My First Post - Hello , Debt, DMP & PPI claim be taken seriously

NewcastlePaul

Sar sent to Barclaycard.
Will just see what happens.
Not bothered if 2 year wait as probably 5 years left on DMP anyways.

Also £10 fee might be a waste but £10 fee to HBOS helped FOS to change their mind so its all part of the bigger picture.

Also if I do get full refund off HBOS. That added to current DMP payments mean that in the new year I would have refunds equivalent to 50% of my outstanding debt ready to offer F&F settlements.

They arent all going to settle for that. In fact some mightn't accept anything less than the full amount. But worse case scenario I will only be 25k in debt. Sounds better than original 108k !!!

NewcastlePaul

NewcastlePaul wrote: »

Good news.

The FOS have wrote to me today advising that HBOS have informed them that they will be making me an offer. This is expected to be in the next 8 weeks !!!

HBOS timeline

6th January - Rang to enquire about PPI
15th January - Form received, filled in and returned
4th February - Phone call off HBOS to discuss form
8th February - Letter off HBOS saying I agreed to PPI so no refund
21st February - Sent off SAR letter to HBOS
2nd April - Received all paperwork from HBOS
28th April - Got in touch with FOS
16th May - Received form from FOS.
17th May - Sent form and ALL HBOS paperwork to FOS
18th October - Received a letter from FOS with good news above
8th November - Received a letter from FOS saying HBOS going to make offer within 8 weeks !!!!

received the letter on Saturday 29th November
HBOS have upheld complaint.

They will refund £991.62
and also add £680.91

£136.18 goes to the tax man so I will get a cheque for £1,536.35 !!

NewcastlePaul

NewcastlePaul wrote: »

received the letter on Saturday 29th November
HBOS have upheld complaint.

They will refund £991.62
and also add £680.91

£136.18 goes to the tax man so I will get a cheque for £1,536.35 !!

Cheque for £1,536.35 received and banked :j

NewcastlePaul

Current PPI Status as of 7th December 2014

£9,262 Cheque Received (Lloyds Tsb)
£8,190 Cheque Received (Barclays)
£5,708 Bank Transfer Received (NRAM)
£1,536 Cheque Received (Bank Of Scotland)
£1,122 Cheque Received (Barclaycard)
£0,625 Cheque Received (MBNA)
£0,206 Bank Transfer Received (NRAM)

£1,906 Offered - £1,700 against Balance - £206 Comp (NRAM)
£0,563 Offered - All against Balance (Monument)
£0,028 Offered - Comp as had paid card off (Capital)


Been advised no PPI- (LLoyds TSB Credit Card)
Hitting A Brick Wall - (Goldfish x2) - Have sent a SAR to Barclaycard and HSBC. Might prove fruitless but without a SAR i wouldn't have got FOS to change Bank Of Scotlands mind to first refusing and then offering £1,536 refund

£26,687 - Total Received So Far
£02,354 - Total Offset against Balances
£29,041 - Grand Total

NewcastlePaul

Hello and Happy New Year.

I sent my SAR letters off to Barclaycard and received all the data.
They showed statements with PPI from

a) an older Barclaycard opened in June 2000.
Surprised it goes back that far but account number and car number and a flag that PPI was the account.

b) Morgan Stanley card taken out April 2003
c) Goldfish card taken out May 2004

As ever just because I have now have documents to show that PPI was paid is not an automatic reason for a refund but I have filled a claim form in with the reasons I believe it was missold.

Will get an acknowledgement within a week and then a decision within 8 weeks. After that my PPI journey will come to an end.

Nasqueron

Try on the debt free wannabe subforum for suggestions on what they will accept - you could try 50% or 75% but they may or may not accept it, who knows

NewcastlePaul

thank you.
Will do.

NewcastlePaul

NewcastlePaul wrote: »

Hello and Happy New Year.

I sent my SAR letters off to Barclaycard and received all the data.
They showed statements with PPI from

a) an older Barclaycard opened in June 2000.
Surprised it goes back that far but account number and car number and a flag that PPI was the account.

b) Morgan Stanley card taken out April 2003
c) Goldfish card taken out May 2004

As ever just because I have now have documents to show that PPI was paid is not an automatic reason for a refund but I have filled a claim form in with the reasons I believe it was missold.

Will get an acknowledgement within a week and then a decision within 8 weeks. After that my PPI journey will come to an end.

Received my acknowledgement for above and informed that I they will make a decision and let me know within 40 days.
By the date on the letter it works out that I should know by
Friday 13th March.

So fingers crossed that another SAR has done the job.

amersall

Well done on your journey with PPI, glad you are sorting your debts out.
What an amazing total win :j:j brilliant :D

NewcastlePaul

Got the letters off Barclays today.
They have reviewed the Morgan Stanley and Goldfish card PPI claims.

I done the application at the same time online.
They were both postal applications. I did tick both boxes back in the day. Gave same reasons. I actually copied and pasted the application

They were reviewed the same day by the same person and i got both responses the same day.

One was upheld (MF) saying they felt it was missold
The other was refused saying no miss-sale.
Seems a bit strange when same person reviewing identical claims but one that was upheld was worth a lot more than the one which wasnt