PPI Reclaiming Discussion part 4

Mich973

di3004 wrote: »

Hi Mich

Yes unfortunately they have been given extra time (certain banks have), but sit tight on this now, hope you still hear some good news before the 16 weeks, fingers crossed.

How long has you're complaint been with Lloyds?

They got the original paperwork from me back in February this year, I had the standard your on hold letter from them in April and have had nothing in writing since then.

I've made calls to them on a monthly basis and nothing significant seems to be progressing.

The 16 weeks extra time - when does that 16 weeks supposed to start from because so far it's been 6 months, which is a lot more than 16 weeks.

IANC

fight_the_power wrote: »

Thanks IANC have already had claims upheld from cap one and mbna as i have my bank account with hsbc would it be better to write or ring them up?? thanks

I'd ring them in the first instance.

If they have any requirements they will let you know.

HSBC wanted a questionnaire from me, whereas HBOS acted on just a phone call and no paperwork.

di3004

fight_the_power wrote: »

Having just been going through more of my chaotic filing system and have discovered that i have been paying an insurance premium of 79p per hundred pounds balance on my hsbc credit card since 2007 would this be ppi ?? as i have no idea??? i know it sounds daft that i have never noticed this but i have very rarely ever opened up my statments as i tend to bury my head in the sand with bills :cool:would be grateful of some advice thanks

Yes it most certainly is, get a reclaim in, its obvious you did not know about this, good luck and ask for further help if required.;)

di3004

Mich973 wrote: »

They got the original paperwork from me back in February this year, I had the standard your on hold letter from them in April and have had nothing in writing since then.

I've made calls to them on a monthly basis and nothing significant seems to be progressing.

The 16 weeks extra time - when does that 16 weeks supposed to start from because so far it's been 6 months, which is a lot more than 16 weeks.

I assumed the 16 weeks would be the cases from April if I recall on this correctly, mine went in towards the end of 2010 and it was resolved over a month ago, I would keep emailing them as well, good luck.

So email the CEO and copy the email to the Customer Care team.

[EMAIL="antonio.osorio@lloydsbanking.com"]antonio.osorio@lloydsbanking.com[/EMAIL]

[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]

citibird27

Hi All...

And apologies for what must be a naive question...I asked Barclay for my T & Cs...they sent 2 letters, one telling me the balance, and another showing a standard agreement...Nothing was sent showing the date the agreement was set up, or my signature.

The cards are still active...(although I have since recalled a loan and a card which was paid off and cancelled, so have sent a SAR)...am I right in thinking, though, that I hould have been sent a copy of my signed agreement?

Thanks to all...( yet again)....

Citibird x

The_Marksman

citibird27 wrote: »

Hi All...

And apologies for what must be a naive question...I asked Barclay for my T & Cs...they sent 2 letters, one telling me the balance, and another showing a standard agreement...Nothing was sent showing the date the agreement was set up, or my signature.

The cards are still active...(although I have since recalled a loan and a card which was paid off and cancelled, so have sent a SAR)...am I right in thinking, though, that I hould have been sent a copy of my signed agreement?

Thanks to all...( yet again)....

Citibird x

Morning x.

If the CC's are still active then for £1 fee they should send you your t&c's and also statements and your signed agreement that being said that all depends how long ago this was taken out

If you can call into your local branch, they will be able to dig a little deeper and from my own experience have been helpful after a push in the right direction

If these methods fail to be fruitful lol then a SAR will be the next step like you have mentioned

But remember to make a claim you only really need a few details

• Loan account number/ numbers OR CC account number/ numbers
• Start date
• Closing date
• Reason/ Reasons for being mis-sold

hope this helps a little :D

cappo

fight_the_power wrote: »

Having just been going through more of my chaotic filing system and have discovered that i have been paying an insurance premium of 79p per hundred pounds balance on my hsbc credit card since 2007 would this be ppi ?? as i have no idea??? i know it sounds daft that i have never noticed this but i have very rarely ever opened up my statments as i tend to bury my head in the sand with bills :cool:would be grateful of some advice thanks

Yes it,s ppi my man.:T

lisajaynec

lisajaynec wrote: »

Hi
Can i ask do i put a covering letter into FLA or just put my reasons on back and i take it i need to put a copy of the santander rejection letter with it. Id this correct

Thanks
Lisa

Thanks guys I have had my first success today a week after posting my 8 claims !:money:
I have received one rejection so far from Santander-Wallis card which I have posted on to FLA
one letter to say that I need to put in a claim with the two seller for my endownments, so have resubmitted one to Yorkshire Bank, other financial advisor has fallen off the face of the earth and because it was 1990 im not covered by onbudsman!
Another letter yesrerday from HSBC to say they have 16 weeks to deal with my claim and its now logged
But this morning received a letter from Santander who have agreed to repay my premium £425.16, interest £155.29 loss of cash payment £40.70:j :beer:
Thanks so much everyone for your support, i will keep you posted on my progress and anyone that thinks its too much trouble, think again 3 hours it took me and £10 in registered post but already over £600 better off.
Lisa:rotfl:

cappo

Hi guys, good news for a pal of mine,phoned this morning to say an mbna claim been upheld, £4003.00 heading to him within 6 weeks

cappo

lisajaynec wrote: »

Thanks guys I have had my first success today a week after posting my 8 claims !:money:
I have received one rejection so far from Santander-Wallis card which I have posted on to FLA
one letter to say that I need to put in a claim with the two seller for my endownments, so have resubmitted one to Yorkshire Bank, other financial advisor has fallen off the face of the earth and because it was 1990 im not covered by onbudsman!
Another letter yesrerday from HSBC to say they have 16 weeks to deal with my claim and its now logged
But this morning received a letter from Santander who have agreed to repay my premium £425.16, interest £155.29 loss of cash payment £40.70:j :beer:
Thanks so much everyone for your support, i will keep you posted on my progress and anyone that thinks its too much trouble, think again 3 hours it took me and £10 in registered post but already over £600 better off.
Lisa:rotfl:

Nice one lisa, well done.:T:):beer::j:money::D