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  • FIRST POST
    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 MSE Wendy; 06-06-2012 at 6:58 PM.
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  • unicorn999
    PPI claim with Investor compensations
    Unfortunatley i didnt find this site till after i had put in a claim with a claims company,the claim has been ongoing for over twelve months,i recently had a letter from the company saying that barclay card wanted more info,i duely replied with the info they wanted,about a month later i recieved another letter saying that i hadnt replied to thier last letter for more info and so they have had to cancel my claim and as a good will gesture they would not charge me for the work they had already done,this immediatley set alarm bells ringing,i phoned the company and was told the letter had been sent out in error,so i asked for a letter to be sent out confirming my claim was still active,nothing yet after a couple more calls still nothing,i phoned financial ombudsman direct surprised how easy and quick and helpful that was,they confirmed the claim was still live and they had just sent the extra info off to barclycard and needed to give them 28 days to reply,so my question being if my claim is successful then the money will be sent direct to me no doubt with a letter from investor compensation soon after asking for thier fee,can i then turn round to them saying that according to them my claim had been cancelled and i have the letter to prove it
  • amersall
    If you have it in writing the claim has been cancelled, contact FOS and let them know this and to let Barclays know that the claims co are not dealing with this claim any more and all correspondence should be sent to you and not the claims co, enclose a copy of the letter from the claims co so the FOS and Barclays have proof of this, this may work but it may not.

    Just to let you know, you were told that the claim was cancelled by the claims co, they said the letter was sent in error, the claim was still live according to FOS, if it was still live then it is the claims co that are dealing with this so be ready for a bill just in case.
    It could be that the claims co have done with your claim but you won't know until the claim is actually upheld.

  • Turkish delight
    Marks and spencer
    I received a letter from M+S about 7 weeks ago stating I may have been miss sold ppi I completed a few questions over the phone I received a letter stating all the loan accounts I have had with them over the years. I was shocked to see ppi had been added to them all I was offered a staggering 13,227 this has been accepted and paid to me all done and dusted in 7 weeks very easy process and well worth pursuing. Just hope my claim with Lloyds is as straight forward !!
  • wasawasa
    I had a response from HSBC and although they agreed I had been misold PPI they had no records. I had had the loan from 1995 and used It all the time until 2000 therefore paid PPI every month for 5 yrs. It is a flexable loan and the facilty is still active now should we want to use it, minus the PPI ploicy which has now been cancelled by the bank. We did use it once briefly in 2007 and they have offered us 227 redress for this very brief period, it was repaid very quickly. I asked HSBC to consider calculating a redress as we have been customers since 1977, they flatley refused, so I have referred then to the ombudsman, it may take over a year, however they have already admitted we were missold, but I am so unahppy with them as we genuinley did pay PPI every month for 5 years. I have sent copies of letters etc to the ombudsman, but can they tell the bank to calculate a redress, if the bank have no records or is it likely that we will we just be told sorry but no? others seem to have much more luck than we did and as genuine missold PPI customers, I at present am very unhappy with HSBC. The saga started with the bank telling us initially there was no PPI on the loan, but we had been phoned by the bank after enquiring to say there was, so one of the letters sent to the ombudsman show they lied to us? Any thoughts on how the ombudsman may react to this, and how long are complaints now taking?
  • totallybonkers
    I made a 7 minute phone call to Natwest (RBS) on Friday, spoke to a very nice and helpful advisor, answered 7 very easy questions and today (Wednesday) they have offered me 120 as a 'goodwill gesture', although looking at the calculations this is what I am due! Cannot complain at that service! Now just to respond and receive my cheque....
    Growing Older is Mandatory, Growing Up is Optional
  • LNRansom
    I submitted my claim with RBS last month and today recieved an offer letter of 10,385!!!

    I'm so glad I finally listened to my Dad as he had been going on at me since the whole PPI scandel came out - I was convinced I wouldn't get anything but with his help in filling out the form, I'm so glad I did!!!
  • amanda12
    ppi claimed
    Im feeling a bit confused. I rang Barclays in December to ask about PPI...and was told I could claim absoultely nothing by a very arrogant custer services person. As I wasnt convinced I went to a claims manangement company.....and to cut a long story short...I have 6 agreements with PPI attached. One has been paid today for overdrafts and the other 5 are being investigated. What really annoyed me is that now im losing 30% to a claims company all because I was mis informed back in December. Is there anything I can do. I have the call on my phone bill to Barclays and wondered whether its worth asking them for a copy of the call.
  • -taff
    There will be nothing you can do. If you asked about 'claiming' then they were entirely accurate, you can claim for nothing on PPI that you have stopped paying. If you had asked to make a complaint, then that would be different.

    It was your choice to use a claims company because you weren't convinced instead of sending a SAR and a 10 cheque.
  • amersall
    I had a response from HSBC and although they agreed I had been misold PPI they had no records. I had had the loan from 1995 and used It all the time until 2000 therefore paid PPI every month for 5 yrs. It is a flexable loan and the facilty is still active now should we want to use it, minus the PPI ploicy which has now been cancelled by the bank. We did use it once briefly in 2007 and they have offered us 227 redress for this very brief period, it was repaid very quickly. I asked HSBC to consider calculating a redress as we have been customers since 1977, they flatley refused, so I have referred then to the ombudsman, it may take over a year, however they have already admitted we were missold, but I am so unahppy with them as we genuinley did pay PPI every month for 5 years. I have sent copies of letters etc to the ombudsman, but can they tell the bank to calculate a redress, if the bank have no records or is it likely that we will we just be told sorry but no? others seem to have much more luck than we did and as genuine missold PPI customers, I at present am very unhappy with HSBC. The saga started with the bank telling us initially there was no PPI on the loan, but we had been phoned by the bank after enquiring to say there was, so one of the letters sent to the ombudsman show they lied to us? Any thoughts on how the ombudsman may react to this, and how long are complaints now taking?
    Originally posted by wasawasa
    As this flexi account is still live, I would have thought that they would have this info, do you have no proof either, don't you get statements every month, even though the account is not used should it not still generate a statement?, I have an account like this with HBOS it has not been used for years but I still get statements monthly and a yearly one.

    You should have done a Sar request with the bank, this may have proved more fruitful for you.

    If they have no proof and neither do you, the FOS cannot get the proof and they may side with the bank.
    This should not take long if there is no proof of the PPI paid previously as there will be nothing to investigate, it may help to send the Sar request to HSBC, enclose 10 and ask for all info they hold on you, this will take approx 40 days but it may, it may not, throw up extra info, 13 years is a long time but you never know.

  • mumof3boys
    Barclays success!
    Just wanted to say we have today received an offer from Barclays of all our payments back plus interest!

    Total of 19.5k ! It was on a secured loan that we had thankfully now paid off! Lesson learnt.

    It has been a long battle and has taken us two years but definitely worth it. Keep fighting !

    Many thanks to this site and all the advice.

  • Zzippyman
    A "no" from Nationwide...
    I received a letter today from Nationwide informing me my claim had not been upheld. A bit of background:
    Our PPI with Nationwide dated from when my wife and I took out a mortgage with them in 1992, at which time we clearly remember the strongly implied message that we would not have been granted a mortgage had we not taken out a mortgage payment protection policy, to 2005 when we paid off our mortgages early. At that time we didn't feel we needed it as our wages were always more than enough to cover the payments if one of us was unemployed/sick etc.. Over time, our careers developed and the mortgage payments became less of a percentage of our income amounts, so we were in a position to pay off our mortgage six years early. We did take out another mortgage on another property in 2001 and increased that amount in 2003, but we declined PPI for those as they weren't necessary as we intended paying them off early as well. During that time, we made one claim in 1993 and another in 2005 for unemployment payment, although we only took payment for the first as we paid off the mortgages before payment of the second in 2005. Nationwide have asked for documentation of my employer's sickness payment arrangements/timescales from 1992 - naturally I don't have them.

    I'm taking my claim to the Ombudsman for two main reasons:

    Firstly, as I've highlighted in bold above: "the strongly implied message that we would not have been granted a mortgage had we not taken out a mortgage payment protection policy". Nationwide have argued that we had PPI explained to ourselves when we applied for the mortgage (which is true, we did tick that box), but we clearly recall feeling we had no choice but to accept it, so we have to argue our side of the case without any documentary evidence showing what influenced us to tick that box.

    And secondly, Nationwide's argument that our making a claim against the policy in 1993 proves our need for such a policy (they even suggested it was "prudent" in their letter - no change there then). We don't agree, the mortgage amount was easily payable by ourselves at that time, our claim was merely made to collect what we were due from a policy we had been paying for. We feel that our being able to pay off our mortgages early (as we'd planned) proves we had no need for PPI in the first place.

    We feel we have been fobbed off by a "cut and paste" argument that could be applied to any mortgage applicants claim from that time - we simply cannot prove that we sat across from the mortgage arranger and felt pressured into taking out PPI for fear of not receiving a mortgage amount.

    Now I'm not being opportunistic or greedy in my claim, I simply want them to reconsider - and not do it again. I am being moany though
    Last edited by Zzippyman; 08-08-2013 at 1:19 PM.
  • wasawasa
    As this flexi account is still live, I would have thought that they would have this info, do you have no proof either, don't you get statements every month, even though the account is not used should it not still generate a statement?, I have an account like this with HBOS it has not been used for years but I still get statements monthly and a yearly one.

    You should have done a Sar request with the bank, this may have proved more fruitful for you.

    If they have no proof and neither do you, the FOS cannot get the proof and they may side with the bank.
    This should not take long if there is no proof of the PPI paid previously as there will be nothing to investigate, it may help to send the Sar request to HSBC, enclose 10 and ask for all info they hold on you, this will take approx 40 days but it may, it may not, throw up extra info, 13 years is a long time but you never know.
    Originally posted by amersall
    Thanks for your help, no I do not ever get statements and have not for years, I am surprised myself that the bank have not got info from when we commenced the loan as it is still active and potentially could be used. My only thought was that as the FO will be able to see from the letters i sent them recived from HSBC we have been lied to and I was hoping they could tell the bank to calculate an estimated redress, as I know some people get lucky and get an offer without any investigation. Do you that this could be a possibilty?
  • -taff
    We feel we have been fobbed off by a "cut and paste" argument that could be applied to any mortgage applicants claim from that time - we simply cannot prove that we sat across from the mortgage arranger and felt pressured into taking out PPI for fear of not receiving a mortgage amount.
    Originally posted by Zzippyman
    Your wages will not have been enough to cover your mortgage if one of you died, so you did have a need, you weren't single, so you did have a need, you made a claim [instead of using your wages?] so you did have a need.
  • Zzippyman
    Your wages will not have been enough to cover your mortgage if one of you died, so you did have a need, you weren't single, so you did have a need, you made a claim [instead of using your wages?] so you did have a need.
    Originally posted by -taff
    Our wages, individually, were enough to cover the mortgage repayments. Also, had one of us died, the combination of life insurance and death in service payments would have more than covered them. As for making a claim even if it wasn't needed for that purpose, I can only ask - wouldn't you? We'd paid for it after all...
  • Igamogam
    Our wages, individually, were enough to cover the mortgage repayments. Also, had one of us died, the combination of life insurance and death in service payments would have more than covered them. As for making a claim even if it wasn't needed for that purpose, I can only ask - wouldn't you? We'd paid for it after all...
    Originally posted by Zzippyman
    We have had PPI refunded from LLoyds for mortgage PPI and my OH has had PPI refunded from CC - we claimed on both when OH was made redundant which we made clear in our complaint but were still refunded all the premiums plus interest............the complaint after all is that the PPI ws sold to us unnecessarily. I agree with you Zippy
    Be the change you want to see -with apologies to Gandhi
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  • -taff
    Our wages, individually, were enough to cover the mortgage repayments. Also, had one of us died, the combination of life insurance and death in service payments would have more than covered them. As for making a claim even if it wasn't needed for that purpose, I can only ask - wouldn't you? We'd paid for it after all...
    Originally posted by Zzippyman

    Your death in service was only as good as long as you had that job, and unless it was a job in the armed forces or a policeman, could have been terminated at any time.

    Don't expect an uphold at the FOS and you won't be disappointed.
  • amersall
    Thanks for your help, no I do not ever get statements and have not for years, I am surprised myself that the bank have not got info from when we commenced the loan as it is still active and potentially could be used. My only thought was that as the FO will be able to see from the letters i sent them recived from HSBC we have been lied to and I was hoping they could tell the bank to calculate an estimated redress, as I know some people get lucky and get an offer without any investigation. Do you that this could be a possibilty?
    Originally posted by wasawasa
    I don't know what FOS will do to be honest, if HSBC don't have any records of any PPI then they cannot calculate a possible redress, if they cannot find info then they have not "lied" only said you have no PPI as they cannot find it, If I were you, I would try the Sar for 10, it is a long shot but you may get lucky and they may find info.

  • sparkeyMac2
    It's is new to me so sorry if its in the wrong post or not following forum etiquette! I have tried twice to claim ppi on my mortgage taken out in 2000 with Halifax. First time letter back saying it wasn't ppi next letter saying they weren't upholding my complaint because of their internal sales notes, our knowledge of their sales process and documentation at the time, your policy booklet, your application form and your age and employment and medical status at the outset of the policy. I have been made redundant twice in this time and if I had known I had a policy I could have utilised this instead of my savings during these periods of unemployment totalling eight months in three years. Do I have anywhere to go now or do I have to accept this? Hopefully someone can help with my query. Many thanks in advance
  • -taff
    It would not have paid out for unemployment until your garden leave was up and you were signing on unemployed.

    Your next and only step is to send it to the FOS but your chances there are very slim so don't get your hopes up.
  • amersall
    It's is new to me so sorry if its in the wrong post or not following forum etiquette! I have tried twice to claim ppi on my mortgage taken out in 2000 with Halifax. First time letter back saying it wasn't ppi next letter saying they weren't upholding my complaint because of their internal sales notes, our knowledge of their sales process and documentation at the time, your policy booklet, your application form and your age and employment and medical status at the outset of the policy. I have been made redundant twice in this time and if I had known I had a policy I could have utilised this instead of my savings during these periods of unemployment totalling eight months in three years. Do I have anywhere to go now or do I have to accept this? Hopefully someone can help with my query. Many thanks in advance
    Originally posted by sparkeyMac2
    Send this to FOS, use the fact that had you known you had PPI during your 8 months of redundancy, you would have used this.

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