PPI Reclaiming Discussion part 4

di3004

dreamer33 wrote: »

Hi turboman

You have been a great help on here to lots and your doing a wonderful job with your calcs :T :A :A your help is very much appreciated by all :j

Hiya dreamer33, how are you hunni?:A
Hope your well. (My son at the local library for a few hours) then back for his maths lesson with the uncle lol.

Yes I must agree with you, Turbo has been wonderful, thanks Turbo, your appreciated by all.:T :A XXX

dreamer33

bathgatebuyer wrote: »

Despite Egg giving me my PPI cover back a month or so back, I got a letter from them saying I had the right to refer to the FOS as they 'couldn't settle my complaint'.

Crap day otherwise - panic attack, hospital and just decided that the stress of buying and selling a house is really not for me. Will lose a reservation fee for the new place (£500 - just less than what Egg refunded me :rolleyes: ), but I've been reminded by family and friends that money is not worth losing your health for.

I am so calm about everything else in life, but money almost always brings out a breakdown in me. I literally can't cope with any uncertainty about cash. I really thought I was over all of this a few years ago - I don't think it ever leaves you.

Hi BGB

I am sorry to hear of your panic attack not pleasant at all, had them myself yrs back and your right don't think they ever leave you.

Hope EGG have their wires crossed here and wish you so much luck with this:A

dreamer33

di3004 wrote: »

Hiya dreamer33, how are you hunni?:A
Hope your well. (My son at the local library for a few hours) then back for his maths lesson with the uncle lol.

Yes I must agree with you, Turbo has been wonderful, thanks Turbo, your appreciated by all.:T :A XXX

Hi Di you okxxx

Yes me ok, been doing letters all morning today for copies of credit agreements, going to get peter to have a look.:A

di3004

dreamer33 wrote: »

Hi Di you okxxx

Yes me ok, been doing letters all morning today for copies of credit agreements, going to get peter to have a look.:A

Wow dreamer you have been busy hunni.:D
Yes worth him taking a look, and things are moving on nicely now as well, great news.:A X

zachira

Thanks, for your advice.

I have notice that I do not have a breakdown of my loan. I mean exact PPI amount. Can I request a letter for it?

Another thing. You think that I should wait I mean not call them, but just write a letter and wait for a respond. But this means that I still would be paying extra for PPI.

Many thanks.
Z

King_Juan

Hi everybody, I have been made an offer on a PPI reclaim but please can someone help me determine what I ought to be receiving from the following:

15K loan 8.4% APR taken out in 04/2005
Single premium PPI £3009.54 plus £663.06 interest added at start of loan
11 PPI payments of £61.21 were made
loan was settled early in May 2006
Insurance premium rebate of £2014.58 was received on early settlement

In summary I have been offered:

Monthly premiums refund £673.31
Rebate adjustment £637.21
Interest on total refund £336.97
Total refund £1647.49

I think my refund should be closer to £2300, can anybody help me out?

di3004

zachira wrote: »

Thanks, for your advice.

I have notice that I do not have a breakdown of my loan. I mean exact PPI amount. Can I request a letter for it?

Another thing. You think that I should wait I mean not call them, but just write a letter and wait for a respond. But this means that I still would be paying extra for PPI.

Many thanks.
Z

Hi hun
And yes please do ask them for the full breakdown of this.;)

You can still write to them hun to try and reclaim, and I am hoping that someone will post in about the cancellation side of things, although you can still ring them just to ask them about this, there is no harm in doing this.

Ring and just ask if you cancel the PPI, what would the new repayments be?

And if successful they have to pay back every penny plus interest etc, but keep at them anyway.;)

di3004

King_Juan wrote: »

Hi everybody, I have been made an offer on a PPI reclaim but please can someone help me determine what I ought to be receiving from the following:

15K loan 8.4% APR taken out in 04/2005
Single premium PPI £3009.54 plus £663.06 interest added at start of loan
11 PPI payments of £61.21 were made
loan was settled early in May 2006
Insurance premium rebate of £2014.58 was received on early settlement

In summary I have been offered:

Monthly premiums refund £673.31
Rebate adjustment £637.21
Interest on total refund £336.97
Total refund £1647.49

I think my refund should be closer to £2300, can anybody help me out?

Hi hun
Wow an offer that is great news.:T Well done !:beer:

I am a little bit rusty when it comes to working out figures etc but I am sure they will get looked at - at some point today for you.;)

mlucyminx

di3004 wrote: »

I have posted on the success thread as well:::::::::::::::::::::::::::::::::::::


Success at last :T :T

Just received an email from the Adjudicator, Lloyds TSB agreed with the Adjudicators view and is refunding all PPI, plus interest and Charges etc, as if PPI were not taken out.....yippeeeee, so no waiting for the ombudsman now :T .

Thanks to all who helped me, Marshallka, Max, Pinknico, Dreamer and everyone else who got me through all this.:beer:

I will post the figures when I have them, so I know for definate the amounts.:D :beer:

Di
XXXXXXXX

Di This is wonderful news. After all the help and advice you have given people you sure deserved a win.

Im so pleased for you.:T :T :T :T :T :T :T :T :T :T :T :T :T

di3004

mlucyminx wrote: »

Di This is wonderful news. After all the help and advice you have given people you sure deserved a win.

Im so pleased for you.:T :T :T :T :T :T :T :T :T :T :T :T :T

Awe thank you hunni.:A
Hope your well, keep up your good work as well hunni.:beer: :T XXX