PPI Reclaiming Discussion part 4

cappo

Joannie51 wrote: »

I got rejection from Barclaycard too it was originally Morgan stanley so have asked them to provide the morgan stanley application as in their letter they are saying that Barclay card sales process at the time of the sale required our staff to state that the policy was optional and that their staff fully discussed everything etc etc. Well how could they if it was morgan stanley.... What did your rejection say.

I had exactly the same joannie mine was a morgan stanley card too, got a rejection said exactly the same "you have full disclosure of t&c's but of course they were barclays t&c's not morgan stanleys took it to fos and won.

cappo

lisajaynec wrote: »

Just received offer from HSBC £2437.34 from a 2002 loan. Said it will be paid into my bank account within 28 days. We shall wait and see :j

Also received the £150 from Co-op for them losing my SAR request internally after its been signed for.:beer:

Anyone who thinks that they cant do this themselves, think again. So far I have received

MBNA Credit card-£9,000 :j
Santander-House of Fraser-£650 :j
Creation card-£135 :j
Santander-Loan £300 :j
Co-Op-£150 :j

Upheld waiting on payment HSBC £2437.34 :j
Cornhill Upheld awaiting figures :j

Still waiting to hear from
LTSB X 2 Loans
Yorkshire Bank x2 loans
Santander-burtons card
Barclays Loan through Mercantile Credit
Halifax

1 claim loged with FLA
Santander for Lombard Tricity Finance loan

and 2 claims lodged with FOS
Santander-wallis card
Santander-Scottish Power card

Just a warning though, this becomes compulsive and I spend so much time on here posting and reading others posts, these people have become friends offering good advice and who are supportive and always offer solutions. I couldn't have done this without you all!!
Thank you :T
:beer: :money:

nice one lise well done.:beer::beer::beer::beer::beer::j:j:j:j:money::money::D:D:cool::cool::cool::T:T:T:):):)

cappo

Murphy35 wrote: »

Hi Everyone

I successfully reclaimed £934 from Halifax in relation to my credit card. I had a second claim in against my loan and today I received a pack for a replacement loan without PPI.

My original loan was for £15,000 over 7 years this new loan is for approx £8,000 over the remaining 39 months. The difference in the monthly payments is about £30.

I'm confused though because they haven't acknowledge my claim as being successful so should I be expecting a letter and hopefully cheque re PPI already paid or is the repayment factored into my new loan argreement.

Their offices closed at 6pm so I'm going to phone in the morning but I thought it was worth checking on here to see if anyone had had a similar experience.

Also my loan repayments are ticking along nicely am I within my rights to ask for the money to be repaid in a lump sum?

Hi murphy sounds like an uphold, yes there's no reason that they can't refund you the money in a lump sum if your up to date with your payments.

cappo

beamerguy wrote: »

YES DO IT, the more pressure we can put on the CEO's the better, mind you Osorio CEO of Lloyds seems to be in hibernation at the moment

Maybe he's not a man he might be a hedgehog.

beamerguy

cappo wrote: »

Maybe he's not a man he might be a hedgehog.

:rotfl::rotfl::rotfl::rotfl::rotfl:

Prickly and full of fleas :rotfl::rotfl::rotfl:

Joannie51

cappo wrote: »

I had exactly the same joannie mine was a morgan stanley card too, got a rejection said exactly the same "you have full disclosure of t&c's but of course they were barclays t&c's not morgan stanleys took it to fos and won.

Thanks cappo been waiting on them sending me the signed form from Morgan Stanley but its taking ages. How long wait did you have with the FOS

beamerguy

Joannie51 wrote: »

Thanks cappo been waiting on them sending me the signed form from Morgan Stanley but its taking ages. How long wait did you have with the FOS

I am picking up bad vibes regarding Morgan Stanley and EGG now owned by Barclays.

Barclays purchased the Intellectual rights to both names therefore Barclays are wholly responsible for the agreements be they fraudulent or not.

cappo

Joannie51 wrote: »

Thanks cappo been waiting on them sending me the signed form from Morgan Stanley but its taking ages. How long wait did you have with the FOS

9 months i'm afraid and that was being fasttracked.

lisajaynec

beamerguy wrote: »

Lisa, you are a good gal you are x

Love it thank you so much, reading this forum has transformed my life and I'm debt free first time in my life apart from my mortgage, thank you everyone

beamerguy

lisajaynec wrote: »

Love it thank you so much, reading this forum has transformed my life and I'm debt free first time in my life apart from my mortgage, thank you everyone

Well done Lisa