PPI Reclaiming successes and failures

MRSDAVID1

Whilst sorting through my finances, I was looking at my Virgin Credit Card bills and noticed on older ones- a charge listed as Payment Protection insurance and on my newer bills- listed as Lifestyle protect. I have held my credit card since August 2004 and was never sold any of these products- I took Martin's advice and sent the FOS questionaire to MBNA claiming my money back and that it had never been sold to me but I had been paying it for 6yrs!!

I have just recieved a letter which states I am owed £700 plus a goodwill gesture of £108.26 which pays off the outstanding amount on my credit card!!!! I am over the moon, this is well worth doing so getting writing people!!

Thanks Martin- I am overwhelmed to recieve this amount of money!

di3004

MRSDAVID1 wrote: »

Whilst sorting through my finances, I was looking at my Virgin Credit Card bills and noticed on older ones- a charge listed as Payment Protection insurance and on my newer bills- listed as Lifestyle protect. I have held my credit card since August 2004 and was never sold any of these products- I took Martin's advice and sent the FOS questionaire to MBNA claiming my money back and that it had never been sold to me but I had been paying it for 6yrs!!

I have just recieved a letter which states I am owed £700 plus a goodwill gesture of £108.26 which pays off the outstanding amount on my credit card!!!! I am over the moon, this is well worth doing so getting writing people!!

Thanks Martin- I am overwhelmed to recieve this amount of money!

Hi and welcome

That is fab, well done and Congratulations!:T:beer::j

Tamrin

di3004 wrote: »

Hiya

I would chase them up on the month.

Some have waited a month to about 45 days, but this may vary, or give them a ring now just to ease your mind, they should be able to confirm when you will be receiving your refund, good luck.;)

halphy wrote: »

mine took about 3 weeks, give them a call, they take ages xx

susyjf wrote: »

Mine took just under three weeks from when I posted off acceptance letter. Mine was transferred directly into my account as I have my accounts with Alliance and Leicester. I telephoned them just once and they said that it is normally 2 weeks after they actually receive the acceptance letter. Mine came through on Wednesday so hopefully yours should not be too long.

Thanks everyone for your replies:) I will call them on Monday Thanks again

di3004

Tamrin wrote: »

Thanks everyone for your replies:) I will call them on Monday Thanks again

Your very welcome Tamrin, good luck.;)

hannah29_2

thanks all for the advice on here its been brilliant. after reading loads i put in a claim from halifax 2 weeks ago on a loan of 6000 that ended 2 years ago. i have just recieved 2040 in my account this morning. just waiting for ikea to respond now so fingers crossed for that
thanks again
hannah

hannah29_2

next question.....i had a credit card with egg which i took out when i was a single parent so chances are i had ppi on that too although i am unsure. when egg had the big shakeup a year or two ago they closed my account and cancelled the card. can i still write to them and ask for a copy of my original agreement to check whether it had ppi on it and if so then claim it back?
thanks in advance
hannah

di3004

hannah29 wrote: »

thanks all for the advice on here its been brilliant. after reading loads i put in a claim from halifax 2 weeks ago on a loan of 6000 that ended 2 years ago. i have just recieved 2040 in my account this morning. just waiting for ikea to respond now so fingers crossed for that
thanks again
hannah

Well done and Congratulations Hannah :beer:

di3004

hannah29 wrote: »

next question.....i had a credit card with egg which i took out when i was a single parent so chances are i had ppi on that too although i am unsure. when egg had the big shakeup a year or two ago they closed my account and cancelled the card. can i still write to them and ask for a copy of my original agreement to check whether it had ppi on it and if so then claim it back?
thanks in advance
hannah

Hi Hannah

Its worth giving it a try for a quid.

Just write to request for a copy of your agreement and write the account number, also enclose the £1 cheque or postal order, and ask if they could send by 12-14 days.;)

If you still have the account number though, still give it a try, they may then send the agreement back to you free with a letter, there is no harm in doing that, even if its found that there was no ppi, but like you said, you've a feeling you were also paying for this, give it a go, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

shamrock7

Hi All,
Put a PPI claim into BOS a couple of weeks ago and got a phonecall last Tuesday from a lovely lady telling me she has decided the claim in my favour and the redress team will calculate and send me a cheque! So excited. PPI was approx £400 with Ins of £161. Hopefully the 8% will be on top of that. One letter after tracking down the agreement, which for me was the difficult part! Thanks to all on here again for invaluable advice

di3004

shamrock7 wrote: »

Hi All,
Put a PPI claim into BOS a couple of weeks ago and got a phonecall last Tuesday from a lovely lady telling me she has decided the claim in my favour and the redress team will calculate and send me a cheque! So excited. PPI was approx £400 with Ins of £161. Hopefully the 8% will be on top of that. One letter after tracking down the agreement, which for me was the difficult part! Thanks to all on here again for invaluable advice

Shamrock7 that is fab news, well done and Congratulations!:beer: