PPI Reclaiming successes and failures

di3004

Lammytrev wrote: »

What were you reclaiming: Store card
Who was the provider: Debenhams (Santander)
How much did you get back: £577
Did you get it back after a letter or did you go to the Financial Ombudsman: £577.89
And then write your brief reclaim tale
So after just 2 letters I have success. First send the standard letter, which Santander didn't seem to quite understand. They sent me a copy of my application form back only. I sent another letter stating that I accepted I had signed the application, however this wasn't the point, Debenhams, as their representative should have advised me on the suitability of the product they were selling me. Today, 4th October a letter arrives in the post refunding £379.12 in payments, £155.76 in interest & £43.01 loss of cash payment.
Thanks to all on the MSE site for your help & advice, this is the first of 4 claims I have & has been refunded in a total of 9 weeks. The others are Capital one credit card, Direct line loan & more importantly 17 years of PPI with MBNA which is now logged with the FOS.
Role on more cheques:j

Fantastic :T:j well done and Congratulations:beer:
And the best of luck on the others too.;)

mrs-stressed

Good morning di3004, amersall and the rest of you good guys out there. I though I would report in to tell you how I was getting on with the PPI SAGA!! I have had no word from anyone following the CEO of Lloyds PRs letter to me telling me that someone would be in touch soon to speak to me about my claim. That was a week ago. I have since had a letter from Lloyds (standard run-off letter) saying that my claim was now with FOS (where it has been for three years - well - inbetween Lloyds and them)and it had someone elses account details on it - FGS. (For Goodness Sake). What on earth is going on. Incompetance to the enth I would say. So, that leaves me with the next-person-to-contact question! I think I shall go back to CEO. I mean, I cant go any higher than him can I and SURELY if I cant get a result out of him then I am well and truly hung out to dry!!!! Second time lucky.........

Mrs s x

di3004

mrs-stressed wrote: »

Good morning di3004, amersall and the rest of you good guys out there. I though I would report in to tell you how I was getting on with the PPI SAGA!! I have had no word from anyone following the CEO of Lloyds PRs letter to me telling me that someone would be in touch soon to speak to me about my claim. That was a week ago. I have since had a letter from Lloyds (standard run-off letter) saying that my claim was now with FOS (where it has been for three years - well - inbetween Lloyds and them)and it had someone elses account details on it - FGS. (For Goodness Sake). What on earth is going on. Incompetance to the enth I would say. So, that leaves me with the next-person-to-contact question! I think I shall go back to CEO. I mean, I cant go any higher than him can I and SURELY if I cant get a result out of him then I am well and truly hung out to dry!!!! Second time lucky.........

Mrs s x

Hiya Mrs S

OMG sorry to hear that.
What on earth are they playing at?

Yes keep on at them, its absolutely pathetic, I really don't think any of them know what their doing.
Wonder if it would help contacting the main one of the FOS too, who is : Natalie Ceeney, chief executive and chief ombudsman.

Something should be done about this.

If you do this, I would do so in writing to their usual address in Marsh Wall and address it to the above.

I believe it was Bugsy on here who finally went this direction due to all the messing about after a few years - which helped push the boat out a little further, again LLoyds.

Will keep a check on your posts honey.

Di
XXXXX

amersall

mrs-stressed wrote: »

Good morning di3004, amersall and the rest of you good guys out there. I though I would report in to tell you how I was getting on with the PPI SAGA!! I have had no word from anyone following the CEO of Lloyds PRs letter to me telling me that someone would be in touch soon to speak to me about my claim. That was a week ago. I have since had a letter from Lloyds (standard run-off letter) saying that my claim was now with FOS (where it has been for three years - well - inbetween Lloyds and them)and it had someone elses account details on it - FGS. (For Goodness Sake). What on earth is going on. Incompetance to the enth I would say. So, that leaves me with the next-person-to-contact question! I think I shall go back to CEO. I mean, I cant go any higher than him can I and SURELY if I cant get a result out of him then I am well and truly hung out to dry!!!! Second time lucky.........

Mrs s x

This is bloody disgusting.Send another email to ceo, tell him what you have put here and that you are no further forward with this and they should get their act together, as for the different account number, this is not on and you must stress this,you could say you are thinking of going to court if this goes on any longer and you are sure the person whose account number you have been given would be very interested to know this too, also i would check they have all your correct info.Please get on to this today, this is disgusting.Fingers crossed for you and hope this is sorted sooner rather than later x

amersall

tcannabellarose wrote: »

Just thought some people may be encouraged to persevere after reading this little success story.

I had a £5000 loan from A&L in 03, without my knowledge ppi was added. I had just been diagnosed with diabetes and I specifically remember saying to the chap on the phone that I wanted to be sure that if I was off work for a period, I wanted the loan payments covered.
I then topped up my loan in 05, again with the ppi added automatically.
I had another top up (for the last time) in 08, however this time, ppi was not added. I had removed it before completion of the 3rd loan.

I had tried to claim back the ppi about a year ago, however the bank just refused saying that they had recorded telephone converstations about the application saying I had accepted the ppi and I understood pre-medical conditions were not covered.
Of course that put me off taking it further, much too their delight I am guessing as that was their intention.

In Sept of this year, I rang a&l to state that I know I was missold the ppi policy and went through the conversations I had for the initial loan application. I told them I had all the paperwork from the 3 loans and ppi was added for the first two loans.

About 10 days later, I had a letter offering me the ppi for loan 1 -£1127.45!!

I called up to complain about the ppi for loan 2 on monday of this week, and had a telephone call yesterday offering all ppi repayments back to me totalling £1800 and pence....

NEARLY £3000!!!

I cannot complain about the speed of the resolution by a&l, they were very efficient at dealing with my concerns.
The moral of this story.... DON'T GIVE IN!!!!!

:money:Well done and congrats :beer::beer: enjoy :T

amersall

RichPyke wrote: »

FINALLY, after 16 months I have received my cheque from RBS for £6,826.76 (£16,000 loan, 84 months, claim at month 61). First they denied my claim so took it to FOS who took their time but went in my favour.

Had to complain to the CEO of RBS to speed it up (needed it really quick) and it actually worked to my surprise.

Not 100% sure the figure is high enough, I calculated it higher but at this stage I wont complain over a few quid.

:T:T That is brill :beer: Well done:money:

amersall

jimmyay wrote: »

Just to let everyone know, i wrote to LLOYDS TSB re a Goldfish loan which i paid off in 2008, took it out in 2004 .

Had 2 point blank refusals to engage and they referred me to the FOS.

Wrote back a third time, by email to the Chief Exec Eric Daniels, stating my disgust at Lloyds behaviour.

Offer of a £2,000+ settlement came this morning - just a couple of days after writing to the Chief Exec.

Don't give up.

:money: Another one bites the dust :beer: Well done x

amersall

Kpnuts wrote: »

I filled the forms in that are available on this website, not knowing details of loan numbers or dates of loan,so not expecting a postive result, but A&L phoned within 2 days of receiving the forms and offered to repay just under £1000 made up of premiums paid, shortfall of rebate as loan paid off early and interest on both of these.
Thanks Moneysaving for the info and necessary forms

:jWell done to you :beer: Just shows some win with just minimum of loan details :money::money::money:

eight-ball

Just to say a big thanks to those who contribute on the PPI forum. We started a claim Nov 2008 when I faced redundancy and found our joint loan was not covered because my girlfriend was the named applicant on the original loan.... Followed the letter templates and stuck with the claim, even rejecting RBS's offer of £750 and seeking FOS advice. Our patience paid off and last week we recieved all money paid (£4500 over 3 years) plus £700 interest.

My advice: say no the the companies initial offer, be persistant, and use the FOS (Financial Ombudsman Service). Also ignore whatever the branch staff say to you - natwest told us not to cancel the PPI as it may damage our chance to claim!

Good luck!

di3004

eight-ball wrote: »

Just to say a big thanks to those who contribute on the PPI forum. We started a claim Nov 2008 when I faced redundancy and found our joint loan was not covered because my girlfriend was the named applicant on the original loan.... Followed the letter templates and stuck with the claim, even rejecting RBS's offer of £750 and seeking FOS advice. Our patience paid off and last week we recieved all money paid (£4500 over 3 years) plus £700 interest.

My advice: say no the the companies initial offer, be persistant, and use the FOS (Financial Ombudsman Service). Also ignore whatever the branch staff say to you - natwest told us not to cancel the PPI as it may damage our chance to claim!

Good luck!

Hi and welcome

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