PPI Reclaiming successes and failures

h0pusp0pus

some good news this morning from mbna regards my abbey credit card they have upheld in my favour and agree i was miss sold the ppi insurance policy and they are refunding my money

break down as follows

total amount of ppi charged since sale of card £292.82

total amount of interest associated with ppi premiums £852.82

8% amount £0.00

total = £1145.64

no 8% interest would it be worth taking this to the ombudsman or would it be such a small amount that it just wouldnt be worth it and if going to the ombudsman and they have agreed that it was miss sold would they award the 8%

they are putting it towards my balance owed which is a good thing because it will send my monthly crippling payments down and i wont waste it on buying something lol

a huge thank you to di and amersall and everyone else who has helped and offered help to me your all a fantastic bunch

i originaly put my complaint in around the 18th of may 2011

just gotta hope for a good result from the other 4 now

and to everyone else it can be done so sit tight and get back whats yours!!!

di3004

h0pusp0pus wrote: »

some good news this morning from mbna regards my abbey credit card they have upheld in my favour and agree i was miss sold the ppi insurance policy and they are refunding my money

break down as follows

total amount of ppi charged since sale of card £292.82

total amount of interest associated with ppi premiums £852.82

8% amount £0.00

total = £1145.64

no 8% interest would it be worth taking this to the ombudsman or would it be such a small amount that it just wouldnt be worth it and if going to the ombudsman and they have agreed that it was miss sold would they award the 8%

they are putting it towards my balance owed which is a good thing because it will send my monthly crippling payments down and i wont waste it on buying something lol

a huge thank you to di and amersall and everyone else who has helped and offered help to me your all a fantastic bunch

i originaly put my complaint in around the 18th of may 2011

just gotta hope for a good result from the other 4 now

and to everyone else it can be done so sit tight and get back whats yours!!!

Well done and Congratulations!:beer:

Have you tried asking them about the 8%, just in case it was forgotten about, maybe worth you asking to be sure.
I realise the interest adds up over time.
If an offer they may not offer this but if they settled in your favour in full settlement, then from what I am aware of they should include the 8%.

Ask just in case, and good luck on the others too.;)

Your very welcome.:A

leoniedelt

no joy with cap1 this morning, and they say the buck stops with them, that i can go to the ombudsman if i dont like it.

have filed with the ombudsman this morning and asked them how long, they say they wont even get to look at it til christmas - how much info do i need to give them? i can send in copies of stuff if it will help?

di3004

leoniedelt wrote: »

no joy with cap1 this morning, and they say the buck stops with them, that i can go to the ombudsman if i dont like it.

have filed with the ombudsman this morning and asked them how long, they say they wont even get to look at it til christmas - how much info do i need to give them? i can send in copies of stuff if it will help?

Hi there

So sorry to hear this and with the FOS also being over-run with complaints as well it will possibly take some time.
However, since the announcement of Barclays today, this should take a work load from the FOS as well, even though they will still be left with a huge amount, but hopefully you will hear something sooner rather than later, fingers crossed.

Oh, also just to mention, if your in any personal/hardship, it may be worth mentioning this to the FOS, and request for fast tracking, they will consider this with your reasons if this is the case.

Finger crossed.;)

gdecruz

:T
Egg reclaim for incorrect PPI selling against loan

Full amount paid + interest - letter received 10 days after claim sent!:rotfl:

£10,000

As I also had an egg credit card. I am now going to try that too

di3004

gdecruz wrote: »

:T
Egg reclaim for incorrect PPI selling against loan

Full amount paid + interest - letter received 10 days after claim sent!:rotfl:

£10,000

As I also had an egg credit card. I am now going to try that too

Brilliant!:T Congratulations!:beer: and good luck on the other.;)

trigspur

Hi Di,

Any idea if the Barclays announcement today, applies to First Plus Customers as well. Fingers crossed, as my claim has been on hold since November and asked for an update via letter three weeks ago, which they have failed to agknowledge or reply to.
Regards,
Trigspur

marko-007

h0pusp0pus wrote: »

some good news this morning from mbna regards my abbey credit card they have upheld in my favour and agree i was miss sold the ppi insurance policy and they are refunding my money

break down as follows

total amount of ppi charged since sale of card £292.82

total amount of interest associated with ppi premiums £852.82

8% amount £0.00

total = £1145.64

no 8% interest would it be worth taking this to the ombudsman or would it be such a small amount that it just wouldnt be worth it and if going to the ombudsman and they have agreed that it was miss sold would they award the 8%

they are putting it towards my balance owed which is a good thing because it will send my monthly crippling payments down and i wont waste it on buying something lol

a huge thank you to di and amersall and everyone else who has helped and offered help to me your all a fantastic bunch

i originaly put my complaint in around the 18th of may 2011

just gotta hope for a good result from the other 4 now

and to everyone else it can be done so sit tight and get back whats yours!!!

Hi, Well done on the refund, i was wondering if it was explained how they arrived at the interest figure? was the total amount you paid £292.82 in PPI?

di3004

trigspur wrote: »

Hi Di,

Any idea if the Barclays announcement today, applies to First Plus Customers as well. Fingers crossed, as my claim has been on hold since November and asked for an update via letter three weeks ago, which they have failed to agknowledge or reply to.
Regards,
Trigspur

Hiya

Yes I'm sure I did read somewhere, maybe on another site that this includes FP, as they are of the same business.
Fingers crossed you will hear something soon.

h0pusp0pus

gdecruz wrote: »

:T
Egg reclaim for incorrect PPI selling against loan

Full amount paid + interest - letter received 10 days after claim sent!:rotfl:

£10,000

As I also had an egg credit card. I am now going to try that too

many congrats i have a claim both through a egg loan and credit card could i ask how much you originaly borrowed and over what time period as id be interested as to what i might be due hope you dont mind me asking