your loan/card balance
    * how much did you get back
    * who was your lender
    * a daytime phone number - we often need to reach people at very short notice
    * whether you are happy to appear in the papers,tv or both
    * where you live
    * did you use our template letters
    * did you go to the Ombusdman, court or use a claims handler

    We really appreciate anyone that can help us with this but of course also please report your story below.

    Thanks
    Martin
    Last edited by Former MSE Wendy; 06-06-2012 at 6:58 PM.
Page 1851
    • Moneyineptitude
    • By Moneyineptitude 3rd Nov 17, 11:17 AM
    • 18,712 Posts
    • 9,969 Thanks
    Moneyineptitude
    Life Insurance is not PPI and cannot be mis-sold (unless you are immortal )

    The fact that you found you could not afford the insurance is not a valid complaint either.

    In addition, you've already made a complaint about this in the past and the complaint process does not allow you multiple attempts at complaining about the same thing. If you do "complain", you'll just receive a terse reiteration of your original rejection and you will have no new access to the Ombudsman.

    "Martin" sold this site some years back, he'll never read or respond to your post.
    • Greyhound One
    • By Greyhound One 3rd Nov 17, 3:51 PM
    • 4 Posts
    • 3 Thanks
    Greyhound One
    Finally got the money
    Well the planets must have aligned or the highly unlikely scenario that someone at Nationwide knows what they are doing......the Plevin refund has come in all against my credit card. After a quick phone call the surplus amount is going to my current account by Monday of next week and the cards going to be cancelled (I really don't want it anymore).

    Full complaint has gone into Nationwide because of their shambolic actions, time to now focus on my other PPI complaints and hope I get success with those.
    • DaBa
    • By DaBa 5th Nov 17, 11:15 AM
    • 3 Posts
    • 6 Thanks
    DaBa
    Unexpected payout
    Hi Martin, just wanted to give a vote of thanks to your forum. I had a credit card paid off back in the early 1990’s on which I knew there was an insurance element, however as I no longer had the paperwork I could not remember who it was with. Your site encouraged me not to give up , and finally after approaching numerous companies and being turned down I finally found the right one, CITI Bank, and will shortly be in receipt of over £10,000, much more than I ever expected. All I had to do was give them my personal details and as much info as I could remember on dates it was that easy, so thanks again for your continued encouragement.
    Last edited by DaBa; 05-11-2017 at 11:16 AM. Reason: No subject heading
    • MARKOS72
    • By MARKOS72 8th Nov 17, 4:48 PM
    • 235 Posts
    • 805 Thanks
    MARKOS72
    Haven't been here for a while-good to see the forum still going strong.
    Came home from work to a rather pleasant surprise last night
    Back in 2012 I claimed against Clydesdale Bank for credit card PPI which was ultimately rejected by them and the Ombudsman.
    Jan last year I discovered that all claims against CB were being re-investigated but this could take up to 2 years.
    Came home to a letter stating that they(CB) were at fault now for mis-selling and that they also looked at previous loans I've had with them over the years.
    I am now due to receive a whopping 31 grand (yes I didn't believe it either but its there in black and white)in redress from them (34 grand before tax)
    It's just as well I have a strong heart otherwise I'd be lying in a heap right now....to say me and the missus are pleased is an understatement as we can now clear a few bills and get some home improvements done too.
    All thanks to this site and all the info I received
    Quis custodiet ipsos custodes?
    • diddldonna
    • By diddldonna 10th Nov 17, 10:02 PM
    • 303 Posts
    • 722 Thanks
    diddldonna
    I today have received £600 back from a previous HSBC rejection of PPI, the money is from the Plevin ruling. I got a letter out the blue from HSBC filled in form, didn't expect anything. So its gone straight down on paying off my holiday.
    • Skindles71
    • By Skindles71 13th Nov 17, 2:14 PM
    • 2 Posts
    • 4 Thanks
    Skindles71
    MBNA PPI Success
    I couldn’t believe how easy this was reclaiming PPI and Plevin from MBNA Credit.
    I had a MBNA card formally abbey - i used the MBNA online complaint tool.
    They emailed me 2 weeks later to confirm i had PPI and they would investigate.

    This morning i opened a letter from MBNA to say they have upheld my case and a cheque will be with me in 28 days.

    Now i had to read the letter several times as I thought it was an error.

    Total payable to me £30760

    Thank you MSE
    • Moneyineptitude
    • By Moneyineptitude 13th Nov 17, 2:39 PM
    • 18,712 Posts
    • 9,969 Thanks
    Moneyineptitude
    Total payable to me £30760
    Originally posted by Skindles71
    You must have had an incredible amount of debt on that credit card to receive such a massive refund.
    • Skindles71
    • By Skindles71 13th Nov 17, 2:48 PM
    • 2 Posts
    • 4 Thanks
    Skindles71
    I had the card for years and years - balance went up and down. It was cleared along time ago
    • blackberry2000
    • By blackberry2000 13th Nov 17, 7:59 PM
    • 11 Posts
    • 7 Thanks
    blackberry2000
    I claimed for PPI I paid for after reading Martins blog about banks claiming excessive percentage fees, from First Direct.

    I got just under £6,000, which was a nice surprise as I wasn't expecting anything like that much, and it was also my first attempt after using the Resolver system on the site.
    • Gocat
    • By Gocat 14th Nov 17, 9:28 PM
    • 1 Posts
    • 1 Thanks
    Gocat
    Abbey National mortgage payment care (MPPI)
    A fabulous success story, reclaiming 6 years of premiums for Mortgage Protection Payment Care, provided by Abbey National (Santander)
    I have received a total of £3761.26!
    I used the MSE resolver service.
    I was sold the payment protection policy in 2007 when I bought my current property. The financial advisor recommended the product based on my circumstances at the time. I was a single parent with 2 young children, and self employed. My circumstances changed in 2013, and I stopped paying the premium.
    I later discovered, following research on MSE website among others, that the policy wouldn't have paid out as I was self employed! Such a con!
    Many thanks to MSE 😊
    • dunstonh
    • By dunstonh 15th Nov 17, 10:27 AM
    • 89,518 Posts
    • 55,958 Thanks
    dunstonh
    A fabulous success story, reclaiming 6 years of premiums for Mortgage Protection Payment Care, provided by Abbey National (Santander)
    I have received a total of £3761.26!
    I used the MSE resolver service.
    I was sold the payment protection policy in 2007 when I bought my current property. The financial advisor recommended the product based on my circumstances at the time. I was a single parent with 2 young children, and self employed. My circumstances changed in 2013, and I stopped paying the premium.
    I later discovered, following research on MSE website among others, that the policy wouldn't have paid out as I was self employed! Such a con!
    Many thanks to MSE 😊
    Originally posted by Gocat
    It is a good result for you. However, the product would have paid out for you as MPPI covers the self employed. The rest of your scenario seems to indicate that an income protection of some sort is a sensible thing to have. So, they could probably have defended this case if they wanted to and had a proper audit trail.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Greyhound One
    • By Greyhound One 16th Nov 17, 2:48 PM
    • 4 Posts
    • 3 Thanks
    Greyhound One
    BarclayCard Success!!
    My BarclayCard PPI claim was rejected but on the Plevin front they agreed and I got £5000 which has now been paid. Additionally a HSBC claim has come back accepted and they are sending me £55 so not a bad day.

    Still waiting on Santander over a Burton store card, I chased them but apparently there is a delay because they need to clarify with the FSA/FCA (cant remember who they said on the call) about how compensation is paid due to it being a "grey area" as store cards are different. Sounds like bullplop to me but I will bide my time.
    • zx81
    • By zx81 16th Nov 17, 2:50 PM
    • 14,046 Posts
    • 14,738 Thanks
    zx81
    they need to clarify with the FSA/FCA (cant remember who they said on the call)
    Originally posted by Greyhound One
    Let's hope it's not the FSA...
    • NewcastlePaul
    • By NewcastlePaul 17th Nov 17, 2:25 PM
    • 141 Posts
    • 329 Thanks
    NewcastlePaul
    Successfully Claimed over £30k back


    £9,262 (Lloyds Tsb)
    £8,190 (Barclays)
    £5,708 (HSBC)
    £2,112 (NRAM)
    £1,536 (Bank Of Scotland)
    £1,679 (Barclaycard)
    £0,625 (MBNA)
    £0,563 (Monument)
    £0,317 (Goldfish)
    £0,028 (Capital One)



    That amount allowed me to get rid of 43k worth of debt with full and final settlements.


    Add to that 12 years worth of DMP payments meant that I cleared the £128,596.72 debt I had @ 31st of December 2004
    31st December 2004 - Debt was £128,596.72
    1st October 2016 - Debt Free
    12 years of Stepchange + PPI +F&F
    http://forums.moneysavingexpert.com/showthread.php?t=4862915
    • Kate573
    • By Kate573 17th Nov 17, 4:36 PM
    • 2 Posts
    • 0 Thanks
    Kate573
    Newcastle Building Society
    Can anyone help?
    We sent a letter to the Newcastle Buildibg Society regarding PPI they replied quickly saying
    Yes we have but we signed for it of which they sent us proof that we had .
    They said we had to choose 1of 3 products to secure the Morgage.
    My first question is they had proof sent from my husbands employer that he was paid indefinatley when off sick .
    We feel we were misold this.
    Included in the letter they said if we did decide to go ahead with the claim they would go ahead to recover the extra quarter of a oercent interest which was allowed of which we knew nothing about .
    Very bullying letter ,has anyone any advice as worried about claiming now ..
    • dunstonh
    • By dunstonh 17th Nov 17, 5:18 PM
    • 89,518 Posts
    • 55,958 Thanks
    dunstonh
    They said we had to choose 1of 3 products to secure the Morgage.
    Not uncommon. A number of mortgage deals in the past had an insurance cross subsidy purchase. i.e. to get that deal you had to buy one of their insurance products. That is allowed as long as the insurance was suitable.

    My first question is they had proof sent from my husbands employer that he was paid indefinatley when off sick .
    Are you sure? There isnt an employer in the land with such sickness benefits.

    We feel we were misold this.
    Nothing you have said suggests any missale so far.

    Included in the letter they said if we did decide to go ahead with the claim they would go ahead to recover the extra quarter of a oercent interest which was allowed of which we knew nothing about .
    That is logical. You can't have your cake and eat it.

    Very bullying letter ,has anyone any advice as worried about claiming now ..
    The letter will not be bullying. It has to use a defined method and process. No wishy washy. It can also reflect the tone you used in your letter to them. For example, if you use legalistic language or start quoting acts of parliament or sections of acts then they will often reply in a similar legalstic style. Those can seem quite blunt.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Kate573
    • By Kate573 17th Nov 17, 5:23 PM
    • 2 Posts
    • 0 Thanks
    Kate573
    Newcastle Building Society
    Hi sorry thankyou for your reply My husband got full pay for 6 months and half pay going forward ..
    We didnt write a letter we rang them and they sent a form to fill in ..
    • rwjohnson
    • By rwjohnson 17th Nov 17, 6:43 PM
    • 5 Posts
    • 2 Thanks
    rwjohnson
    I have been trying to get my PPI back from EGG (CANADA SQUARE OPERATIONS) for almost 9 years. I finally went to the FOA who agreed with EGG that I was not entitled to any. Received a letter 28 September from EGG regarding the high commission paid on the PPI policy. The letter states " Our records show that you have previously made a complaint against your Egg card which was upheld. As redress was offered providing a full refund of the premiums paid for the PPI policy, even if the Plevin case were applicable to the sale of your policy, you would be due no further redress in respect of any commissions."
    I have not received a single penny of redress yet they admit the complaint was upheld.
    I have sent a copy of the letter to the Financial Ombudsman who have spoken with EGG (Canada Square Operations) who have told them it was a mistake in the letter.
    Can anyone please advise me what to do here. I have it in Black and White that they upheld my complaint yet still trying not to pay me but stating that they have.
    Do I have a legal stance here ?? Please help if you can. Thanks
    • dunstonh
    • By dunstonh 17th Nov 17, 6:51 PM
    • 89,518 Posts
    • 55,958 Thanks
    dunstonh
    Hi sorry thankyou for your reply My husband got full pay for 6 months and half pay going forward ..
    The ombudsman has been rejecting complaints where there is 6 months full and 6 months half pay when it comes to MPPI. Its a reason that works well with short term unsecured liabilities (loans/credit cards). It is not a reason that works well with long term secured liabilities like a mortgage.

    MPPI pays out in addition to sick pay. So, not an issue. Some types of PPI do not. If yours was one of those, then it would be a reason for complaint.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • dunstonh
    • By dunstonh 17th Nov 17, 6:52 PM
    • 89,518 Posts
    • 55,958 Thanks
    dunstonh
    I have sent a copy of the letter to the Financial Ombudsman who have spoken with EGG (Canada Square Operations) who have told them it was a mistake in the letter.
    Can anyone please advise me what to do here. I have it in Black and White that they upheld my complaint yet still trying not to pay me but stating that they have.
    Do I have a legal stance here ?? Please help if you can. Thanks
    Why do you need a legal stance?

    Canada square have said its the wrong letter. So, that means a new letter will be on its way to you with the correct information.

    A mistake in the letter does not change any outcomes.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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