PPI Reclaiming Discussion part 4

cappo

jeanlucb wrote: »

First time posting here...

I successfully claimed PPI back in 2009 after my wife helped me and showed me Martin's website and helped me write letters to get PPI back from previous credit cards. One question: for my Egg credit card, they said I applied for the card online, and they could not be liable for me not reading the literature about PPI, and refused to pay back anything. Could I still claim any amount from that?
Anyway, after those CC claims, I got about £2,700 which was good.

But more recently I remembered I also had loans, with Cahoot, Northern Rock and Egg, and never claimed the PPI back. So I called all of those yesterday. Cahoot having been bought by Santander, they were really difficult, they gave me a PO Box address to which I wrote Martin's letter asking for my T&C and agreement to be sent back to me. Do you have to include a stamped envelope with your address for them to return your contract to you? I did not.

Then I called Northern Rock. She found my policy but said I did not have PPI on it. Can I believe her? Is it possible she is lying?

Finally I called Egg. My records showed I had 2 loans with them, but I did not have any accounts numbers or anything... I was expecting them to send me packing. However, I got to speak to a lovely young man on the phone, who indicated I had in all 5 loans with Egg!!! The last one did not have PPI, but the previous 4 ones had PPI! He went on to read out to me all account numbers, the date the loans were opened and closed, the amount taken out each time! Fabulous. Only thing, those loans were dating back to between July 2002 & July 2004.
He then said to me, in those terms: "Did I hear you mention earlier on you did not agree to PPI in the first place and that you want to make a complain?" - I had never mentioned PPI to him at all! I just wanted my account numbers! He then went on to file a claim for me, and give me a reference number for it! WOW! When I hanged up I had to pinch myself. It could be too old a case but if it works out, 9 years interest must not be bad

Thanks for any answers you can give me.

Hi jean congratulations on your win so far, yes i think you have hit the nail on the head with regards to northern rock i have had this with LTSB for the last 6 months i have stuck to my guns and told them that i know i had ppi as i always covered borrowing with ppi, they have finally admitted i had ppi on two loans and are in the process of paying them out (sometime) lol so don't pay too much attention to them telling you you never had it. welcome to the forum.

beamerguy

jeanlucb wrote: »

First time posting here...

However, I got to speak to a lovely young man on the phone, who indicated I had in all 5 loans with Egg!!! The last one did not have PPI, but the previous 4 ones had PPI! He went on to read out to me all account numbers, the date the loans were opened and closed, the amount taken out each time! Fabulous. Only thing, those loans were dating back to between July 2002 & July 2004.
He then said to me, in those terms: "Did I hear you mention earlier on you did not agree to PPI in the first place and that you want to make a complain?" - I had never mentioned PPI to him at all! I just wanted my account numbers! He then went on to file a claim for me, and give me a reference number for it!

WOW, at last a member of staff on your side, that guy clearly believes his bank is in the wrong, well done him :T

You would never get that with Lloyds, RBS, Natwest, Capital One, MBNA, the staff at these banks are as corrupt as their CEO's

Talking of corrupt, anyone had any replies from Osorio yet ????

virtuous

cappo wrote: »

as beamer says put a complaint in to the fsa but let the ceo know first as it might save you the trouble

Hi Cappo,

Received two letters from Halifax, one thanking me for my email to Antonio Osorio dated 7th October and that my email has been forwarded to experienced complaint handler. Also another one 12th October saying that the complaint has been forwarded to one of the customer services and this is what she writes her words " Your complaint has been forwarded to me to deal with and respond to you. My understanding of your complaint is you are unhappy with your refund being paid to the insolvency practitioner. In our letter dated 22nd September, we confirmed the insolvency practitioner has instructed us to issue all refunds due to them. We are in receipt of our discharge letter, however we are bound by the insolvency practitioners decisions. Any objections you have regarding this you wil need to contact them. I feel that there is no further information in relation to your payment protection insurance mis-sale allegations that we can provide to you regarding your concerns about where any refunds will be paid. I have now closed our file and suggest if you are still unhappy regarding the outcome you should refer your concerns to the insolvency practitioner or Financial Ombudsmans Services (FOS) as previously advised"

Cappo, this is most chilling letter I have ever received. This letter had written to me before and I think she is feed up with their ceo's office forwarding my emails to her.

Cappo, someone here called Mich was paid his money by producing just like myself a discharge letter. His bank Lloyds. Halifax and Lloyds are one and the same bank, how could one person be paid and the other refused yet the same ceo.

beamerguy

virtuous wrote: »

Hi Cappo,

Received two letters from Halifax, one thanking me for my email to Antonio Osorio dated 7th October and that my email has been forwarded to experienced complaint handler. Also another one 12th October saying that the complaint has been forwarded to one of the customer services and this is what she writes her words " Your complaint has been forwarded to me to deal with and respond to you. My understanding of your complaint is you are unhappy with your refund being paid to the insolvency practitioner. In our letter dated 22nd September, we confirmed the insolvency practitioner has instructed us to issue all refunds due to them. We are in receipt of our discharge letter, however we are bound by the insolvency practitioners decisions. Any objections you have regarding this you wil need to contact them. I feel that there is no further information in relation to your payment protection insurance mis-sale allegations that we can provide to you regarding your concerns about where any refunds will be paid. I have now closed our file and suggest if you are still unhappy regarding the outcome you should refer your concerns to the insolvency practitioner or Financial Ombudsmans Services (FOS) as previously advised"

Cappo, this is most chilling letter I have ever received. This letter had written to me before and I think she is feed up with their ceo's office forwarding my emails to her.

Cappo, someone here called Mich was paid his money by producing just like myself a discharge letter. His bank Lloyds. Halifax and Lloyds are one and the same bank, how could one person be paid and the other refused yet the same ceo.

Hi, ok this is what you do ..... contact the insolvency practitioner and ask WHY they have instructed the bank to send all payments to them as you are discharged.
Contact Lloyds and advise them you are doing this. Advise them that the file is not closed until "the fat lady sings" in other words until you are compensated, the file is still open

Dont get upset by some stupid girl employed by Lloyds Bank, the way things are going with Lloyds she will soon be on the dole along side many other Lloyds staff

Please report back here what the insolvency practitioner says before you do anything else

virtuous

beamerguy wrote: »

Hi, ok this is what you do ..... contact the insolvency practitioner and ask WHY they have instructed the bank to send all payments to them as you are discharged.
Contact Lloyds and advise them you are doing this. Advise them that the file is not closed until "the fat lady sings" in other words until you are compensated, the file is still open

Dont get upset by some stupid girl employed by Lloyds Bank, the way things are going with Lloyds she will soon be on the dole along side many other Lloyds staff

Please report back here what the insolvency practitioner says before you do anything else

Hi Beamer,

The insolvency practitioner did not contact Halifax, they contacted them. The Official Receiver had no clue about my PPI. Halifax sold the house and the money distributed to the creditors. There were only 4 creditors and in my Experian file it shows that they are satisfied why then would Halifax play this game. Something is not right.

By the way Cappo, the letter was not signed, just her name and job title which is just customer services.

beamerguy

virtuous wrote: »

Hi Beamer,

The insolvency practitioner did not contact Halifax, they contacted them. The Official Receiver had no clue about my PPI. Halifax sold the house and the money distributed to the creditors. There were only 4 creditors and in my Experian file it shows that they are satisfied why then would Halifax play this game. Something is not right.

By the way Cappo, the letter was not signed, just her name and job title which is just customer services.

very interesting, ok could you please contact the receiver and ask them directly if Halifax repaid the PPI premiums would they expect the money or can it go to you directly, it is going to be a yes or no answer.

Please let me know here or PM me. Happy to draft a letter for you subject to what the receiver says

WHY WOULD HALIFAX PLAY THIS GAME YOU ASK ?
They, as you know are part of Lloyds TSB and Lloyds are playing these games as well. These stalling tactics clearly shows that something is not right with the Lloyds Banking Group.
Stalling tactics could well mean that Lloyds do not have sufficient funds to satisfy all the claims which has been voiced here many times.

First things first, let me know what the receiver says please

Katie_m_w

hi, hoping for some advice...
we took out a £15k loan in may 2007. the ppi was an extra £3673.50 and the loan is over 20 years.
the ppi was sold as part of the deal as we were told we could reclaim the ppi in full after 5 years if no claims were made.
we are coming up to the 5 year period of no claims and are wondering whether we are better off claiming back the ppi via the letter found on this site or if it's best to just wait for the 5 year period to end.
does the ppi letter get just the ppi money back or is there compensation as well?
Thanks for any advice you can give

virtuous

beamerguy wrote: »

very interesting, ok could you please contact the receiver and ask them directly if Halifax repaid the PPI premiums would they expect the money or can it go to you directly, it is going to be a yes or no answer.

Please let me know here or PM me. Happy to draft a letter for you subject to what the receiver says

WHY WOULD HALIFAX PLAY THIS GAME YOU ASK ?
They, as you know are part of Lloyds TSB and Lloyds are playing these games as well. These stalling tactics clearly shows that something is not right with the Lloyds Banking Group.
Stalling tactics could well mean that Lloyds do not have sufficient funds to satisfy all the claims which has been voiced here many times.

First things first, let me know what the receiver says please

Hi Beamerguy

I did contact the Receiver a guy called Lamb,at first they did not want to tell me, I asked the receptionist if they have any dealings with Halifax and innocently said that their PPI officer opened my file and when I asked to talk to him, at first he fobbed me off saying that he was just closing my file that is why it was open - obviously those were lies. When I called second time, this Lamb fellow I reminded him of my discharge letter and also about directgov website and the information there that explains clearly that all companies listed in my bankruptcy cannot come after me unless this happened after my bankruptcy and because I was not getting any where with him and it was my lunch break, I had to disconnect him. There were only 2 companies involved in this, plus Halifax - who sold the house, First National Bank and British Credit Trust Limited. I have not even claimed PPI on these companies which I know must have mis-sold ppi. In my Experian Credit file, both companies balance: satisfied.

This whole thing is very confusing and I am so stressed out by it.

jeanlucb

Katie_m_w wrote: »

hi, hoping for some advice...
we took out a £15k loan in may 2007. the ppi was an extra £3673.50 and the loan is over 20 years.
the ppi was sold as part of the deal as we were told we could reclaim the ppi in full after 5 years if no claims were made.
we are coming up to the 5 year period of no claims and are wondering whether we are better off claiming back the ppi via the letter found on this site or if it's best to just wait for the 5 year period to end.
does the ppi letter get just the ppi money back or is there compensation as well?
Thanks for any advice you can give

I'm not an expert on this, but I think if you claim the PPI back, you will also get the interest on that amount back @ 8% or so...

jeanlucb

beamerguy wrote: »

WOW, at last a member of staff on your side, that guy clearly believes his bank is in the wrong, well done him :T

You would never get that with Lloyds, RBS, Natwest, Capital One, MBNA, the staff at these banks are as corrupt as their CEO's...

Egg has just been bought by Barclays, so I'm wondering if this is related in any way...