PPI Reclaiming successes and failures

amersall

good_grief_penfold wrote: »

Phoned, MBNA who said i needed proof of my employment from the tax office, phoned tax office who said their records didn't go back beyond 2005, but they'd put a request into archives. so thought i may as well send an e-mail to MBNA using the wording from your letter. Got an e-mail back today less than 3 weeks later and without the tax office getting back to me.

Total amount of PPI premiums charged since sale date: £779.37
Total amount of interest associated with the PPI premiums: £328.18
8% amount: £179.02
Total amount payable to you: £1,286.57 :beer:
chuffed to bits, thanks Martin :rotfl:

:j:jCongrats :beer::beer:

di3004

My recent 2 upheld with Lloyds.
:beer:

We processed your refund upon the receipt of your acceptance. If you have not received this payment please allow up to 21 days for the refund to reach your account.

Your refund will include the following;


Loan number ********


1) £310.43 - this is the amount I have calculated that you paid for the policy during the policy was active. When making this calculation I have only taken into account the actual payments you have made.

2) £279.43 - This is an additional payment of 8% simple interest which we have calculated on the amount that you paid for the policy during the period it was active.

As you settled your loan early, I have also calculated the difference between the settlement balance you paid and what your settlement balance would have been if you had not taken out the policy.
We will pay you the difference of £173.34 with an additional payment of £143.29 which represents 8% siimple interest. I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.




(Next loan ppi refund)

Loan number ********

Wording on letter the same as above.

Your refund will include the following:

1) £268.48 - this is the amount that I have calculated that you paid for during the period that the policy was active. When making this calculation I have only taken into account the actual payments you have made.

2) £214.40 - this is an additional payment of 8% interest which we have calculated on the amount you have paid for the policy during the period it was active.

As you settled early, I have also calculated the difference between the settlement balance you have paid and what your settlement balance would have been if you had not taken out the policy.
We will pay you this difference of £432.06 with an additional payment of £330.59 which represents 8% simple interest.

I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.

amersall

chester1976 wrote: »

:beer:lloyds tsb have upheld my 2 claims, one from july 98 and one from july 99, i put my inital complaint in on may 4th. thank you everyone for your advice on here:j:j:j

:beer::beer: Well done :j

di3004

good_grief_penfold wrote: »

Phoned, MBNA who said i needed proof of my employment from the tax office, phoned tax office who said their records didn't go back beyond 2005, but they'd put a request into archives. so thought i may as well send an e-mail to MBNA using the wording from your letter. Got an e-mail back today less than 3 weeks later and without the tax office getting back to me.

Total amount of PPI premiums charged since sale date: £779.37
Total amount of interest associated with the PPI premiums: £328.18
8% amount: £179.02
Total amount payable to you: £1,286.57 :beer:
chuffed to bits, thanks Martin :rotfl:

Congratulations!:beer:

amersall

di3004 wrote: »

My recent 2 upheld with Lloyds.
:beer:

We processed your refund upon the receipt of your acceptance. If you have not received this payment please allow up to 21 days for the refund to reach your account.

Your refund will include the following;


Loan number ********


1) £310.43 - this is the amount I have calculated that you paid for the policy during the policy was active. When making this calculation I have only taken into account the actual payments you have made.

2) £279.43 - This is an additional payment of 8% simple interest which we have calculated on the amount that you paid for the policy during the period it was active.

As you settled your loan early, I have also calculated the difference between the settlement balance you paid and what your settlement balance would have been if you had not taken out the policy.
We will pay you the difference of £173.34 with an additional payment of £143.29 which represents 8% siimple interest. I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.




(Next loan ppi refund)

Loan number ********

Wording on letter the same as above.

Your refund will include the following:

1) £268.48 - this is the amount that I have calculated that you paid for during the period that the policy was active. When making this calculation I have only taken into account the actual payments you have made.

2) £214.40 - this is an additional payment of 8% interest which we have calculated on the amount you have paid for the policy during the period it was active.

As you settled early, I have also calculated the difference between the settlement balance you have paid and what your settlement balance would have been if you had not taken out the policy.
We will pay you this difference of £432.06 with an additional payment of £330.59 which represents 8% simple interest.

I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.

:money::money::money::money::money::money::money::money::money:
Well done amd congrats :T:T:T:T:T:T:A

di3004

chester1976 wrote: »

:beer:lloyds tsb have upheld my 2 claims, one from july 98 and one from july 99, i put my inital complaint in on may 4th. thank you everyone for your advice on here:j:j:j

Well done and Congratulations!:beer:

The_Marksman

di3004 wrote: »

My recent 2 upheld with Lloyds.
:beer:

We processed your refund upon the receipt of your acceptance. If you have not received this payment please allow up to 21 days for the refund to reach your account.

Your refund will include the following;


Loan number ********


1) £310.43 - this is the amount I have calculated that you paid for the policy during the policy was active. When making this calculation I have only taken into account the actual payments you have made.

2) £279.43 - This is an additional payment of 8% simple interest which we have calculated on the amount that you paid for the policy during the period it was active.

As you settled your loan early, I have also calculated the difference between the settlement balance you paid and what your settlement balance would have been if you had not taken out the policy.
We will pay you the difference of £173.34 with an additional payment of £143.29 which represents 8% siimple interest. I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.




(Next loan ppi refund)

Loan number ********

Wording on letter the same as above.

Your refund will include the following:

1) £268.48 - this is the amount that I have calculated that you paid for during the period that the policy was active. When making this calculation I have only taken into account the actual payments you have made.

2) £214.40 - this is an additional payment of 8% interest which we have calculated on the amount you have paid for the policy during the period it was active.

As you settled early, I have also calculated the difference between the settlement balance you have paid and what your settlement balance would have been if you had not taken out the policy.
We will pay you this difference of £432.06 with an additional payment of £330.59 which represents 8% simple interest.

I have calculated your refund in accordance with the Financial Ombudsman Service guidelines.

:j:j:j:jPARTY TIME:j:j:j:j

di3004

mrsmorris34 wrote: »

hi every1...to cut a long story short, started my claim in dec 2009, adjudicator ruled in my favour in dec 2010 but ge money appealed against the decision june 2011 and still heard nothing from the ombudsman

my question is does anyone know how long the appeal process takes?
Thanks

Hi there

I would contact the FOS at least once a month to ask for updates, you should not be waiting as long as you did when waiting to be passed on to the first adjudicator, and I am aware because of this, the ombudsman should also award if also came to the same decision as the adjudicator, a further redress payment for inconvenience and distress, hope you hear something soon, fingers crossed.;)

di3004

Thanks my darlings :A:A
That is 6/6 success with Lloyds now, not bad going is it?:T

And that is without the other successes, Nemo, Liverpool Victoria, Eloans/Twopart etc.
And still have one case ongoing though which is complexed and in with the FOS and have been going on since 2008 but will keep fighting :T:beer:

The_Marksman

Hi Di & Gang,

I have a total of 5 ppi compliants in with lloyds tsb, the 8 weeks is up this week or next will have to check when i get in. Do i chase them up via email and what would you suggest i ask or after reading the Barclays ppi news thread, do i now have to allow 16 weeks?:D

Cheers ears:D:D