PPI Reclaiming Discussion part 4

di3004

traz39 wrote: »

this is for mortgage ppi will that make any difference

I am really not sure, but to what I understand if mis sold you have every right to make a reclaim.;)

traz39

di3004 wrote: »

I am really not sure, but to what I understand if mis sold you have every right to make a reclaim.;)

thankyou will keep u posted

di3004

traz39 wrote: »

thankyou will keep u posted

Your very welcome and hope all goes well, we look forward to hearing the outcome of this.;)

boycey01

Hi,

Does anyone know the email address of Black Horse? I know it is part of Lloyds TSB so don't know whether to email Lloyds or have Black Horse got their own email address?? I've got 2 claims with them but they put them on hold pending the Judicial Review. Just want to chase them up now judgement has been handed down!

Thanks in advance

Roberts73

Just wondering if anyone has had the same issue as me with reclaiming PPI on an MBNA credit card.

I claimed for mis-sold PPI on an MBNA a while ago and MBNA admitted to mis-selling the PPI and refunded me for the permiums paid but only added a nominal 8% interest on the premiums refunded, which I disagreed with, as they hadn't refunded me interest on these premiums at up to 25% that I had paid. After lots of calls to MBNA and requests for information from them, which were never received, I finally complained to the ombudsman.

When this was finally looked at by an adjudicator, he came back to me to say that MBNA had argued that as they had used my payments each month to repay the PPI premium first, I hadn't paid interest on the premium payments and therefore was not entitled to receive interest back on the amounts refunded to me on admission of mis-selling.

I then explained to the adjudicator, that I had actually paid interest on these premiums, as if the PPI hadn't been applied to my account, the whole amount of my monthly payments would have been offset against my outstanding balance. The fact that they had used part of my payment to clear the missold PPI premium, meant that I had incorrectly paid interest on that amount of my outstanding balance each month and was, therefore, entitled to receive a refund of this amount.

Having explained this to him, I thought it was quite straightforward and that he understood the concept. However, when I received his decision, he had agreed with MBNA. To say I was a bit concerned that the people at the ombudsman don't seem to understand the issues fully, would be an understatement.

Anyway, I have now referred this to an actual ombudsman, as I obviously don't agree with the decision of the adjudicator. It has been with them now for over a year, so I am still waiting for a final decision. I believe it has also been delayed awaiting the recent decision on PPI.

I was more just wondering if anyone had had this issue with MBNA and what the outcome was. This is the only credit card company which has not refunded the PPI premiums and interest fully.

Thanks

di3004

boycey01 wrote: »

Hi,

Does anyone know the email address of Black Horse? I know it is part of Lloyds TSB so don't know whether to email Lloyds or have Black Horse got their own email address?? I've got 2 claims with them but they put them on hold pending the Judicial Review. Just want to chase them up now judgement has been handed down!

Thanks in advance

Hiya

I also have 2 awaiting but with lloyds and am waiting for a response via Email.

I did find the motor link to BH, check it out, and maybe the email link on there somewhere, good luck.

http://www.blackhorse.co.uk/Motor/ComplaintsFAQ.html

di3004

Roberts73 wrote: »

Just wondering if anyone has had the same issue as me with reclaiming PPI on an MBNA credit card.

I claimed for mis-sold PPI on an MBNA a while ago and MBNA admitted to mis-selling the PPI and refunded me for the permiums paid but only added a nominal 8% interest on the premiums refunded, which I disagreed with, as they hadn't refunded me interest on these premiums at up to 25% that I had paid. After lots of calls to MBNA and requests for information from them, which were never received, I finally complained to the ombudsman.

When this was finally looked at by an adjudicator, he came back to me to say that MBNA had argued that as they had used my payments each month to repay the PPI premium first, I hadn't paid interest on the premium payments and therefore was not entitled to receive interest back on the amounts refunded to me on admission of mis-selling.

I then explained to the adjudicator, that I had actually paid interest on these premiums, as if the PPI hadn't been applied to my account, the whole amount of my monthly payments would have been offset against my outstanding balance. The fact that they had used part of my payment to clear the missold PPI premium, meant that I had incorrectly paid interest on that amount of my outstanding balance each month and was, therefore, entitled to receive a refund of this amount.

Having explained this to him, I thought it was quite straightforward and that he understood the concept. However, when I received his decision, he had agreed with MBNA. To say I was a bit concerned that the people at the ombudsman don't seem to understand the issues fully, would be an understatement.

Anyway, I have now referred this to an actual ombudsman, as I obviously don't agree with the decision of the adjudicator. It has been with them now for over a year, so I am still waiting for a final decision. I believe it has also been delayed awaiting the recent decision on PPI.

I was more just wondering if anyone had had this issue with MBNA and what the outcome was. This is the only credit card company which has not refunded the PPI premiums and interest fully.

Thanks

Hi and welcome

Hopefully someone will be along who have had dealings with these shortly, the best of luck.;)

boycey01

di3004 wrote: »

Hiya

I also have 2 awaiting but with lloyds and am waiting for a response via Email.

I did find the motor link to BH, check it out, and maybe the email link on there somewhere, good luck.

http://www.blackhorse.co.uk/Motor/ComplaintsFAQ.html

Thanks Di,

Don't know what we would do without you on this site! :T

I've had a look on the link but still can't find an email address, strange?? Think maybe I will have to send them a letter instead. Any ideas what I can write in the letter? Sorry not very good with wording letters like this!!

Thanks in advance

di3004

boycey01 wrote: »

Thanks Di,

Don't know what we would do without you on this site! :T

I've had a look on the link but still can't find an email address, strange?? Think maybe I will have to send them a letter instead. Any ideas what I can write in the letter? Sorry not very good with wording letters like this!!

Thanks in advance

Hiya

And your welcome.

Sorry you were unable to find the details, if I find them in the meantime I will post up as soon as possible, but yes otherwise you can write or ring them its up to you, but to have something in black and white is better I think.

An example below on what to write, tweak or add further info if you want to.



Dear Sir/Madam

Account numbers
XXXXXXXXXX
XXXXXXXXXX


I currently have two ongoing Payment Protection Insurance complaints with Black Horse which have been kept on hold until a decision have been made on the Judicial Review. I understand the Judgement of the Judicial Review had taken place on Wednesday 20 April 2011. I am aware the BBA failed, and expect you may now be in the position to deal with complaints that have been on hold due to the Judicial Review.

Please could you write to confirm on where my complaints stand since the outcome of last week's Judgement.
Will you now be able to continue with the complaints process, or are you continuing to keep these on hold - until a decision have been made on a possible appeal?

I hope to hear from you within 5-7 days of my letter.

(you could give details of your email, and ask they email you as another option), this method will be far quicker and free to them).


Yours sincerely



Hope the above is of some help, good luck.;)

boycey01

di3004 wrote: »

Hiya

And your welcome.

Sorry you were unable to find the details, if I find them in the meantime I will post up as soon as possible, but yes otherwise you can write or ring them its up to you, but to have something in black and white is better I think.

An example below on what to write, tweak or add further info if you want to.



Dear Sir/Madam

Account numbers
XXXXXXXXXX
XXXXXXXXXX


I currently have two ongoing Payment Protection Insurance complaints with Black Horse which have been kept on hold until a decision have been made on the Judicial Review. I understand the Judgement of the Judicial Review had taken place on Wednesday 20 April 2011. I am aware the BBA failed, and expect you may now be in the position to deal with complaints that have been on hold due to the Judicial Review.

Please could you write to confirm on where my complaints stand since the outcome of last week's Judgement.
Will you now be able to continue with the complaints process, or are you continuing to keep these on hold - until a decision have been made on a possible appeal?

I hope to hear from you within 5-7 days of my letter.

(you could give details of your email, and ask they email you as another option), this method will be far quicker and free to them).


Yours sincerely



Hope the above is of some help, good luck.;)

Thank you so much Di,

You are an absolute gem! :A
I will post the letter tomorrow and let you know how I get on.
Fingers crossed