PPI Reclaiming successes and failures

theflowerpotman

Hello,

I am brand new to this and apologies if I am doing it incorrectly.

Firstly, has anyone dealt with 'The Claim Guys'? They were in touch with us and suggest that they will be able to reclaim > £6k on our behalf. Only drawback is the 30% + VAT they charge.

Having read the astonishingly helpful information on this site, I feel that I should proceed on my own. My concern is that, should I make any mistakes, it would not be possible to resubmit via the Claim Guys. Has anyone views on this?

I am a bit concerned as, for me, at least, the money that we might be able to reclaim, whilst not life changing, is very significant. I don't want to mess up!

Thank you in advance for any reassurance you might be able to give me.

TFPM

halphy

Hiya You will get enough help on here to go it alone, dont pay someone to do it for you. I have claimed 2 PPI back up to now on my own, fill in the questionnaire, you may get fob off letters but keep at it , Kate x

bdt1

Can't elieve my luck, wrote to Barclaycard months ago regarding missold PPI - couldn't remember if I had PPI or not, but thought nothing to lose by sending letter anyway.

Received in post few days ago letter explaining they want to credit my account with £600.85, this covers missold PPI and interest - what a result, can't believe it, but it has spurred me on to try with other cards I have had in the past

lickoloctupus

SusanED wrote: »

Hi, I am new to this so I apologise if this isnt the right place to put a question. I am looking for successes with Marks and Spencer, both the Personal Reserve account and their credit card. I have had both since the 90s. I am having a difficult time with them in respect of claiming PPI on both. On the Personal reserve (taken out in 1996) they simply state that M&S was unregulated intermediary for the sale of PPI and not a bank or member of the GISC. They efer me to FOS.
The credit card goes back further than this one by a couple of years but it will be the same company I assume although I cant find details.
Any positive feedback on others successes with spur me on I am sure as the rest of this site has.


I am in exactly the same position with Marks and Spencer's money with a charge card from 1995 and a personal reserve from 1999. I have chased via the templates since February and M and S have sent me their final stance..a big fat no....I have written to the FOS and they have said they cannot help as M and S were not covered by them at the time and nor where they covered by the GISC.
I have called Allianz who may have been the underwriters at the time and they have no record of me, but they were not very sure of anything and after 2 hours on the phone I could not find what department to speak to.
So I requested the underwriters info from M and S and after 4 weeks I have a reply...Cornhill Insurance and at the same time I requested the ammount of PPI paid. M and S would only give me the info from 1994 onwards so I have paid £500 and $900 on both accounts. Now my issue is that Cornhill is a subsidiary of Allianz now so does anyone know what address I would need to write to with regards to this.

lickoloctupus

theflowerpotman wrote: »

Hello,

I am brand new to this and apologies if I am doing it incorrectly.

Firstly, has anyone dealt with 'The Claim Guys'? They were in touch with us and suggest that they will be able to reclaim > £6k on our behalf. Only drawback is the 30% + VAT they charge.

Having read the astonishingly helpful information on this site, I feel that I should proceed on my own. My concern is that, should I make any mistakes, it would not be possible to resubmit via the Claim Guys. Has anyone views on this?

I am a bit concerned as, for me, at least, the money that we might be able to reclaim, whilst not life changing, is very significant. I don't want to mess up!

Thank you in advance for any reassurance you might be able to give me.

TFPM

Use the forum and the help on this site...I have got £1600 back so far and my father in law £9000 yes £9k without having to fork out more than a tenner in postage

theflowerpotman

Thanks for all comments so far. I will try and see! Good luck to all.
TFPM

SusanED_2

lickoloctupus wrote: »

SusanED wrote: »

Hi, I am new to this so I apologise if this isnt the right place to put a question. I am looking for successes with Marks and Spencer, both the Personal Reserve account and their credit card. I have had both since the 90s. I am having a difficult time with them in respect of claiming PPI on both. On the Personal reserve (taken out in 1996) they simply state that M&S was unregulated intermediary for the sale of PPI and not a bank or member of the GISC. They efer me to FOS.
The credit card goes back further than this one by a couple of years but it will be the same company I assume although I cant find details.
Any positive feedback on others successes with spur me on I am sure as the rest of this site has.



I am in exactly the same position with Marks and Spencer's money with a charge card from 1995 and a personal reserve from 1999. I have chased via the templates since February and M and S have sent me their final stance..a big fat no....I have written to the FOS and they have said they cannot help as M and S were not covered by them at the time and nor where they covered by the GISC.
I have called Allianz who may have been the underwriters at the time and they have no record of me, but they were not very sure of anything and after 2 hours on the phone I could not find what department to speak to.
So I requested the underwriters info from M and S and after 4 weeks I have a reply...Cornhill Insurance and at the same time I requested the ammount of PPI paid. M and S would only give me the info from 1994 onwards so I have paid £500 and $900 on both accounts. Now my issue is that Cornhill is a subsidiary of Allianz now so does anyone know what address I would need to write to with regards to this.

The address I have on my original document is

Cornill Insurance pls
Cornhill House
6 Vale Avenue
Tunbridge Wells
TN1 1EH

I have just copied them in my response to M&S saying they (M&S) have not answered the questions I asked; that I do not believe they have properly investigated my claim and as Cornhill are the named insureers I am asking them to look into it prior to taking to FSO.

Well you have to try dont you!

-SDW-

just go for it...its a great feeling when you get cash out of the bank.

dec22

freddie wrote: »

Thanks, will be doing this, do you think it is likely they will change their minds?
Is there a time limit the have to keep recording of calls for? although loan was taken out 6 years ago its prob too late.
Natwest had initally offered us 500 pounds settlement, we didnt take it and went to FOS. Can I now claim the 500 or was that not a small part of them admiting they were wrong and offered us something?

Just also to add to Di and Amersall's good advice, also emphasise that you had to take the PPI to get the loan, which is misselliing. I assume you were not told that it was optional or that you were free to seek cheaper alternative PPI.

Good luck!!

bugsy161

Hiya Di and Amersall,
October 2007.........complain to Lloyds about mis sold cc PPI.....Lloyds say no
December 2007.......ask Lloyds to re consider..........no joy
January 2008 complain to FOS
February 2010 adjudicator finds in my favour.........Lloyds ignore

Just passed the 2 and a half year mark with the FOS over the weekend and still no light at the end of the tunnel.
Contacted them again this morning and still no idea as to when an Ombudsman can look at the case, even though it is now prioritised due the time it has been with them and my financial hardship.
Di, did you have one of your cases prioritised due to financial hardship, and if so, how quick was yours dealt with after that?
Dont know what else do do now apart from stick my head in the oven................................only joking, they at least cant take my sense of humour away from me.
Seriously though I dont know what else I can do to speed things up.
I work opposite a Lloyds TSB branch which winds me up even more every day and it frustrates to hear about so many people on here who are winning cases that have only been going on for a matter of weeks or months.