PPI Reclaiming successes and failures

Anna*_2-2

k77mss wrote: »

hi hope this does mean you'll get your win and a refund just wondered if you could give me his email as mines is on hold and could try this too thanx:)

I'm not counting my chickens until I see a cheque.

The CEO of MBNA is Ian O'Doherty and his email address is:
ian.odoherty@bankofamerica.com

Good Luck!

bazwilliams

I won my case against Tesco Personal Finance using the template letters.

This was for a £25,000 loan taken over 7 years. After 5 I started a claim against the PPI cover Tesco forced me to put in place for the duration of the loan. I did not want it in the first place and had adequate private insurance which would cover my income.

They initially made a token goodwill gesture of £750, but my sums put the amount I'd paid significantly higher, so I rejected this and took my case to the Financial Ombudsman and won. I got a pay out of just over £4200. It took over 18 months in total, but was worth it - especially for the cost of a few first class stamps.

I've detailed what happened on a blog post which I can't post - google for 'tesco ppi win bjw'.

rollover

Morning all , posted back end of December that RBS had agreed to settle . They have finally came across with the greenbacks £6k +.

Just one more still outstanding also with RBS .Fingers crossed .

Many thanks again.

amersall

bazwilliams wrote: »

I won my case against Tesco Personal Finance using the template letters.

This was for a £25,000 loan taken over 7 years. After 5 I started a claim against the PPI cover Tesco forced me to put in place for the duration of the loan. I did not want it in the first place and had adequate private insurance which would cover my income.

They initially made a token goodwill gesture of £750, but my sums put the amount I'd paid significantly higher, so I rejected this and took my case to the Financial Ombudsman and won. I got a pay out of just over £4200. It took over 18 months in total, but was worth it - especially for the cost of a few first class stamps.

I've detailed what happened on a blog post which I can't post - google for 'tesco ppi win bjw'.

:T:T:T Ab fab :beer::money:

amersall

rollover wrote: »

Morning all , posted back end of December that RBS had agreed to settle . They have finally came across with the greenbacks £6k +.

Just one more still outstanding also with RBS .Fingers crossed .

Many thanks again.

:j:j Well done :beer::T Fingers crossed for the other one.

di3004

bazwilliams wrote: »

I won my case against Tesco Personal Finance using the template letters.

This was for a £25,000 loan taken over 7 years. After 5 I started a claim against the PPI cover Tesco forced me to put in place for the duration of the loan. I did not want it in the first place and had adequate private insurance which would cover my income.

They initially made a token goodwill gesture of £750, but my sums put the amount I'd paid significantly higher, so I rejected this and took my case to the Financial Ombudsman and won. I got a pay out of just over £4200. It took over 18 months in total, but was worth it - especially for the cost of a few first class stamps.

I've detailed what happened on a blog post which I can't post - google for 'tesco ppi win bjw'.

Well done to you!:beer:

di3004

rollover wrote: »

Morning all , posted back end of December that RBS had agreed to settle . They have finally came across with the greenbacks £6k +.

Just one more still outstanding also with RBS .Fingers crossed .

Many thanks again.

Well done!:beer:
Gooe luck on the other case too.;)

Footiemad_2

Sazzy1972 wrote: »

Thank you Martin I owe you one :beer:

I have successfully reclaimed back over £9k in PPI payments (including interest) from my LTSB CC and I have done this all on my own & without the help of the Financial Ombudsman, so my message to everyone out there wondering whether to pursue this procedure or not is GO FOR IT! The banks & CC companies know they did wrong by selling these insurances to us, so why not get back all you have paid to them, after all it is your hard earned money that they have taken from you without a care

My complaint was based on the fact that I never remembered asking for PPI on my CC (which I did not) and as I had read in the National press & here on Martins website about the miss-selling of PPI I believe that the PPI on my CC was miss-sold to me or even worse added without my permission?
I asked them to show me evidence of me agreeing to this PPI, but the evidence never materialised, so that speaks volumes to me as I am sure it does to you
I still have no idea how it ended up on my CC account as LTSB have never told me?

I posted various letters to LTSB from August 2010 till recent times chasing them on how my complaint was going.
I would advise anyone to keep on at their bank or CC company (letter or phone calls) if you don't seem to be getting any correspondence from them, because this will prevent you being kept at the bottom of their very large pile of complaints & being kept in the dark

It took me 6 months to get a result letter from LTSB insurances informing me of the monies being refunded back to me, but as the saying goes' ALL GOOD THINGS COME TO THOSE WHO WAIT' however I advise any of you not to wait too long otherwise you will end up with no refund

Thankfully my persistents has paid off, because after 5 months from when I first sent my letter back in August I received an Ex-gratia offer letter and on the 6th month then received the calculations letter informing me of the amount being refunded

Martins 'first approach' template letter is what I used to start the ball rolling, so thank you Martin and from then on all the letters I sent to LTSB where in my own words and from the heart, but without offence.

It has taken 6 months to get a final outcome, because LTSB are drowning in a sea of complaints (to their own admittance) and trying to pull themselves a float as quickly as they can, so please bear the timescales in mind if you are going to pursue your PPI as it will not be a quick process, however do keep on at them as it is the only way to resolve your matter & hopefully get you all of your money back with added interest

GOOD LUCK!!! :A

Brilliant post Sazzy1972 and well done on winning your claims. Truly shows that persistance gets results. Fantastic.:j:T:T:T:T

Footiemad_2

elliepete wrote: »

Just a quick update on our claim. When I last posted a few weeks ago the FOS had found in our favour against Freedom Finance ie;Wilmslow Financial Services and we were waiting on our settlement offer. We have received this at long last and they have offered us just under £24,000 which we have accepted and we should have a cheque within the next week. It's been a long slog of almost two years from beginning to end but all the fantastic advice and pointers which we have received on this site has been wonderful. So to anyone who is feeling despondant or not sure whether to purue a claim - don't give up!!:j- it'll be worth it.

Wow!! Thats fantastic. Brilliant result after such along time.:j:j:T:T:T:T

Footiemad_2

lovelybirchtrees wrote: »

Just popping back to say that in January 2011 the debt company that LloydsTSB had sold my debt to contacted me and asked for most of what I had from the ombudsman to pay them off. I refused saying I couldn't do it on the phone but then they offered to drop the amount by about £2000 to get it all paid off so I said OK and I am now debt free. I plan to stay that way. Good luck to everyone reclaiming. It is worth the effort and the wait.

Congrautlations and well done for sticking to your guns. Enjoy being debtfree. :beer::beer::T:T