PPI Reclaiming Discussion part 4

cclissold

sunny8 wrote: »

Morning C,.....i bet, it's wonderful when you get a fabulous win!!!:j:j well, well done!!:T:T. I live in the lake district...so it mostly consists of rain!!! haha :) xx

I am just about to sign the acceptance form and trot off to the post office.... the rain has just started. Typical. Lake District is fab. spent time there as a child (adventure holiday). First and last time I get in a canoe..... Have a great day everyone.

C.x

Niggly_2

cclissold wrote: »

Hi the loan was taken out in October 2004. From memory I think it was taken out before a previous loan finished (with Halifax as well). Is this what they mean by refinancing. Will this affect the amount.

Thanks.

C.x

Okay has I posted last night whilst you were lusting after JT. I have the scenarios that Halifax sent with the acceptences. Because you finishe the loan you will also get 8% on the cash price of the loan for he duration of the loan. This means

£233.20 x N =£x N = the number of years you had the loan for
£233.20 x 7 = £1632.40 in interest which is on top of the PPI with interest and 8% figure I gave early.

If a previous loan was incorporated into this one then there may be further compensation as well. This could be fairly substantial if you had ppi and oaid it for a while before refinancing as they need to take this into account as well. They have to under the FOS rules.

That should drive off the rain.

N

cclissold

Niggly wrote: »

Okay has I posted last night whilst you were lusting after JT. I have the scenarios that Halifax sent with the acceptences. Because you finishe the loan you will also get 8% on the cash price of the loan for he duration of the loan. This means

£233.20 x N =£x N = the number of years you had the loan for
£233.20 x 7 = £1632.40 in interest which is on top of the PPI with interest and 8% figure I gave early.

If a previous loan was incorporated into this one then there may be further compensation as well. This could be fairly substantial if you had ppi and oaid it for a while before refinancing as they need to take this into account as well. They have to under the FOS rules.

That should drive off the rain.



N

Wow - thats great. We will be happy with whatever we get but if its more than we thought thats a billy bonus. I shall be doing JT moves all down the road to the post office.

C.x

pepsimax

Hi, Has anyone received a payment from lloyds yet? My cheque payment was supposed to be with me by the 18th August, So as of now...they are into there third week of being behind with this....should i just sit back and wait or keep phoning them and asking where it is (not they they even know because they say the payments team wont tell them)

anaylorefc

The_Marksman wrote: »

Hi there,

Im afraid they are not ppi but are card benefits which are free perks which come from the card issuer

Thanks for the help.

Why can I find no mention of PPI in my paperwork?! Either having it or not! Frustrating!

amersall

anaylorefc wrote: »

Thanks for the help.

Why can I find no mention of PPI in my paperwork?! Either having it or not! Frustrating!

Hi there, if you have ppi it will be on there,if you dont,then it wont.
They dont put that you have not got this,only if you have it.
With this being a cc it may not be on your agreement but could have been added at a later date,if you have it,then it will show on your monthly statement.

anaylorefc

amersall wrote: »

Hi there, if you have ppi it will be on there,if you dont,then it wont.
They dont put that you have not got this,only if you have it.
With this being a cc it may not be on your agreement but could have been added at a later date,if you have it,then it will show on your monthly statement.

Cheers I found the egg number and called them. No PPI. Thanks for the info

lisajaynec

anaylorefc wrote: »

Cheers I found the egg number and called them. No PPI. Thanks for the info

Please don't always believe them, i was told no ppi, then did a SAR after advice on here and guess what ppi was added, so claim sent in and im doing the waiting game now
Good look
Lisa

DoreenH01

DoreenH01 wrote: »

we took out a claim against Natwest and we were succesful and they agreed to pay us £4700. We sent the signed paper back to them at the end of June accepting their offer. The paper said we would be payed in full within 28 days, it is now 7 weeks and no sign of the money.

My Husband rang them last week and they promised to have the cheque in the post that afternoon. We are still waiting. I rang the ombudsman but they have such a backlog of cases they couldn't help. can anybody advice me on what to do next or on how long we are going to have to wait for this money?

Thanks

Just to let you know we recieved our cheque this week thanks for your advice

Doreen

di3004

DoreenH01 wrote: »

Just to let you know we recieved our cheque this week thanks for your advice

Doreen

Well done Doreen :T Congratulations!:beer: