PPI Reclaiming successes and failures

di3004

Well done Emma, Great work!

Congratulations!!! :T:beer::j

SusanED_2

lickoloctupus wrote: »

SusanED wrote: »

Thats what happened to me too with M and S and after several weeks they refused so I went to the FOS but as they were not regulated I got sent to Allianz. Allianz are now refusing to have anything to do with it and are referring me back to M and S. so do I go to the FOS and try to get Allianz to pay up or not

My letter from M&S actually told me I had the option to go to the FOS if I was unhappy and provided the FOS leaflet, so did Santander in respect of the claim against 2 store cards, which is contradictory to another letter from them. But I have submitted claims against Santander to the FOS sending them copies of the letters. M&S cant seem to make their minds up!!!! What is clear is they dont want to part with OUR money. The one letter I received within 2 days of my claim letter against the card was to tell me they had omitted to charge me interest on the balance when the card transferred to &More from the charge card - but, they are prepared to forgo the 2 years and it will be charged from now. Thanks!!!

far2812

Hi All - I have spent the last 24 hours reading all these threads. Can someone just please help me?

In 2005 - I took out credit cards with Barclaycard, Egg, Halifax, Capital One and I also had a mortgage with Halifax and then changed to Mortgage with West Bromwich - I had insurance with both my mortgages.

I don't know whether I was mis-sold anything.

I don't have any records of any of the accounts now - they were all paid off - Egg put a charge on my property as I was made redundant and that was paid off when I sold my house.

My questions is - are you all telling me that I can fill out the FO template at the front of the forum and send it to them even though I don't know all my account numbers?

I know that I am asking you all to repeat it a little bit - but for new people looking at these threads - it might be a good little refresh!

I am REALLY grateful xx

Dirks_Engine_Room

Have you rung each lender to do a search on account numbers your credit cards/ mortgages? They'd be able to give you account numbers etc? Do you have bank statements to document when you paid etc?

Just thinking off the top of my head, but you'll get good advice on here from others as to your best move.

di3004

far2812 wrote: »

Hi All - I have spent the last 24 hours reading all these threads. Can someone just please help me?

In 2005 - I took out credit cards with Barclaycard, Egg, Halifax, Capital One and I also had a mortgage with Halifax and then changed to Mortgage with West Bromwich - I had insurance with both my mortgages.

I don't know whether I was mis-sold anything.

I don't have any records of any of the accounts now - they were all paid off - Egg put a charge on my property as I was made redundant and that was paid off when I sold my house.

My questions is - are you all telling me that I can fill out the FO template at the front of the forum and send it to them even though I don't know all my account numbers?

I know that I am asking you all to repeat it a little bit - but for new people looking at these threads - it might be a good little refresh!

I am REALLY grateful xx

Hi there as Dirks Engine Room says, you could try contacting them for the info you require, or what you could do is request a Subject Access Request (SAR) if you require detailed info on your account(s), they have 40 calendar days to comply and send all they still hold on your account, but you have to enclose £10 cheque or postal order payment, there is a SAR letter template on link here:
https://forums.moneysavingexpert.com/discussion/1475553
Try to give as much info/details as possible, in order for them to track down your accounts, full name, any change of surname, full address, date of birth and so on.

To track down your account numbers, if you were paying the payments out of your bank account every month, the account loan number should be shown next to the repayments.
If you are still with the same bank and you bank online, you can check your monthly statements online, some will go back as far as the last 7/8 years.

Another way may be of some help, is to request a credit report from one of the credit agencies, I believe they charge £2 and will supply you with any credit taken out in the last 6 years, so basically even if they were for example settled say 2 years ago, then they should still hold these details.
Google in the search engines for one of the credit agencies, Experian, Equifax etc, some are also free for 30 days.

Then when you have these details you can of course continue to make a reclaim on the ppi.;)

di3004

SusanED wrote: »

lickoloctupus wrote: »

My letter from M&S actually told me I had the option to go to the FOS if I was unhappy and provided the FOS leaflet, so did Santander in respect of the claim against 2 store cards, which is contradictory to another letter from them. But I have submitted claims against Santander to the FOS sending them copies of the letters. M&S cant seem to make their minds up!!!! What is clear is they dont want to part with OUR money. The one letter I received within 2 days of my claim letter against the card was to tell me they had omitted to charge me interest on the balance when the card transferred to &More from the charge card - but, they are prepared to forgo the 2 years and it will be charged from now. Thanks!!!

Hi Susan

I do hope this gets resolved soon, honestly they are a load of muppets!

So what do you actually think of that gesture they made?

stellaboy

been a long time since i last posted,sent a letter off to barclycard to reclaim ppi last september they sent me a questionaire to fill in got the old chestnut be in touch with our decision soon,i let it go for a bit and then phoned them back end of last year got told that backlog of claims getting to yours soon bla bla bla, kept phoning and getting fobbed off threatend them with fos got told dont do that we are dealing with your claim a decision will be made soon,has a letter back off them lend of june offering me £156 sent me a settlement form to sign,phoned them straight away and told them the correct sum with 8% should be nearer £950 and i have a copy of all the statments with ppi on them,they said send the additional info and we will look in to it,sent them all the photo copies of the statments and had a letter back last week offering me£1,005 what ever you do dont give up they will pay up in the end the money is yours and a big thanks to all the free help and advice that is given out on here

di3004

stellaboy wrote: »

been a long time since i last posted,sent a letter off to barclycard to reclaim ppi last september they sent me a questionaire to fill in got the old chestnut be in touch with our decision soon,i let it go for a bit and then phoned them back end of last year got told that backlog of claims getting to yours soon bla bla bla, kept phoning and getting fobbed off threatend them with fos got told dont do that we are dealing with your claim a decision will be made soon,has a letter back off them lend of june offering me £156 sent me a settlement form to sign,phoned them straight away and told them the correct sum with 8% should be nearer £950 and i have a copy of all the statments with ppi on them,they said send the additional info and we will look in to it,sent them all the photo copies of the statments and had a letter back last week offering me£1,005 what ever you do dont give up they will pay up in the end the money is yours and a big thanks to all the free help and advice that is given out on here

Great work Stellaboy:T:T Well done to you and Congratulations!:beer:

amersall

stellaboy wrote: »

been a long time since i last posted,sent a letter off to barclycard to reclaim ppi last september they sent me a questionaire to fill in got the old chestnut be in touch with our decision soon,i let it go for a bit and then phoned them back end of last year got told that backlog of claims getting to yours soon bla bla bla, kept phoning and getting fobbed off threatend them with fos got told dont do that we are dealing with your claim a decision will be made soon,has a letter back off them lend of june offering me £156 sent me a settlement form to sign,phoned them straight away and told them the correct sum with 8% should be nearer £950 and i have a copy of all the statments with ppi on them,they said send the additional info and we will look in to it,sent them all the photo copies of the statments and had a letter back last week offering me£1,005 what ever you do dont give up they will pay up in the end the money is yours and a big thanks to all the free help and advice that is given out on here

Well done for sticking with this :T:T and congrats on your win :cool::cool:

lickoloctupus

lickoloctupus wrote: »

Ok I have had the news that HSBC have denied my claim for PPI on the following grounds.
First some back ground info
I took a 13,000 loan out in 2005 and had the PPI applied immediately and was told I must take this out as the loan was unsecured and it would help my loan approval. The PPI was approx 2.5k over the course of 5 years. The loan was used to pay off credit cards and other debts and was used immediately by the person in the bank to offset these debts.
In 2007 I consolidated this loan with an another in essence paying the first one off in full and then starting a new policy again with PPI which was actioned over the telephone. HSBC then sent me the paperwork through the post which I duly signed and returned.
I have tried unsuccessfully to claim both PPI insurance policies as HSBC are stating I signed for the PPI Insurance.

My issue is that I was not offered any loan without PPI, there was no cooling off period as the loan was to pay existing debts and they were paid immediately at the branch. As the loan was unsecured I was not given the opportunity to not have the PPI and all the paperwork was filled in by someone else and I was just asked to sign.

I have now forwarded everything to the FOS but am unsure if I will get anywhere....

Good News I think...I originally posted the above in June as HSBC had finalised their decision and told me no to my claim. This morning I have had a telephone call from an Adjudicator at the FOS asking for some more information and she told me at the end of the call she was upholding my claim..I think this means that HSBC now will have 21 days to go with the adjudicators decision and repay the money or say no and go to the ombudsman which if they lose will be legally binding. I feel confident that if an adjudicator at the FOS says yes to my claim then that the Ombudsman may uphold the claim too. Either way I am more ahead now than when HSBC categorically said no to me....On one other point the adjudicator was impressed with how I had presented my claim which is all down to the guys on the forum and the advice given...Thankyou very much especially di3004 and Amersall