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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 1858
    • Jackie62
    • By Jackie62 28th Jan 18, 12:13 PM
    • 6 Posts
    • 2 Thanks
    Jackie62
    PPI succes, but Santander dragging their feet
    HI,

    I got £256 pounds back from Nat West, after PPI was charged on some loans I had way back in the mid-90's. I had no knowledge of this PPI charge as it was never explained to me. They ask lots of questions, but if you can't remember things from back then, don't worry, the money should still be yours.
    However, Santander are really dragging their feet regarding some store cards which I had back in early 2000's, which again I was charged PPI without my knowledge. I've had 6 letters from them now, plus a questionnaire, which was the same form that I filled in online! They keep asking me for more info, but I have told them I cannot remember everything, only that I was missold PPI on these cards; they have the account numbers of both of them.

    Don't give up on claiming, they want to try and stop you I think, such a different experience to Nat West.....Santander are terrible in my experience!!
    • Jacko777
    • By Jacko777 29th Jan 18, 12:59 PM
    • 7 Posts
    • 2 Thanks
    Jacko777
    In regards to claiming back from Natwest, do they send you a letter? Email? Text? Anything to say when they are sending the money?! Iíve been told that they have until 08/02, but to expect it before then. I just donít know if they drop it into my account or Iíll get prior warning.

    Thanks
    • margieb
    • By margieb 29th Jan 18, 1:28 PM
    • 1 Posts
    • 0 Thanks
    margieb
    Help neede.
    I found some statements from Janet Frazer going back 1993 - 2001. On the statements was a payment every month with extra care insurance. I have since moved in with my now Husband and as it was his house ALL Utility bills are in his name. The only things I have at his address are my bank statements/Credit card statements and my driving license. Shop direct have told me that unless I produce documentation from the government eg H.Benefit, Council Tax, Inland Revenue Letter, Utility Bill, then I cannot make a claim. I told them to do a credit search on me and they will see where I live, I did answer all there security questions by the way eg DOB,Address and I even gave them my catalogue number.
    Has anyone else had this problem
    Thanks
    • Moneyineptitude
    • By Moneyineptitude 29th Jan 18, 5:18 PM
    • 19,416 Posts
    • 10,526 Thanks
    Moneyineptitude
    Your driving licence is a document issued by a government department..
    • Jackie62
    • By Jackie62 29th Jan 18, 5:46 PM
    • 6 Posts
    • 2 Thanks
    Jackie62
    Hi, yes, they wrote to me and explained they had found the accounts which I had first discussed with them over the phone. The call consisted of them asking me lots of questions about the ppi and what I could remember. The whole process took about a month from the start to them paying me, straight into my bank account.
    • cbsexec
    • By cbsexec 30th Jan 18, 10:43 AM
    • 337 Posts
    • 1,854 Thanks
    cbsexec
    Used Resolver

    Capital One £365

    Had forgotton all about this account Thank you
    • Matt_C74
    • By Matt_C74 30th Jan 18, 6:16 PM
    • 33 Posts
    • 9 Thanks
    Matt_C74
    I filled in the form on the NatWest website regarding a few loans and credit cards I had with them between 98-08.

    Didn't expect much as I couldn't give many details and don't have any records, after a couple of weeks I got 12 text messages saying they were investigating my complaint - each text had a different reference number - a week or so later and 10 text messages arrived saying that a letter was on the way detailing the outcome of their investigations - again each text with a different reference.

    Last Friday I received a letter offering me £2700 which I promptly accepted. The other offers have now arrived and we're up to just shy of £20000 with 2 credit cards still being reviewed.

    All dealt with by RBS- NatWest in just over 3 weeks (made the initial complaint 4th Jan).

    Just got to wait until they acknowledge my acceptance (7 days or so) and then up to 28 days for them to process payment.

    Today has been a good day
    • Moneyineptitude
    • By Moneyineptitude 30th Jan 18, 11:10 PM
    • 19,416 Posts
    • 10,526 Thanks
    Moneyineptitude
    Last Friday I received a letter offering me £2700 which I promptly accepted. The other offers have now arrived and we're up to just shy of £20000 with 2 credit cards still being reviewed.
    Originally posted by Matt_C74
    With respect, this redress (along with all your payday loan success from last year) indicates that you were in a massive amount of debt.

    How ever did you pay it all off?
    • Matt_C74
    • By Matt_C74 31st Jan 18, 7:57 PM
    • 33 Posts
    • 9 Thanks
    Matt_C74
    Robbed Peter to pay Paul tbh, got into a right old mess when I was younger and more foolish

    A house sale paid the vast majority of them off, a lot of the PPI is historical - earliest around 93/94, a lot of it is interest - nearly 50 percent of the £2700 for example.

    To be honest, without the house sale I don't know what would have happened. I wouldn't have been able to cope
    • motivated
    • By motivated 2nd Feb 18, 5:07 PM
    • 2,559 Posts
    • 4,190 Thanks
    motivated
    I filed a complaint to Everyday Loans about PPI. We were told we needed it to be accepted for the loan etc etc.

    We went direct to them and got turned down then went through Resolver.

    Anyway they did not uphold the complaint as it was our word against theirs. We tried the financial ombudsman who also did not uphold.

    Anyway came home to a letter from the FO stating they find the plevin thingy in our favour and are refunding us £187 We need to sign to accept and they will make a BACCs payment.

    I know it!!!8217;s not a fortune but it!!!8217;s £187 I never had so a bonus there when I thought we were getting zilch

    Still waiting to hear from TSB but am not holding out much hope TBH. Had a phone call about 2 weeks ago checking further information and a text to say they are nearing the end of their investigations.

    We will see what that throws up.
    • Green_Tea28
    • By Green_Tea28 4th Feb 18, 11:06 PM
    • 1 Posts
    • 3 Thanks
    Green_Tea28
    Claimed from Barclaycard last year and was unsuccessful as they felt that I'd been properly advised at the time of selling. This year, they wrote to me and asked me to re-submit my application in light of the Plevin ruling, so I did. They wrote to me advising it was taking longer than they anticipated to look at my complaint. Then last week got a text saying they'd paid but didn't say how much i.e. claim successful. Really thought they'd be like here's a tenner, off you go. Checked my bank account later that day.... £2,400 paid in by Barclays. I've not had any paperwork so no idea which account this relates to (had a Barclaycard and an Egg card).

    Success! Now submitting for the other 17 accounts I've managed to dig up....
    • inapickle78
    • By inapickle78 6th Feb 18, 12:34 PM
    • 2 Posts
    • 1 Thanks
    inapickle78
    Claimed from Barclaycard last year and was unsuccessful as they felt that I'd been properly advised at the time of selling. This year, they wrote to me and asked me to re-submit my application in light of the Plevin ruling, so I did. They wrote to me advising it was taking longer than they anticipated to look at my complaint. Then last week got a text saying they'd paid but didn't say how much i.e. claim successful. Really thought they'd be like here's a tenner, off you go. Checked my bank account later that day.... £2,400 paid in by Barclays. I've not had any paperwork so no idea which account this relates to (had a Barclaycard and an Egg card).

    Success! Now submitting for the other 17 accounts I've managed to dig up....
    Originally posted by Green_Tea28
    This is pretty much what's happened for me too. PPI claim rejected on both Barclaycard and Egg Card (now Barclaycard) then received letter in November saying I could make a new type of claim owing to the high commission. Also had the delay letter on both within the last two weeks, then had confirmation of claim upheld and cheque for nearly £2000 for Barclaycard - I haven't really read the letter to properly understand how they've calculated such a refund, but was much more than expected. Still waiting on letter reference the Egg card but they told me on the phone that has been upheld too, but again unsure how much that might be.

    Have had success with Capital One card and a Lloyds personal loan, so currently clawed back £3000 which has been most helpful.
    We're in the process of enquiring with Canada Life on an old Egg loan too.
    Can I just say a massive thank you for the wonderful Resolver tools! I was loathe to go through a claims management company, so you've saved me both time and money. It really could not be easier!
    • Donny1
    • By Donny1 8th Feb 18, 12:00 PM
    • 1 Posts
    • 0 Thanks
    Donny1
    quick question - looking into using Resolver to progress a claim but what are views on claiming for missold PPI on a credit card where there is still a high balance? I have no doubt that part of the build up of balance was the PPI payments over the years. the PPI has been cancelled now but should I claim or could they close my account (which I can't risk).
    • zx81
    • By zx81 8th Feb 18, 12:05 PM
    • 15,446 Posts
    • 16,363 Thanks
    zx81
    They won't close your account.

    But speed up the process by sending the complaint direct, rather than via Resolver.
    • morganron
    • By morganron 9th Feb 18, 2:08 PM
    • 2 Posts
    • 1 Thanks
    morganron
    On 11th Sept 2017 I made two ppi complaints using Resolver re Plevin with Capital One and Santander, Capital One paid up within two weeks however Santander are still saying there has been a delay and are still looking into the complaint, just called them again on 9/2/18 and told again if I have not heard anything in three weeks call again !!!!! Anyone else being given this run around with Santander ?
    • Matt_C74
    • By Matt_C74 11th Feb 18, 7:08 AM
    • 33 Posts
    • 9 Thanks
    Matt_C74
    Do Plevin complaints have the same rules as others? ie. They have 6 or 8 weeks to issue a full & final and if they don't you have the right to forward your complaint to the FOS?
    • Quaint1
    • By Quaint1 12th Feb 18, 11:03 AM
    • 354 Posts
    • 264 Thanks
    Quaint1
    Plevin Plus
    I'm posting to say a huge "Thank you" - if it hadn't been for the piece about Plevin claims a while ago, I would never have got the letter that arrived this morning.
    I didn't bother claiming mis-sold PPI on either of the two credit cards I had because I thought it wasn't worth it. However, when I saw the Plevin article on one of the MSE newsletters, I thought I might have more of a chance, so I followed the links, used the MSE tools and waited. I got responses from the various companies - three for one of the cards, and today got an offer from one of them (Santander, who took over what started as an RBS card, then Alliance and Leicester run by MNBA) stating that, as I hadn't claimed mis-sold PPI, they investigated that too and decided I HAD been mis-sold, so an offer of £3386.11!
    I was only expecting, if successful, a couple of hundred quid, so this is a major result! And I still have to hear from the other credit card company... The acceptance letter is in the post!
    Last edited by Quaint1; 12-02-2018 at 3:19 PM. Reason: Forgot to name the company.
    • Tan78
    • By Tan78 14th Feb 18, 1:23 PM
    • 8 Posts
    • 17 Thanks
    Tan78
    Capital One Plevin
    On 4th Jan I sent a Plevin PPI claim to Capital One after previously making a PPI claim in 2012 and it was not upheld I had received a letter from them asking me to reclaim under Plevin. I didnít really expect to get much back but thought I had nothing to loose so I used resolver and submitted all my information. Today, I have received a letter from Capital one and theyíre paying me £2319.43 and I will receive a cheque in 10 days. Happy days .
    • motivated
    • By motivated 14th Feb 18, 1:44 PM
    • 2,559 Posts
    • 4,190 Thanks
    motivated
    Thankyou again

    Did the resolver tool thingy and just added all accounts that I could remember. No account numbers just names and addresses.

    Reached the 8 week deadline with TSB today so called up to check on progress. So glad I did. £2,398 cheque will be winging its way to us as we speak. Apparently 2 CCs and a loan. I have no recollection of the credit cards at all. The loan was from around the time of year 1998-2000.

    Also waiting for my £187 plevin to be paid in to my bank.

    So happy right now as I knew nothing of this until made me aware.

    Thankyou Martin Lewis you are a saint.
    • andyca
    • By andyca 15th Feb 18, 11:27 AM
    • 125 Posts
    • 33 Thanks
    andyca
    I initially used a claims company to find if I had outstanding ppi. The Halifax disclosed p.p.i. on two previous accounts. On pursuing the claim myself the Halifax sent me a six (yes 6!) page questionnaire for EACH account. Now, at this moment I'm of the belief that this is a stall tactic : 1. Halifax identified these accounts on disclosure.
    2. Evidently, Halifax already have the details of these.
    3. On recognition of p.p.i. on these,what prevents Halifax
    following this up with the information it already has?
    Has anyone else had this from the bank "that's always giving you extra" hassle ??
    Originally posted by Rick55
    I just got this Questionnaire, it's 12 pages for me (6 double sided), I'm concerned they are just trying to put people off or trying to get people to trip themselves up.
    I've got no idea how much PPI I've paid, could be £1 could be £10,000, I just found a random letter in the bottom of a filing cabinet telling me I had it on a credit card 15 years ago.

    I'm not sure if I should use the resolver tool or complete the form and send it back to Halifax?
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