PPI Reclaiming successes and failures

di3004

klflosser wrote: »

Offer from Capital One today - £1049.47 full PPI refund plus interest. Just gets better.
Letter from M&S Money saying on hold awaiting outcome of judicial review. Says that FSA rules on complaints handling go beyond rules and regulatory requirements that were in place when loan PPI was sold. Loan was for 5 years started in 1999. Loan was for £7802.46 and total paid was £12008.54 !!

WOW, Congratulations!:T:beer::j

amersall

dynoman wrote: »

Good morning all,

After 10 weeks from putting my claim in against Northern Rock, i have had an offer this morning of just under £1500 on a loan that i only made 11 payments on before clearing the loan early.
Big thank you to Money saving expert and all for their guidance.
Only 5 more to go..................

:j:j Ab fab :money::money::money:

amersall

klflosser wrote: »

Offer from Capital One today - £1049.47 full PPI refund plus interest. Just gets better.
Letter from M&S Money saying on hold awaiting outcome of judicial review. Says that FSA rules on complaints handling go beyond rules and regulatory requirements that were in place when loan PPI was sold. Loan was for 5 years started in 1999. Loan was for £7802.46 and total paid was £12008.54 !!

:j:j Well done :beer:

Footiemad_2

dynoman wrote: »

Good morning all,

After 10 weeks from putting my claim in against Northern Rock, i have had an offer this morning of just under £1500 on a loan that i only made 11 payments on before clearing the loan early.
Big thank you to Money saving expert and all for their guidance.
Only 5 more to go..................

Well done you.:T:T keep attacking with the rest.:D

Footiemad_2

klflosser wrote: »

Offer from Capital One today - £1049.47 full PPI refund plus interest. Just gets better.
Letter from M&S Money saying on hold awaiting outcome of judicial review. Says that FSA rules on complaints handling go beyond rules and regulatory requirements that were in place when loan PPI was sold. Loan was for 5 years started in 1999. Loan was for £7802.46 and total paid was £12008.54 !!

Congratulations with getting a result with Capital One.:T:T Fingers crossed wth M&S.

jenster2009

Hello

I have received a refund offer from Nationwide. After about 5 letters, a recording of the phone call agreeing PPI, I found a few points to prove it was missold.

Super news I have been offered a full refund.... but the wording is a bit werid.... I have to sign an acceptance of offer...

" I am wrtiting to you confirm my acceptance of your offer to refund the PPI premuiums applied to my account. In addition, I understand interest will be calculated on each of these preiums based on the monthly interest rate applied to my credit card over the period. This interest figure will be calcutated upon receipt of my signedd acceptance, and paid for a max period of 28 days from the date of this letter and is in addition to the refund of the PPI premiums."

also in the letter to my they state that the calulations have been conducted in line with FOS guildines.

this is there 2nd offer, the first was 1 year of refunds.

What do you think??

Thanks for your help, Jeni

Sorry for spelling, keyboard and brain, are very worn out!!!!

too08

i had a loan with capital one..the apr was 17.9%.i paid it off in 2004 as i was expecting a baby and didnt want this hanging over me....i dont have any of the paper wok now but could i stil reclaim?...i dont even no if i had PPI..it was a credit card all done through the post from a leaflet...i had signed no contract...i filled out the small application form from the leaflet and sent it back...within 2 weeks i was given my card and had £250 to spend.........

di3004

too08 wrote: »

i had a loan with capital one..the apr was 17.9%.i paid it off in 2004 as i was expecting a baby and didnt want this hanging over me....i dont have any of the paper wok now but could i stil reclaim?...i dont even no if i had PPI..it was a credit card all done through the post from a leaflet...i had signed no contract...i filled out the small application form from the leaflet and sent it back...within 2 weeks i was given my card and had £250 to spend.........

You can still try if you want to, its possible they may have just added it anyway, they will soon confirm in writing if there was no ppi included.;)

too08

thanks surley i would need my old account details though as they could just say they have no record of my account with them?....im going back now 2002-3...i finished paying for it in 2004.......xx

di3004

too08 wrote: »

thanks surley i would need my old account details though as they could just say they have no record of my account with them?....im going back now 2002-3...i finished paying for it in 2004.......xx

If you could try tracking down the account number details then that would be a help, maybe on old statements, or you could try contacting their data dept just to ask if they still hold any details of your account first if you want. X