I've been paid PPI twice

Sorry if I should of posted this somewhere else. I'm new here so please forgive me if it's in the wrong place. Here is my story.


I successfully claimed back just over 5k earlier this year from Mis-sold PPI on my lloyds tsb loan. I did it myself by calling Lloyds and received my claim about 10 weeks later. Just after the 8 weeks I complained they were late paying me the money so they advised they would add the interest on. I was very happy but confused to get paid the same ammount again 2 days later plus the £9 interest.
I relaised straight away that it was a mistake so called my bank to notify them. The man on the phone told me there was nothing he could do as it was 8pm and the PPI department was shut. He told me to ring back in the morning at 8am. So I called back the next day telling the PPI department that they had over paid me and that they could take it straight back out the aco!!!! they paid it into as the money was not mine. The lady thanked me for being honest and told me it would take a few days. A week later they still had not taken the money so I called again. This time the man on the phone said he would send an email to the refund department and get them to take the money from my bank account. I waited on the phone for about 15 minutes while he typed the email and again thanked me for being honest. I waited about another week and they still had not taken it, so I called again. This time the lady told me she could see the email the man from the PPI department had sent the week before and that I just have to wait for them to take it once the refund department get round to it. By this point I was really annoyed. It had cost me a fair bit in mobile phone calls. I waited another 3 weeks and got really annoyed and went into my local lloyds tsb branch where I hold my account. I spoke to a member of staff who was quite concerned that PPI had not taken the 5k back out of my account. I was running out of time on my lunch break so they asked me to come back 2 days later to file a complaint. So I went and the bank manager there called the PPI department. When she got through they would not speak to her. They told her that they wanted to speak to me. So I went ont he phone and the man just basically said 'Look we have sent your details to the refund department. There's nothing more we can do. It will be taken when it's taken'. He just did not seem bothered at all. My bank manager was angry and told me she would check my account every day to check if they have taken it or not.
It has now been over 13 weeks and the money is still sitting in my account. I know It has to be paid back and I don't expect to keep it as it's not my money. But why should I be their financial babysitter. I told them to take it there and then and my bank manager even offered to give them my debit card number there and then. I'm frustrated. I've heard nothing and It's cost me phone calls and a lunch break and a morning off work so far to try and get it sorted. My salarly and wedding savings and house deposit are all in this aco!!!! and money is coming in and going out all the time. I just want it gone now out my account so I can keep tabs on my own spendings and savings without worrying I am going to accidently dip into it without realising. How can I amke them take it out? What more can I do? It's making me feel nervous having this in my account. When they take the money back will I be able to claim for the phone calls trying to get this sorted. Sorry to moan a full length essay I am just frustrated on why they are taking their time.

Comments

  • JDC14
    JDC14 Posts: 436 Forumite
    Open a high-interest savings account and put it in that.

    Ring the bank and tell them you want your details changed to state that you want the money taken from that account.

    I don't know if you'll get away with it, but you may as well try and earn some good interest while they're messing you about.

    Don't forget to ring them again and tell them you want to claim the cost of your phone calls back due to their errors.
  • Thank you both for replying. I thought they would have snatched my hand off to have it back, but I suppose 5k is a lot to me, to them it is probably pence lol. I will wait it out and see how long they take to claim it back and then charge them my finanacial babysitting rates lol. What a brilliant business idea hehe
  • Ipswich1984
    Ipswich1984 Posts: 108 Forumite
    I have the same problem with Lloyds, they paid me double in October last year, I'm still waiting for them to take the money back.

    I got so fed up waiting and worrying it would get mixed up with my own money that I moved it to a savings account and then emailed Lloyds to tell them that I have done this and that of they wish to take the money then they will need to notify me so I can move it back. I did all of this via email so I had written evidence that I informed them of my actions.

    So far I have heard nothing though!
    Sorry if I should of posted this somewhere else. I'm new here so please forgive me if it's in the wrong place. Here is my story.


    I successfully claimed back just over 5k earlier this year from Mis-sold PPI on my lloyds tsb loan. I did it myself by calling Lloyds and received my claim about 10 weeks later. Just after the 8 weeks I complained they were late paying me the money so they advised they would add the interest on. I was very happy but confused to get paid the same ammount again 2 days later plus the £9 interest.
    I relaised straight away that it was a mistake so called my bank to notify them. The man on the phone told me there was nothing he could do as it was 8pm and the PPI department was shut. He told me to ring back in the morning at 8am. So I called back the next day telling the PPI department that they had over paid me and that they could take it straight back out the aco!!!! they paid it into as the money was not mine. The lady thanked me for being honest and told me it would take a few days. A week later they still had not taken the money so I called again. This time the man on the phone said he would send an email to the refund department and get them to take the money from my bank account. I waited on the phone for about 15 minutes while he typed the email and again thanked me for being honest. I waited about another week and they still had not taken it, so I called again. This time the lady told me she could see the email the man from the PPI department had sent the week before and that I just have to wait for them to take it once the refund department get round to it. By this point I was really annoyed. It had cost me a fair bit in mobile phone calls. I waited another 3 weeks and got really annoyed and went into my local lloyds tsb branch where I hold my account. I spoke to a member of staff who was quite concerned that PPI had not taken the 5k back out of my account. I was running out of time on my lunch break so they asked me to come back 2 days later to file a complaint. So I went and the bank manager there called the PPI department. When she got through they would not speak to her. They told her that they wanted to speak to me. So I went ont he phone and the man just basically said 'Look we have sent your details to the refund department. There's nothing more we can do. It will be taken when it's taken'. He just did not seem bothered at all. My bank manager was angry and told me she would check my account every day to check if they have taken it or not.
    It has now been over 13 weeks and the money is still sitting in my account. I know It has to be paid back and I don't expect to keep it as it's not my money. But why should I be their financial babysitter. I told them to take it there and then and my bank manager even offered to give them my debit card number there and then. I'm frustrated. I've heard nothing and It's cost me phone calls and a lunch break and a morning off work so far to try and get it sorted. My salarly and wedding savings and house deposit are all in this aco!!!! and money is coming in and going out all the time. I just want it gone now out my account so I can keep tabs on my own spendings and savings without worrying I am going to accidently dip into it without realising. How can I amke them take it out? What more can I do? It's making me feel nervous having this in my account. When they take the money back will I be able to claim for the phone calls trying to get this sorted. Sorry to moan a full length essay I am just frustrated on why they are taking their time.
  • McKneff
    McKneff Posts: 38,819 Forumite
    Name Dropper First Anniversary First Post
    Just ope a high interest account and put that money into it, nothing else, and forget about it for 6 years, that's how long they have to claim it back.

    You can get quite a good lump of interest over 6 years;

    Put it in there and rub your hands in glee.
    make the most of it, we are only here for the weekend.
    and we will never, ever return.
  • Hi Ipswich it's frustrating isn't it. My bank have moved it into a savings account too because I have money coming in and going out all the time so they didn't want me to dip into it. I was disgusted at the staffs attitude. They told me I shouldnt have informed them and should have spent it. How thick can they get. Even my financially uneducated self knows that's against the law not to mention theft.
    Hi McKneff thanks for posting. Let's see how long it takes them lol
  • garyn22
    garyn22 Posts: 16 Forumite
    I also have been paid twice from lloyds tsb.In june 2012 I had £3600 go into my bank account a few days later another £3600 went in.I phoned them to tell them they had paid refund twice.Said they would inform right department and they thanked me for been honest.Heard nothing from them.Phoned again in aug said they are looking into it.Also have sent to two emails since aug 2012.NOTHING .Money been in my bank account since june 2012.
  • I've been paid out twice on a ppi claim, I've paid commission on both, know there saying, one of the claims was an error, I phoned up before I cashed cheque they said it was legit, do I haft to pay back, cause of there error 
  • [Deleted User]
    [Deleted User] Posts: 35,242 Forumite
    First Anniversary Photogenic Name Dropper First Post
    Yes, you have to pay it back.
  • dunstonh
    dunstonh Posts: 116,231 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    Tezza49 said:
    I've been paid out twice on a ppi claim, I've paid commission on both, know there saying, one of the claims was an error, I phoned up before I cashed cheque they said it was legit, do I haft to pay back, cause of there error 
    Of course you do.  You have no legal right to benefit from an error.   If it had been the other way around, i.e. they paid you half the amount, you would not expect them to say tough luck. You would expect it corrected.    It works both ways.

    Warning to others.... this is a 2012 thread revival.  Don't go answering the OP.
    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
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