PPI Reclaiming successes and failures

di3004

transfusion wrote: »

i have just done that, wish me luck and thank you very much for the advice.

Well done and the best of luck, your most welcome.;)

amersall

Best of luck from me too :D

aurum

Good Luck !!!

mcgwin

I wrote to MBNA about a year ago giving details as to how I believed I had been miss-sold PPI. I have just received a refund for £7500! :beer:
The first response from them was to send me a form asking for a lot of information I did not have - it had been 8 to 10 years when I first opened a credit card a/c with them. I replied repeating all that I knew but did not fill the form in (it looked unreasonably complicated and designed to be off putting).
They offered me an amount which I felt was not good enough. However I did not reject nor accept the offer. I replied asking them to breakdown their figures and explain how the final figures were arrived at. They sent me a revised offer, to which I replied in the same vein.
A short while ago they informed me that due to a legal judgement they were holding my claim in abeyance until the case had been heard.
Finally, after the publicised court case, they came back to me with the above offer as set out by the ombudsman.
I have used the cheque to clear and close the MBNA account, and for the first time in 15 years owe nobody nothing:j!! (Apart from the mortgage).

di3004

mcgwin wrote: »

I wrote to MBNA about a year ago giving details as to how I believed I had been miss-sold PPI. I have just received a refund for £7500! :beer:
The first response from them was to send me a form asking for a lot of information I did not have - it had been 8 to 10 years when I first opened a credit card a/c with them. I replied repeating all that I knew but did not fill the form in (it looked unreasonably complicated and designed to be off putting).
They offered me an amount which I felt was not good enough. However I did not reject nor accept the offer. I replied asking them to breakdown their figures and explain how the final figures were arrived at. They sent me a revised offer, to which I replied in the same vein.
A short while ago they informed me that due to a legal judgement they were holding my claim in abeyance until the case had been heard.
Finally, after the publicised court case, they came back to me with the above offer as set out by the ombudsman.
I have used the cheque to clear and close the MBNA account, and for the first time in 15 years owe nobody nothing:j!! (Apart from the mortgage).

WOW, well done to you!:T:j Congratulations!:beer:

h0pusp0pus

mcgwin wrote: »

I wrote to MBNA about a year ago giving details as to how I believed I had been miss-sold PPI. I have just received a refund for £7500! :beer:
The first response from them was to send me a form asking for a lot of information I did not have - it had been 8 to 10 years when I first opened a credit card a/c with them. I replied repeating all that I knew but did not fill the form in (it looked unreasonably complicated and designed to be off putting).
They offered me an amount which I felt was not good enough. However I did not reject nor accept the offer. I replied asking them to breakdown their figures and explain how the final figures were arrived at. They sent me a revised offer, to which I replied in the same vein.
A short while ago they informed me that due to a legal judgement they were holding my claim in abeyance until the case had been heard.
Finally, after the publicised court case, they came back to me with the above offer as set out by the ombudsman.
I have used the cheque to clear and close the MBNA account, and for the first time in 15 years owe nobody nothing:j!! (Apart from the mortgage).

firstly congrats on your refund and not letting them get away with it

i have had a letter from santander stating much the same thing asking me for information and paper work such a national insurance contributions from 1996 and proof that i was claiming benfit (i was a full time student not on jsa) and if i had a partner or not back in 1996!!!! how ridiculus how can i prove that i was single lol,

would you suggest i do as you have done and write them a letter covering the same information that i gave them the first time and explaining to them that i was in full time education not receiving job seeker allowance and was single at the time of taking out the store card?? im wondering weather i should ring them tomorrow and explain all this down the phone to them ??

tifosi

Just a note that I've been dealing with Santander over the last couple of days and actually found them extremely helpful!

h0pusp0pus

just rang santander basicly they told me that i would need to get evidence that i wasnt paying national insurance on the 12th of september 1996 i asked if they knew how long it would take to get this information and she told me that she beleives it takes a VERY LONG TIME!!! so i said so what happens after the four weeks ive got to get back to you with this she said if i cant get the information by the dead line the complaint will be closed but she said i can re open the complaint and they would treat this as a new one,so what does this mean id have to fill out the questionair all over again!!! and then it will be another 8 weeks b4 they get back to me!!! grrrr

h0pusp0pus

just rang hm revenue and customs they were very helpful and she could see that i wasnt paying national insurance back in 96 but she said i have to request a sar to get the information in writing i asked her how long this might take she said it takes up to 3 weeks to filter through their mail system (3 WEEKS!!!) and then she couldnt say how long it would take once it got to the right person,so i doubt im going to make the 4 week dead line requested by santander!! do you think it would be worth me writing to santander teeling them all the information about me resquesting a sar and asking them to extend the dead line of closing the complaint? i really dont want to have to fill out all the forms again and wait another 8 weeks

farcove54

h0pusp0pus wrote: »

just rang hm revenue and customs they were very helpful and she could see that i wasnt paying national insurance back in 96 but she said i have to request a sar to get the information in writing i asked her how long this might take she said it takes up to 3 weeks to filter through their mail system (3 WEEKS!!!) and then she couldnt say how long it would take once it got to the right person,so i doubt im going to make the 4 week dead line requested by santander!! do you think it would be worth me writing to santander teeling them all the information about me resquesting a sar and asking them to extend the dead line of closing the complaint? i really dont want to have to fill out all the forms again and wait another 8 weeks

As you know, I wrote back to them last week when I found myself in the same situation.
I think what they are requesting is ridiculous as it will take HMRC 3 weeks to even look at our requests. I have told Santander that I intend making a complaint to the FOS.
Most of the posts on here semm to say positive things about Santander but I'm sure we are not alone.
Hopefully I will here from them this week and I will let you know.
Kayx