PPI - Victory is mine, at last...

Old_iron_balls

Hi All

At the beginning of November I posted about cancelling the PPI I had on two loans With TSB.

I was told over the phone twice I could not cancel as its more than 30 days since the start date of my loan.
I decided to put my request in writing and low & behold they cancelled it on one of my loans - £1300 refund !

However, they refused to cancel it on my other loan.
The T&C’s were the same so I couldnt understand why they cancelled it on one loan but not the other ?
I was going to leave it at that, just in case it was a mistake and they refunded me in error.
I had received a refund for £1300 so I should be happy ? :rolleyes:

Hell no, I decided to write in and complain - double standards, mis-sold in the first place, taking my business elsewhere etc etc
My case was passed to the loans customer care team who wrote to me saying they were looking into it.
A week later I received a call from TSB who told me they were sorry I felt the way I did, and would I drop the complaint if they issued a full refund + interest ! ! £2108 


I was jumping round my office like a lunatic but still managed a coy ‘Yes, that should be ok’

So, here I am a month down the line having received a total £3408 in PPI refunds !

I guess im posting this for two reasons:-

1) Im pleased as punch.
2) To show people it CAN be done – dont take no for an answer ! write, write & write again !

I still have a long slog ahead of me but I now feel in control.
I have a sensible budget and have planned my over payments using the snowball calculator.
DFD – around this time next year !

Chin up guys & keep battling away :beer:

DebtFreeDetermined_2

May i ask what ppi means?

Excellent news where the refunds are concerned

pennylane99

isnt it payment protection insurance......

Old_iron_balls

pennylane99 wrote:

isnt it payment protection insurance......

Got it in one

If you do a search there is a whole load of posts on the subject. May be worth a look to see if you can do the same !

johannamse

Het great news...I remember your post and everyone (me included) told you to not rock the boat. (Maybe we don't know what were talking about?!?!)

Maybe post the letter you sent them, for others to use as a templete?

Well Done.

tattooed_lady

That's a great result, just shows you it what can be achieved with a bit of persistence :T

Avogirly

Definately, congratulations! Just in time for christmas!

$17mma

I am sooooo pleased for you! :j

And this has made your debt free date closer...:T well done! Itis soo nice to hear stories like this. It motivates others to keep going.

ivyleaf

Great news, well done! :j

postingalwaysposting

great news, :j well done on not letting it drop and your persistance, closer to your debt free date now - congratulations :T

Old_iron_balls

Thanks everyone :beer:

johannamse wrote:

Het great news...I remember your post and everyone (me included) told you to not rock the boat. (Maybe we don't know what were talking about?!?!)

Maybe post the letter you sent them, for others to use as a templete?

Well Done.

What i did was pay off the first loan in full before moving onto the second. Got confirmation in writing it was closed etc etc

Then I tackled the second one.
I received a negative response at first, refusing to cancel etc but in the end i got what I wanted.

someone once said, the pen is mightier than the sword.
i can see what they mean now.

Ill post the letters when im home.

Thanks again :beer: