PPI Reclaiming Discussion part 4

LynK_3

Happy Friday everyone, whoop whoop.

Had good news today from Barclaycard (well I am hoping it's good news!) following my email to them on Tues, had a call this afternoon telling me that after 13 weeks they have been unable to locate my details so fax them all the statements I had, which I duly did. Now here is the problem I have a selection of statements from 1995 - 2001 with varying amounts of PPI on them ranging from £6.18 - £25.90 per month, the first one I have is April 1995 and the last one I have os MAy 2001. some are missing, I know I was paying ppi until around 2003. He said the directors office will look at it on Monday, and it wll then be passed to work out an estimate.
Does this mean it is upheld? Can the director decide not to uphold it? My statements show a total paid of £700, with the missing months not including 2002 and 2003 ppayments I work out I roughly paid £985, but if you add 2002 and 2003 i would of paid prob in the region of £1400 prob more.
Has anyone had a similar experience and if so did they offer you on the upside or downside of your estimates.
Anyone any idea of roughly what I should be accepting (providing of course it is upheld, but he def gave me the impression it would be, just scared to count chickens and all that!)
Sorry to bombard you with so many quesions especially on a Friday night.

Well done to all this weeks winners.

amersall

eirelav1962 wrote: »

hi can ask i got a letter from barclaycard to fill in a questionare about my ppi has anybody elase had that thanks

Hi there, was this because you have already put a complaint in?,if it is then fill it in and send it back.

amersall

LynK wrote: »

Happy Friday everyone, whoop whoop.

Had good news today from Barclaycard (well I am hoping it's good news!) following my email to them on Tues, had a call this afternoon telling me that after 13 weeks they have been unable to locate my details so fax them all the statements I had, which I duly did. Now here is the problem I have a selection of statements from 1995 - 2001 with varying amounts of PPI on them ranging from £6.18 - £25.90 per month, the first one I have is April 1995 and the last one I have os MAy 2001. some are missing, I know I was paying ppi until around 2003. He said the directors office will look at it on Monday, and it wll then be passed to work out an estimate.
Does this mean it is upheld? Can the director decide not to uphold it? My statements show a total paid of £700, with the missing months not including 2002 and 2003 ppayments I work out I roughly paid £985, but if you add 2002 and 2003 i would of paid prob in the region of £1400 prob more.
Has anyone had a similar experience and if so did they offer you on the upside or downside of your estimates.
Anyone any idea of roughly what I should be accepting (providing of course it is upheld, but he def gave me the impression it would be, just scared to count chickens and all that!)
Sorry to bombard you with so many quesions especially on a Friday night.

Well done to all this weeks winners.

:eek::eek::eek: OOOOHHHHH :eek: dont know, hope it is upheld xxx.
Someone who knows how cc ppi is worked out will help you more with this x.

cappo

hi lorraine i can see you lurking about the posts mate how are you my woman.

eirelav1962

hi amersall sent a letter about being misold my ppi on my credit card with barclaycard was wondering why u have to fill n the questionare thanks

cappo

LynK wrote: »

Happy Friday everyone, whoop whoop.

Had good news today from Barclaycard (well I am hoping it's good news!) following my email to them on Tues, had a call this afternoon telling me that after 13 weeks they have been unable to locate my details so fax them all the statements I had, which I duly did. Now here is the problem I have a selection of statements from 1995 - 2001 with varying amounts of PPI on them ranging from £6.18 - £25.90 per month, the first one I have is April 1995 and the last one I have os MAy 2001. some are missing, I know I was paying ppi until around 2003. He said the directors office will look at it on Monday, and it wll then be passed to work out an estimate.
Does this mean it is upheld? Can the director decide not to uphold it? My statements show a total paid of £700, with the missing months not including 2002 and 2003 ppayments I work out I roughly paid £985, but if you add 2002 and 2003 i would of paid prob in the region of £1400 prob more.
Has anyone had a similar experience and if so did they offer you on the upside or downside of your estimates.
Anyone any idea of roughly what I should be accepting (providing of course it is upheld, but he def gave me the impression it would be, just scared to count chickens and all that!)
Sorry to bombard you with so many quesions especially on a Friday night.

Well done to all this weeks winners.

Hi lyn i have just had this with HSBC and they are going well to the downside i had an HSBC gold card for 13-14 years maxed it at least twice (limit £6000.00) plus had most of the time at least £1000.00 on the card they,ve offered me £992.00 plus interest for the time the card was in debit which wasn't much as they,ve only offered to go back 6 years and the cards been paid off for seven so are having to sar them now.

sunny8_2

cappo wrote: »

Hi sunny sounds like good news will be coming to you soon roll on monday,sounds like an uphold:j:j:j:j:j:j:T:):):) no one deserves it more than you.;) steve

Hi steve.....thank you so much..that is a lovely thing to say .
How are you today? Have you got anything planned for this weekend?
Oh i do hope so, i thought when she stated 'positive update' it sounded too good to be true...but then i doubted myself and was thinking maybe it was just figure of speech kind of thing, and was really meaning that on monday she just might be telling me they have another 8 weeks to respond (as per usual) :cool:...but hopefully on monday i shall see...oh i am excited :j:j..fingers & toes crossed :)xx

sunny8_2

cappo wrote: »

Hi lyn i have just had this with HSBC and they are going well to the downside i had an HSBC gold card for 13-14 years maxed it at least twice (limit £6000.00) plus had most of the time at least £1000.00 on the card they,ve offered me £992.00 plus interest for the time the card was in debit which wasn't much as they,ve only offered to go back 6 years and the cards been paid off for seven so are having to sar them now.

Thats a bit naff steve....why do they do this? Is it just to buy themselves more time?xx

suehippo

LynK wrote: »

Happy Friday everyone, whoop whoop.

Had good news today from Barclaycard (well I am hoping it's good news!) following my email to them on Tues, had a call this afternoon telling me that after 13 weeks they have been unable to locate my details so fax them all the statements I had, which I duly did. Now here is the problem I have a selection of statements from 1995 - 2001 with varying amounts of PPI on them ranging from £6.18 - £25.90 per month, the first one I have is April 1995 and the last one I have os MAy 2001. some are missing, I know I was paying ppi until around 2003. He said the directors office will look at it on Monday, and it wll then be passed to work out an estimate.
Does this mean it is upheld? Can the director decide not to uphold it? My statements show a total paid of £700, with the missing months not including 2002 and 2003 ppayments I work out I roughly paid £985, but if you add 2002 and 2003 i would of paid prob in the region of £1400 prob more.
Has anyone had a similar experience and if so did they offer you on the upside or downside of your estimates.
Anyone any idea of roughly what I should be accepting (providing of course it is upheld, but he def gave me the impression it would be, just scared to count chickens and all that!)
Sorry to bombard you with so many quesions especially on a Friday night.

Well done to all this weeks winners.

My partner has just had his claim approved from B/card and he's been a customer since 1997. Since 2005 (this is as far back as b/card records go) the card has often been at it's limit so the PPI has been high. They've used the last 6 years average and applied it to the previous 8 years. This has meant a payout well above what we expected. Not only does he get the premium returned but they have to return you to the position you would have been in if you had not taken out the PPI and all the associated interest + the 8% simple interest per annum they are paying.

My advice therefore would be to send copies of those statements where the PPI premium was at it's highest.

smitchy73

sunny8 wrote: »

Honestly.....:T:T..do you think so.....oh smitchy i hope so mate :j:j..it wont be for a lot but that doesn't matter...well..it does as i wouldn't mind if there was a few extra noughts on there, but, hey ho..:rotfl::rotfl:haha. I just thought, normally, she just states that she has no update but will keep me informed..but last week, she stated to hopefully having more info at the end of this week..so on emailing her tonight, good 'ol carol came up with hopefully having a positive update on monday....:D:D. I know that i am a numpty but i thought this sounded good as if it wasnt going to be good news, you would think that she would of just said that she would maybe have an update next week.... Sorry for prattling on:phehexx

Nowt wrong with being 'excited' hehe, we were the same too, Carol called the OH and told her an offer would be in the post in a couple of days thats when I started to get excited, OH was neither here nor there, then the offer arrived and she was over the moon, we really could do with a new kitchen, but I had to talk her out of that one and pay the CC off, just mine's to go now.