PPI Reclaiming discussion Part III

pinknico

sacbaby37 wrote: »

Evening everyone, hope your all ok, i know boo has a sore head lol, but i hope you all have had a good day of rest, if thats what its meant to be called. sarah xxx

A day of rest with 3 children under 5 is rare:D But I am ok thanks.:A

How are you?

di3004

Tock389 wrote: »

Hello. I've just heard back from Nat West over my ten loans (I've been extending my loan each time, and now have a £23,000 personal loan with them).
I said I was mis-sold PPI for all of them. Anyway, the bank has not admitted liability but as a goodwill gesture has offered to refund the premiums I paid for the first six.
Namely,
£85.62
£99.20
£208.15
£191.13
£430.03
£469.43
0.48p (!)
In each case, the bank paid the balance of the PPi into the loan account i.e as a credit when I took out the next one.
But the last four loan extensions are different.
Nat West says each loan included a single premium policy BUT unlike the others it doesn't specify the premiums I paid, or the lump sum added at the start of each loan.
For each of these four loans, (£16k, £18k, £20k, £23k) Nat West has offered a "goodwill gesture" of £750.
Are they trying it on? This is a fraction of the single premium PPI I paid, so what should I do?
I'm tempted to claim the refunds for the first six loans, which comes to £1484.04 but contest the others.
I'm not complaining, if I took all ten refunds it would be £4,484.04 in my pocket, but I reckon I should contest the last four- tell me what you think..

You go for it, get all your money back where you were ripped off to start with.
Is this the actual calculations of the breakdown they sent you?

Yes they may be possibly trying this on with you in hope that you will accept this as its an "offer" but it does not seem to be enough of it comparing this to the proper amounts you have added.


And of course if they do not budge you can always take this further with an ombudsman which can take a little while due to the high volumes of complaints, but if your financially struggling at present as well, let them know and they may consider fast track for you, however, this still may take a while, as it seems that there are many people in the same situation as well, but they will still look at this for you.
It may be quicker though to go the court route, I'm sure someone on here can help on that issue, as I have not gone that route myself, not yet anyway lol.

All the best and please keep us updated, cheers.

di3004

molly44 wrote: »

Thanks di3004!

Everyone is so great on this site- really friendly and helpful.
I was hoping that there may have been someone in a similar situation who had put a complaint in to FOS, but I will just have to ring FOS as you advised in an earlier post.

Many thanks
molly44

Thank you Molly, you too are a lovely polite person and I hope you win this case so much.;)
You are most welcome to post anytime, sometimes we like to have a giggle on here to help take those stresses away in between these claims lol, and your very welcome to join in anytime.:A

Maybe someone will post up now just, you could always check this out as well on the thread next to this one, which is called "success & failure" just in case.;) X

di3004

sacbaby37 wrote: »

Evening everyone, hope your all ok, i know boo has a sore head lol, but i hope you all have had a good day of rest, if thats what its meant to be called. sarah xxx

Hi Sarah
Its good to see you, how are you hun ?;)

lol poor Boo.....:rotfl: :rotfl: , you too enjoy the rest of the evening, I hear many is having snow......:eek: , and its heading here to Wales as well..:eek:,
me don't like snow.....:o lol X

pinknico

Di, are we posting up Insipience's SAR now, it covered everything didn't it?

di3004

pinknico wrote: »

Di, are we posting up Insipience's SAR now, it covered everything didn't it?

I had another look and its very good and it seems to cover everything we require, so I think we should, I will have to save it as well, so I don't lose it lol.

Incipience added another part as well......I taken that was for the SAR as well wasn't it? just to make sure, or the reclaiming letter??

Will have to double check on that one I think.;)

di3004

booi666 wrote: »

Aaawwww thanks pink:A

I wouldn't want to change you either Boo, you wouldn't be Boo then :eek: X

booi666

di3004 wrote: »

Hi Sarah
Its good to see you, how are you hun ?;)

lol poor Boo.....:rotfl: :rotfl: , you too enjoy the rest of the evening, I hear many is having snow......:eek: , and its heading here to Wales as well..:eek:,
me don't like snow.....:o lol X

YOOOOO Dudes im alive again:rotfl:

pinknico

di3004 wrote: »

I had another look and its very good and it seems to cover everything we require, so I think we should, I will have to save it as well, so I don't lose it lol.

Incipience added another part as well......I taken that was for the SAR as well wasn't it? just to make sure, or the reclaiming letter??

Will have to double check on that one I think.;)

Yes for the SAR , it was at the bottom of the letter.

di3004

booi666 wrote: »

YOOOOO Dudes im alive again:rotfl:

lmao, you were so funny last night, gave us a right giggle and new members as well pmsl......:rotfl: :rotfl: , at least what you said it how it is and honesty is the best policy.:T