PPI Reclaiming Discussion part 4

h0pusp0pus

it must be a good sign as i sent off 6 claims altogether (i didnt check if i had ppi first just had a feeling on all of them that i might have had) and got one back from hsbc with in a week saying that i didnt have ppi on it or so it seems the others are still under investigation so i presume like another poster said they are dealing with the ones who havent got ppi the quickest just because its easier

cappo

h0pusp0pus wrote: »

it must be a good sign as i sent off 6 claims altogether (i didnt check if i had ppi first just had a feeling on all of them that i might have had) and got one back from hsbc with in a week saying that i didnt have ppi on it or so it seems the others are still under investigation so i presume like another poster said they are dealing with the ones who havent got ppi the quickest just because its easier

Like Di said it makes sense maybe that they would give a team a little bit of training enough to be able to recognise the no hopers (apologies if any posters have had there claims rejected recently) and these can pick out cases with no ppi,no valid reasons for missale etc and keep the experienced teams for the missold cases that have got a good chance of a bank uphold now,and of course with the new fsa ruling maybe the banks are thinking it's not so benficial to just "fos" them as the cases that are missold on the new fsa rules are automatically going to get upheld,i even hear the fsa are talking about banning un-advised cases which personally i think is a very good thing

boycey01

cappo wrote: »

Don't worry boycey i have just been told that about the hsbc cases i've now put in,i think if they've not been already rejected that is a very good sign

Glad to hear it cappo
I think they try to make you think that to put you off! :mad:
Hopefully we'll both hear good news soon.

h0pusp0pus

cappo wrote: »

Like Di said it makes sense maybe that they would give a team a little bit of training enough to be able to recognise the no hopers (apologies if any posters have had there claims rejected recently) and these can pick out cases with no ppi,no valid reasons for missale etc and keep the experienced teams for the missold cases that have got a good chance of a bank uphold now,and of course with the new fsa ruling maybe the banks are thinking it's not so benficial to just "fos" them as the cases that are missold on the new fsa rules are automatically going to get upheld,i even hear the fsa are talking about banning un-advised cases which personally i think is a very good thing

yes i quite agree cappo it would make much more sence i should of mentioned that i rang all of my banks ect first by telephone to check if there was in deed ppi insurance on them so im not a chancer lol

it might cut the waiting list down by at least half if this was the case

Mikey1414

Hello,
I took out the following Loans with PPI included in the past - the Company concerned has agreed to settle, however I'd appreciate some advice (please) as to how much money I could receive as pay back of the PPI:

Year Total Loan Amount PPI Included Loan Duration
2001 £26879.35 £5823.64 84 months

Nb - this Loan consolidated - see that below:

2004 £36603.54 £8915.54 96

Nb - this Loan consolidated - see that below:

2006 £35837.34 £8076.13 98

Nb - against the 2006 Loan I am now paying reduced amounts by agreement - this running for approximately one year - however the PPI element has NOT been deducted from the Loan at this stage - the Loan in effect still running.

Any advice you can give would be very much appreciated - I realise this is complicated, hence my reason here for seeking advice - I am assuming that the settlement would include all three Loans with this (the same) Company, however not confirmed yet. Very many thanks in anticipation. Mike.

di3004

Mikey1414 wrote: »

Hello,
I took out the following Loans with PPI included in the past - the Company concerned has agreed to settle, however I'd appreciate some advice (please) as to how much money I could receive as pay back of the PPI:

Year Total Loan Amount PPI Included Loan Duration
2001 £26879.35 £5823.64 84 months

Nb - this Loan consolidated - see that below:

2004 £36603.54 £8915.54 96

Nb - this Loan consolidated - see that below:

2006 £35837.34 £8076.13 98

Nb - against the 2006 Loan I am now paying reduced amounts by agreement - this running for approximately one year - however the PPI element has NOT been deducted from the Loan at this stage - the Loan in effect still running.

Any advice you can give would be very much appreciated - I realise this is complicated, hence my reason here for seeking advice - I am assuming that the settlement would include all three Loans with this (the same) Company, however not confirmed yet. Very many thanks in anticipation. Mike.

Hi there

Well done on your success!:beer:

And in regards of calculations that is a sore point for me ;), but there are some on here who will know and be happy to check them for you.
You can also expand on this as well, so it doesn't get missed, post a new/separate thread - still within these reclaiming threads, give it a title like "PPI Calculation Help" and I'm sure someone will be along at some point, I have posted a link/thread for you below ready if you want to do this, good luck.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

donda

Morning everbody
Lovely to hear some people are getting paid out, myself am still waiting on all my five claims. Just wondered if anyone had anything from bank of Scotland, Clydesdale ,Hfc and the list goes on, all been in since Oct 2010, am fed up of waiting and seem to be getting no were, everytime you ring just getting fobbed off, FOS cant seem to get information out of Clydesdale am getting sooooooooooo fed up:mad:

di3004

donda wrote: »

Morning everbody
Lovely to hear some people are getting paid out, myself am still waiting on all my five claims. Just wondered if anyone had anything from bank of Scotland, Clydesdale ,Hfc and the list goes on, all been in since Oct 2010, am fed up of waiting and seem to be getting no were, everytime you ring just getting fobbed off, FOS cant seem to get information out of Clydesdale am getting sooooooooooo fed up:mad:

Hi Donda

Have you actually tried writing/emailing the CEO/Manager as well?
Hope you hear soon.

I am actually dealing with HFC now but the Customer Service email is not any longer live, so if you do have any email details directly to these, that would be a great help, thank you.

Keep at the hun x;)

donda

Cheers Di
havent emailed the CEO, do you have the email address for the ones i need , they are starting to take the mick now. Tried to ring HFC and the message they leave about ppi is they cant discuss your case at this time and the line goes dead.:( Would be nice if you thought you were getting somewhere.

di3004

donda wrote: »

Cheers Di
havent emailed the CEO, do you have the email address for the ones i need , they are starting to take the mick now. Tried to ring HFC and the message they leave about ppi is they cant discuss your case at this time and the line goes dead.:( Would be nice if you thought you were getting somewhere.

I shall check them out for you, and get back.;)

What I done in regards of HFC as mine is just a query I sent a letter a few days back,so didn't use the complaints address, just the general one.

I will check the ones you require and get back soon ok.:)