PPI Reclaiming Discussion part 4

sunny8_2

JennyJenJen wrote: »

Hi Everyone

Hoping for some help if possible from those in the know please!!

I made a PPI complaint to Egg about 3 loans (each one paid off by consolidation with the next) eventually ending up with

Loan amount £20k
PPI £4088 (have left the figs at work but this is close)
Monthly Installment £366.44 (again pence is approximate, its definitely £366)
APR 6.73%
Term 84 months starting 6/6/6

Took a payment holiday of 3 months in June, July and August 07 so the loan is now due to finish September 2013.

I am coming up to 8 weeks with Egg so gave them a call today to see where they are up to and was told that they had contacted Moorgate (who they have sold my loan to - not a debt collection thing, just their sale of loan business) to request the interest figures on my current loan. I asked whether this meant it had been upheld and she said she assumed so as they wouldnt need the interest figures otherwise. Which does make sense but is obviously not official confirmation! Got my fingers crossed to hear something positive soon!

On the basis of the above info, can anyone give me an approximation of how much I am likely to get back please? Am happy not to take the first 2 into consideration (and they were both internet apps I think so may be rejected) and to go on the approximate figs above as anyhting else will be a brilliant bonus!

Thank you

Niggly will be along to help you soon im sure jenny as he is fab with figures Good luck xx

cclissold

cappo wrote: »

Keep your chin up ccl, put your feet up my person,shut out the oncoming night and make yourself something nice drinkwise, chill out and watch the tv treat yourself put a dvd on. all the best,steve:)

will do. just got myself a nice glass of red to calm down. trying not to take it out on the rest of the family. People can be so nasty sometimes. i suppose i shouldnt be so sensitive. have felt like crying today. may well have to put dvd on cos theres only football on tonight!!!!!!!!!!!!!!!!! Now if it was Sunderland playing it might be a different matter (no nasty comments about Sunderland please!!).

C.x

cclissold

sunny8 wrote: »

Hi Guys...:) Congratulations to all winners today!!!:j:j:j:j:j:j:j


Just an update:
Well, i rang clydesdale this morning & spoke to Gina who stated that although i had loans dating from 1998, they could only deal with the most recent loan i had taken out which was in 2004 & paid off in 2005??

I asked why, and she stated they could only go back to 2004 - i asked if i could SAR it (as she didnt mention it) and she stated i could but it would then have to start as a brand new claim....:(...so i have asked for the address & am going to post of a SAR off tonight..Is this right ?? that they can do this - i thought if they were dealing with one loan they had to deal with them all...Please help :( xx

Glad the call went okay(ish). go for it with the other claim. Give em hell.

C.x:)

cappo

sunny8 wrote: »

I think it is just their way of buying time cappo...i have emailed the CEO first..it is on the other thread, have a look & see what you think , if i dont get any where with that - then i have the SAR ready to go in the post . Hope your well steve :A xx

I'm fine thanks sunny, your right they do it to try to trip people up and put them off claiming, most people will think it's not worth the hassle, i bet the banks hate these forums though, i only found out what i now know as Di's apprentice bless her on LB and all about forums and thats where i learnt that we can fight back and we don't have to take the rubbish the banks dish out, keep at em girl:)

sunny8_2

cappo wrote: »

how did the call go sunny?

Sorry steve, just seen this now .....and you already know!! hahaxx

sunny8_2

cappo wrote: »

I'm fine thanks sunny, your right they do it to try to trip people up and put them off claiming, most people will think it's not worth the hassle, i bet the banks hate these forums though, i only found out what i now know as Di's apprentice bless her on LB and all about forums and thats where i learnt that we can fight back and we don't have to take the rubbish the banks dish out, keep at em girl:)

Exactly..i love this forum....even my oh & kids complain i am always on here!!:rotfl::rotfl: Dont know what i would do without the advice & support :)xx

cappo

cclissold wrote: »

will do. just got myself a nice glass of red to calm down. trying not to take it out on the rest of the family. People can be so nasty sometimes. i suppose i shouldnt be so sensitive. have felt like crying today. may well have to put dvd on cos theres only football on tonight!!!!!!!!!!!!!!!!! Now if it was Sunderland playing it might be a different matter (no nasty comments about Sunderland please!!).

C.x

Thats the spirit don't let the b*****S get you down

cappo

sunny8 wrote: »

Exactly..i love this forum....even my oh & kids complain i am always on here!!:rotfl::rotfl: Dont know what i would do without the advice & support :)xx

Thats what it's all about mate we're all here for each other.:D:):):cool:

cclissold

cappo wrote: »

Thats the spirit don't let the b*****S get you down

you know what - you are right. i will go and spend time with the family tonight. catch up with you all tomoz. Keep up the good work all of you.:A

C.x:D

pandaspot

pandaspot wrote: »

Bit confused, just had another call from oh saying letter from hsbc is at home. I told him to open it as I suspected it my credit card offer

The letter is another offer for my 6 loans and this time includes my credit offer as well.

I have already sent my acceptance for my loans

Anyone else had two offer letters? I know some would appreciate having one!

Suppose I will send this acceptance off as well, love it if they paid this and the first one lol

confused about this

started a separate thread on it, any advice or thoughts would be great

https://forums.moneysavingexpert.com/discussion/3486939