PPI Reclaiming Discussion Part 5

cappo

amersall wrote: »

You need to post your question here

http://forums.moneysavingexpert.com/forumdisplay.php?f=159

They know what happens with PPI on debts like these and can help you more.

You have been a busy girl.:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A

davemere

Hi there,

I've just started the process of claiming back PPI, and I'd welcome any advice people might have. In particular, three of my credit cards have changed between lenders in the time that I've had them; for example, my Egg Card was bought out by Barclaycard. In the two other cases, I'm not entirely sure which card used to belong to which lender. Embarrassing, but it's a mess I'm aiming to sort out.

I know that the first step is to get hold of the T&Cs of the original agreements. My question is, how do I do this when the debt has been shifted between companies like this? Who do I contact to ask for a copy of my policy? My current lender or the original? And, how can I find out exactly who the original lender was?

thanks in advance - all advice appreciated!

[Deleted User]

davemere wrote: »

I know that the first step is to get hold of the T&Cs of the original agreements.

This will be a waste of time in your case unless any of the credit cards are still active.
You need to complain to the provider who originally sold the PPI to you.
Basically, if you have account numbers, you can skip straight to complaint
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

ac944

Hi after making a PPI complaint for 5 lloyds tsb loans on 19th Feb, i received this email today.... anyone experienced this before? Sounds positive? any views, thoughts, experiences welcome!

"Thank you for your recent email, I have tried to contact youon your mobile phone but unfortunately you were not available.

In order to resolve your complaint as quickly as possible Ihave prioritised it through our assessment process. I can confirm that yourcomplaint has now been accepted and is currently with our Refund Team to prepare the refund calculation and make the appropriate payment. I willcontinue to monitor your case to ensure there is no delay.

I will also arrange for the refund to be paid directly toyour Lloyds TSB account (ive deleted my acc number)! and I will be in contact with you againto confirm these arrangements have completed."

[Deleted User]

ac944 wrote: »

Hi after making a PPI complaint for 5 lloyds tsb loans on 19th Feb, i received this email today.... anyone experienced this before? Sounds positive?

It does sound as if they are ready to pay your redress. Why not reply to the E-Mail and find out?

ben80

Suzi_R wrote: »

Hi,

Just wanted to let everyone know about MBNA timescales.

I sent a complaint letter to them on the 05/04/2012 and received a letter back about 2 weeks later advising me of their 28 day turn around. Around 28 days later I received a letter to say it would be a further 14 days. As I had not received a response I emailed them and was told I would hear back within 7 days at the lastest. 8 Days later I have received a response to say they have lost my complaint!

I am now having to resubmit my complaint 10 weeks after the original was sent. Great Service

Sounds like standard delaying tactics to me. You have 2 choices, start again or complain to the FoS.

diddldonna

ac944 wrote: »

Hi after making a PPI complaint for 5 lloyds tsb loans on 19th Feb, i received this email today.... anyone experienced this before? Sounds positive? any views, thoughts, experiences welcome!

"Thank you for your recent email, I have tried to contact youon your mobile phone but unfortunately you were not available.

In order to resolve your complaint as quickly as possible Ihave prioritised it through our assessment process. I can confirm that yourcomplaint has now been accepted and is currently with our Refund Team to prepare the refund calculation and make the appropriate payment. I willcontinue to monitor your case to ensure there is no delay.

I will also arrange for the refund to be paid directly toyour Lloyds TSB account (ive deleted my acc number)! and I will be in contact with you againto confirm these arrangements have completed."

Why not phone them now, i did that and got the shock with the amount they was paying me back.

amersall

Moneyineptitude wrote: »

This should read
"putting you back in the position that you would have been had the PPI NOT been on the loan"

thought I had edited that obviously not
proves you read my posts though :D ta.
I know I can post utter tosh and you will be there to watch out for me :cool:

ac944

thanks, the line shuts at 6pm... just thought i would post on here to see if anyone had rec'd anything similar and ended up with a positive outcome!

amersall

cappo wrote: »

You have been a busy girl.:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A:A

Tell me bout it :eek: thought the world had ended and I was the only one left on here at one point :D
How's tricks stevie baby :A:kisses2: