PPI Reclaiming Discussion part 4

gratefull

cappo wrote: »

Hi guys these banks are incredible arn't they? you all know i had an uphold through the fos with barclaycard after being rejected originally, well i've been waiting for calculations and after chasing diamond i've had his minions now say that i did'nt have ppi after all, they can now find no trace of it on my morgan stanley card (according to them) so they arn't going to uphold it now, even the fos don't know what these clowns are doing so it'll be going back there what do you all think of that?

SHAMEFUL PITIFUL NONE EVENTFUL DISGRACEFUL
Trying to get justice from these.............I can only use the word SPITEFUL organisations, is like asking them not to swim in the pee:eek: free section of the pool

beamerguy

gratefull wrote: »

SHAMEFUL PITIFUL NONE EVENTFUL DISGRACEFUL
Trying to get justice from these.............I can only use the word SPITEFUL organisations, is like asking them not to swim in the pee:eek: free section of the pool

BOB DIAMOND IS PROVING HIMSELF NOT ONLY TO BE A LIAR, (we will refund, no quibble, PPI misold policies) >>> that's what he said, HE IS ALSO PROVING TO BE HIMSELF ONE OF JERKS HE WANTS TO GET RID OFF ? BOB DIAMOND, YOU ARE THE JERK WHO RUNS A COMPANY OF JERKS

THE "JERK" HIMSELF

jeannie1505

beamerguy wrote: »

:rotfl::rotfl::rotfl: It's too small for all of us Jeannie plus i hear that Cameron snores :rotfl::rotfl:

ALL FOR ONE AND ONE FOR ALL

well he can sleep in the garden then!!!
Have today checked my account to see that Barclaycard have paid in my claim £4884, this less than a week after I sent back the acceptance,Start to finish it has taken less than 6 weeks, so party at number 10 and I guess now Christmas may be a little squiffy and contain large amounts of liquid refreshment and hangover pills.

Merry Christmas to everyone on here.............x:T:T:T :beer:

beamerguy

cappo wrote: »

Hi guys these banks are incredible arn't they? you all know i had an uphold through the fos with barclaycard after being rejected originally, well i've been waiting for calculations and after chasing diamond i've had his minions now say that i did'nt have ppi after all, they can now find no trace of it on my morgan stanley card (according to them) so they arn't going to uphold it now, even the fos don't know what these clowns are doing so it'll be going back there what do you all think of that?

cappo, see PREVIOUS, DIAMOND the man who wants to get rid of JERKS in Barclays is probably the BIGGEST JERK in Barclays, no wonder he has so many "little jerks" in his company, FOLLOW THE LEADER

THE TOP BANKING JERKS OF 2011

STEPHEN HESTER, RBS/NATWEST
BOB DIAMOND, BARCLAYS
IAN ODOHERTY, MBNA, BANK OF AMERICA
ANTONIO OSORIO LLOYDS BANKING GROUP
RICHARD FAIRBANK CAPITAL ONE

The words plebs, morons, idiots are just as applicable but in Bob Diamond's words ..... JERKS, much better:rotfl::rotfl::rotfl:

beamerguy

jeannie1505 wrote: »

well he can sleep in the garden then!!!
Have today checked my account to see that Barclaycard have paid in my claim £4884, this less than a week after I sent back the acceptance,Start to finish it has taken less than 6 weeks, so party at number 10 and I guess now Christmas may be a little squiffy and contain large amounts of liquid refreshment and hangover pills.

Merry Christmas to everyone on here.............x:T:T:T :beer:

WOW, at least someone at Barclays is still awake, CONGRATS .. well, dont get too p....d will you, HAPPY XMAS

amersall

weefi5 wrote: »

Hi

I wonder if someone can give me some advice please, I have had in the past 2 loans with with HBOS that were applied for over the phone and on both occasions I was asvised to take PPI. One loan was before 2005.If you have the account numbers and reasons for mis sell (i will post the link to the reasons)I have also had 2 credit cards that had PPI again one of which was pre 2005, the other the account is still open, however I stopped paying PPI in 2007 on it and I had a store card taken out pre 2005 that again I paid PPI on, however that accout is now settled and I dont have any paper work.You need to contact the banks and see if they can find any details for your cards,if they cant,send them a SAR (i will post the link for this) I was also advised by my bank to take out mortgage payment protection in late 2006 and I still pay this. Should I cancel this policy and reclaim as I have read that many of these were advised at the time I took out my mortgage despite them not always being needed
Depending on what the insurance was for the mortgage,you need to post this question here
http://forums.moneysavingexpert.com/forumdisplay.php?f=187
They are more experienced regarding MPPI.


Is it worth making a claim?
Do I need to write about each loan seperate even if some of the lenders are the same?If it is the same lender, you can do one claim for all account numbers some do this over the phone.

Your advice regarding this would be greatly appreciated

I am sorry your post was not responded to yesterday:o:o

Here are the links for the info you need.
https://forums.moneysavingexpert.com/discussion/1475553
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2
The SAR will cost you £10 per bank,so dont forget to enclose a cheque for this.
If you need anymore help,just ask.

amersall

JUSTMYLUCK wrote: »

Hi all

We were after some advice.

We were rejected by MBNA back in August, so went to FOS who upheld our case we have been waiting for calculations.

We recieved a letter today saying we are being refunded our ppi

Premiums paid from date of sale total £1654
plus interest £7500
and 8% £249


Which is great on one hand..... On the other we have had the card for 15 years and for 12 of them have paid ppi on it. We know that we have paid at least £3000 in ppi since start date 1996. On some statements alone for the years 2007 and 2008 it came to £1600 we had a balance of £8500 and were paying £69 per month.

What do we do its says final offer, and they've followed guidlines but they havent told us how they came to the figure or how they have worked it out.

Also our letter says from FOS that they are to put us back into a position we would have been without ppi. I don't know how they have seemed to have lost £1500 at least worth of ppi.

Any help very much appreciated.

Merry Christmas to all.

JUSTMYLUCK

Hi there,some banks only pay for the previous 6 years on credit cards.if you have statements showing ppi before that,then send copies of these in and ask that they look at these and redress these statements also.

amersall

Rylo82 wrote: »

Hey guys and girls,

I've just started on the journey that many of you have already completed (getting money back from those shocking institutions), and would like a few pointers if possible...

Basically, I'm trying to see whether I have the right to claim first of all, as I honestly have no idea if PPI was added to any of my accounts. I had a loan and credit card with Egg, a credit card with Barclaycard and a car loan with Black Horse. The Black Horse one stared in 2005 so I'm not sure I can claim there, but wanted to know how I even find out if this is possible WITHOUT any paperwork or account numbers?

I've been on Equifax and got my credit report showing the list of accounts that I've opened etc etc, but no specific account details.

Any help would be greatly appreciated.:)

Hi,you need to do a SAR for all info they hold on you,just to let you know,if you get copies of the credit card agreements,they may not show ppi as most ppi is taken when you ring up to activate the cards,do the SAR and see what comes back,this will cost you £10 for each company so dont forget to enclose cheques for this amount.
https://forums.moneysavingexpert.com/discussion/1475553

Stormy38

Had a very interesting conversation with the claims department at RBS/Natwest, who unsurprisingly didn't have any record of my mis-selling claim, told me to send the SAR through but that I didn't have to pay for the information. When I queried the £10 fee, he told me 'we are telling all the customers phoning through they don't need to pay for this information'. My comment.......................another delay tactic to put people off when they are sent a letter asking for the £10, from him...........silence.
I sent my SAR with the £10 cheque!!!

SJB80

Hi

Another newbie looking at PPI reclaim with some quick questions which I hope you can help with.

Fortunately i've always kept copies of Experian reports and have these over several years. Although I can see start and settled date of agreements they don't mention the actual account number.

I'm following Martin's checklist and it starts with sending a letter with a £1 payment to the lender but within the letter I need to state the account number. I don't have this, what do I do?

Do I start with this £1 letter or go direct to the SAR request?

I was also just looking at loans but should I also consider my ex-credit cards - i've had several of each.

Rather than use a company to do this for me how long would you say from start to finish does the process take?

Thanks Guys and sorry for posing questions which undoubtedly have been posted previously however I can see hundreds of posts and not sure where to start.

SJB