Let Down

-taff

You started by complaining that you were the only one not getting any money back, then complaiing that banks are run by money men and rich people and that people were being lied to on this site, then switched to not everyone is confident enough to complain, everyone on here is a liar, and Martin Lewis is making money off it.

You don't appear to know what your point or what your argument is.
Either all the comments from epople who hve won something are lies, or the people giving the advice are not being honest. You can't have it both ways.

|As above, I'll leave you to your complaining.

meer53

I have claimed back PPI by sending in a form i downloaded from my banks website. It was the standard FOS complaint form. I was refunded just short of £4k within 6 weeks of making my complaint.

I have also personally dealt with most of the PPI claim companies, investigating PPI complaints. Guess which form most of them use ? Yes, exactly the same form that i did. They just fill it in, stick it in an envelope and send them to the banks. If i had done that, they would have received £1k of my refund. They have a licence to print money. The highest claim i dealt with was for £48k, the customer had claimed themselves. Would you agree to give a claims company 25-30% of £48k for filling in a form ?

Why would any sane person do that ?

It takes about half an hour to fill in the form, if you can't find the time, you stand to lose a lot of money. Make your mind up.

Sarros

I have successfully had 3 ppi mis selling complaints upheld, Welcome Finance, Loans.co.uk and Bright Finance, all done by myself with no problems at all. My advice to anyone would be definitely do it yourself.

magpiecottage

Beck50 wrote: »

They probably all work for the banks and are paid a bonus for making people believe that by doing it themselves would be better, waste of time going through FOS, takes ages and comes back with the same conclusion,

The Financial Conduct Authority, the Financial Ombudsman Service, the Claims Regulator (which regulates CMCs) and the Advertising Standards Authority all say that it makes no difference using a CMC rather than doing it yourself.

In my experience, CMCs frequently produce standard complaints which can quickly be shown to be untrue, whereas a genuine complaint about something is likely to need specific investigation and so, if anything, the chance of success is increased.

This will not show up in FOS statistics because such a case would not need its involvement.

bengal-stripe

Stupid_Question wrote: »

Why were your complaints rejected?

OP, you have failed to answer (deliberately?) this very reasonable question. Before you do, nobody can give you any answer.

For all we know, you might never had any PPI.

Pleaseadvise

You sound like someone trying to drum up business for these scamming companies. See my signature for the results I've had. Only one company has been much of a problem - the rest didn't take long to admit they'd done wrong.

magpiecottage

Beck50 wrote: »

They probably all work for the banks and are paid a bonus for making people believe that by doing it themselves would be better, waste of time going through FOS, takes ages and comes back with the same conclusion,

Beck50 wrote: »

Way off the mark comment, I'd NEVER work for any organisation like that.

Beck50 probably works for the ambulance chasers and is paid a bonus for making people believe doing it themselves would be worse and that you get a better outcome by using her lords and masters.

My signature says who I work for - and it is not a bank.

BillJones

Beck50 wrote: »

Who has actually been successful doing it themselves and not some made up person to make these forums more believable...

...They probably all work for the banks and are paid a bonus for making people believe..

I was paid out after being given no choice but to take on PPI when I converted my student overdraft to a loan back in the 90s. I was never told that it was optional, so complained a few years back, and was refunded.

As to your paranoid second point, yes, I work for a bank, and no, I'm not paid for making things up. I'm paid for running my trading desk.

roonaldo

You are basically saying you are due a PPI refund because your friends had mis-sold PPI!

homestar55

I think the difference is that CMCs will specifically work towards proving that PPI was mis-sold which is why they ask questions about your financial situation and employment status at the time (to be fair some banks that offer their own PPI complaints service also give ample opportunity to show that it may not have been required) whereas people doing it themsleves may not be focused on that. If you can't/don't go down that angle in your own letters and instead just come across as 'I was sold PPI, turns out I didn't want it, I'd like it back' then you won't really get anywhere. You need to be able to show that is was mis-sold, not just sold.