PPI Reclaiming Discussion part 4

paulbav

hi, i wonder if anyone can help me ?? i have just found a personal loan agreement dated 07/12/2004 from the halifax. the loan has been paid off, can i claim back the ppi and the ppi credit charge for insurance loan ????

cappo

paulbav wrote: »

hi, i wonder if anyone can help me ?? i have just found a personal loan agreement dated 07/12/2004 from the halifax. the loan has been paid off, can i claim back the ppi and the ppi credit charge for insurance loan ????

If you've been misold go for it,check the reasons on here and your good to go




http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#ways

amersall

Hi there, yes you can,just use the letter off this site with reasons for mis sell and send recorded delivery.
This link shows you what to do,if you need anymore help just ask.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

You could phone and i am sure they will do over the phone.
http://www.halifax.co.uk/contactus/howtocomplain/complain-about-ppi/

IANC

citibird27 wrote: »

I am thinking you work for the local constabulary.......;)

amersall wrote: »

GONNA BE A PARTY POOPER NOW GUYS :p:p:p:p:p:p:p

https://forums.moneysavingexpert.com/discussion/1627085

Read the first post,this was set up for chit chat so the other reclaim threads can keep to topic.


if you are offended .......
tough :p:p:p:p:p:p:p:p:p:p

:(

Sorry

flutter-by

Hi everyone, this is my first time posting on this site, however, I have been an avid follower for a couple of years. My partner had submitted a PPI complaint last July with MINT (RBS), complaint has been on hold for almost 1 year due to JR. Today we had received a letter from them advising they are upholding the complaint without admission of liability which will be credited to the card (after this it will will only leave £370 outstanding) . OH took the card in 2003: breakdown as follows:

refund of premiums from dec 2003 to jan 2011 - £1475.47
compound interest on premiums based upon int rate on card £1895.96
compound interest on erroneous fees £ 24.00
compund interst on erroneous fees - £0.51
less claims paid £12.00
total refund due - £3383.94

gross interset at fos rate - £35.11
less tax at 20% £7.02
net interest - (total) £28.09

more than 8 weeks to resole, int at 8% simple - £204.71
less tax at 20% - £40.94

net interest £163.77

total offer - £3575.80

This only leaves a total of £370 left to pay on the card! We couldn't have done without you all :rotfl::rotfl: Thank you so much :T xx

The_Marksman

flutter-by wrote: »

Hi everyone, this is my first time posting on this site, however, I have been an avid follower for a couple of years. My partner had submitted a PPI complaint last July with MINT (RBS), complaint has been on hold for almost 1 year due to JR. Today we had received a letter from them advising they are upholding the complaint without admission of liability which will be credited to the card (after this it will will only leave £370 outstanding) . OH took the card in 2003: breakdown as follows:

refund of premiums from dec 2003 to jan 2011 - £1475.47
compound interest on premiums based upon int rate on card £1895.96
compound interest on erroneous fees £ 24.00
compund interst on erroneous fees - £0.51
less claims paid £12.00
total refund due - £3383.94

gross interset at fos rate - £35.11
less tax at 20% £7.02
net interest - (total) £28.09

more than 8 weeks to resole, int at 8% simple - £204.71
less tax at 20% - £40.94

net interest £163.77

total offer - £3575.80

This only leaves a total of £370 left to pay on the card! We couldn't have done without you all :rotfl::rotfl: Thank you so much :T xx

:j:beer: Brilliant News Well Done :beer::j

I bet you got that friday feeling;)

amersall

flutter-by wrote: »

Hi everyone, this is my first time posting on this site, however, I have been an avid follower for a couple of years. My partner had submitted a PPI complaint last July with MINT (RBS), complaint has been on hold for almost 1 year due to JR. Today we had received a letter from them advising they are upholding the complaint without admission of liability which will be credited to the card (after this it will will only leave £370 outstanding) . OH took the card in 2003: breakdown as follows:

refund of premiums from dec 2003 to jan 2011 - £1475.47
compound interest on premiums based upon int rate on card £1895.96
compound interest on erroneous fees £ 24.00
compund interst on erroneous fees - £0.51
less claims paid £12.00
total refund due - £3383.94

gross interset at fos rate - £35.11
less tax at 20% £7.02
net interest - (total) £28.09

more than 8 weeks to resole, int at 8% simple - £204.71
less tax at 20% - £40.94

net interest £163.77

total offer - £3575.80

This only leaves a total of £370 left to pay on the card! We couldn't have done without you all :rotfl::rotfl: Thank you so much :T xx

:j:j Brilliant :beer::beer:

amersall

IANC wrote: »

:(

Sorry

:rotfl::D :cool:

Maggie35

Hi
I phoned Egg for PPI reference numbers for an old loan + credit card I had back in 2006. The operator on the phone said she would send my details to the complaints department and they will be in touch to get more details.

I haven't been contacted yet but I'm now worrying whether my case is strong enough to get a refund or if I even have a case.

I think I may have applied on line so would have selected PPI myself.

I was in receipt of Company Sick Pay (full and half pay) / PHI /Life cover at the time but due to having loans in the past with Barclays and them advising me I needed it for half pay sick cover I thought I would need it in this case too. I also didn't realise I could go and get just the half pay sick covered by another insurer.

Is anyone able to advise me if this is good enough reason for a complaint. I have a feeling they will say because I selected it myself I can't get a refund. :-(

Thanks in advance for your help and wishing everyone a good refund full weekend :-)

sticky_treacle

Hi all,

So last time I was on, I had just received the great news that MBNA had resolved my credit card ppi claim in my favour which was fab.

Quick update, after confirming on the letter the cheque would be with me in 28 days, this has not happened (not that I'm surprised with MBNA), I have spoken to their call centre who confirmed that after sending a letter out it will usually take 7 days for them to request a cheque and then at least 3 weeks after this before the cheque will be sent. (Think they are trying to hold on to the money as long as possible). Not sure why it takes them so long, I have worked in a bank for 5 years and know that a cheque can be sent out within a couple of days. Due to constant problems with this company a goodwill cheque was sent within days of me receiving a final response letter.

Call centre just keep telling me it should be anyday now. But I'm getting frustrated. Their final response letter said it would be issued within 28 days but this hasn't happened and theres no sign of the cheque. But i dont know what to do next? Should I just be patient and thankful that it is being resolved or should I be chasing this as this is now outside of the quoted turnaround time?

Any suggestions would be appreciated.

Thank you