PPI Reclaiming successes and failures

susan1986

Hi. just to let readers know that I was successful in claiming back from a Yorkshire bank personal loan ppi. I was advised at the time that i should because of the size of the loan, without them asking about my sick pay etc. Anyway , the reason I wanted to post is that I got it despite having claimed on it twice, I thought this might jepordise my claim but obviously not!!

di3004

susan1986 wrote: »

Hi. just to let readers know that I was successful in claiming back from a Yorkshire bank personal loan ppi. I was advised at the time that i should because of the size of the loan, without them asking about my sick pay etc. Anyway , the reason I wanted to post is that I got it despite having claimed on it twice, I thought this might jepordise my claim but obviously not!!

Well done and Congratulations!:beer:

amersall

susan1986 wrote: »

Hi. just to let readers know that I was successful in claiming back from a Yorkshire bank personal loan ppi. I was advised at the time that i should because of the size of the loan, without them asking about my sick pay etc. Anyway , the reason I wanted to post is that I got it despite having claimed on it twice, I thought this might jepordise my claim but obviously not!!

:j:jWell done and congrats :beer::beer:

stoutman5

Hi all,
Newbie here! I took out a TSB Trustcard in 1988, and subsequent to their takeover by LLoyds in 1995, I have been using a LLoyds Mastercard since. To cut a long story short, I have been paying PPi since 1988, and wrote off to Lloyds, stating I had never been given the full facts regarding PPI - ie. if made redundant, I would have received statutary redundancy. A cooling off period was never explained to me, nor did an official speak to me. I have since emailed the CEO of LLoyds & their Customer Care, email addresses supplied by your good selves. Additionally, on the takeover of TSB by Lloyds, my PPi continued on what was effectively a new account - no one contacted me regarding this. I submitted my claim 6th May 2011, and after much contact, and the usual letter acknowledging my original complaint, I received the following letter the other day. Do you think this is encouraging at all? Many thanks Alan


Dear Mr XXXXXXX
Our Ref: CC/XXXXXX
Credit Cards: **** **** **** 0527, **** **** **** 1257, **** **** **** 6982, **** **** **** 8834.

Thank you for contacting the office of our Chief Executive, Mr Ant!nio Horta-Os!rio, Your email has been passed to this office for a reply, I would like to thank you for your patience whilst I have been investigating your complaint.

As a result of the recent Judicial Review it has taken us longer than normal to assess your complaint and we recognise that we have not been able to respond to it during this time, responding to you about your policy is an absolute priority for us. Whilst we cannot confirm when you will receive our final response letter, we are processing queries as quickly as we can.

Complaints are being handled in date order and we are working with the regulators to ensure we meet their expectations in terms of how we are handling the complaints and the timescales we are working to.

We want to ensure any potential redress paid to you is correct and this could take a little time.

I can assure you that this further delay will not count towards the time limits in which you can refer your complaint to the Court or the FOS should you disagree with the final outcome of our assessment.

Finally, as you can see above, we are investigating all the credit cards shown, they are all linked to each other and as such, are treated as one account.

Yours sincerely

XXXXX XXXXX
Customer Relations Manager – Lloyds TSB Group Operations

smitchy73

susan1986 wrote: »

Hi. just to let readers know that I was successful in claiming back from a Yorkshire bank personal loan ppi. I was advised at the time that i should because of the size of the loan, without them asking about my sick pay etc. Anyway , the reason I wanted to post is that I got it despite having claimed on it twice, I thought this might jepordise my claim but obviously not!!

Well done Susan, have two claims in against Clydesdale Bank, same thing really, was rejected once already but hadnt claimed on non asking of medical reason's so have sent in a mis-selll claim again, hopefully now they are following the rules a bit better and we might get somewhere this time.

smitchy73

stoutman5 wrote: »

Hi all,
Newbie here! I took out a TSB Trustcard in 1988, and subsequent to their takeover by LLoyds in 1995, I have been using a LLoyds Mastercard since. To cut a long story short, I have been paying PPi since 1988, and wrote off to Lloyds, stating I had never been given the full facts regarding PPI - ie. if made redundant, I would have received statutary redundancy. A cooling off period was never explained to me, nor did an official speak to me. I have since emailed the CEO of LLoyds & their Customer Care, email addresses supplied by your good selves. Additionally, on the takeover of TSB by Lloyds, my PPi continued on what was effectively a new account - no one contacted me regarding this. I submitted my claim 6th May 2011, and after much contact, and the usual letter acknowledging my original complaint, I received the following letter the other day. Do you think this is encouraging at all? Many thanks Alan


Dear Mr XXXXXXX
Our Ref: CC/XXXXXX
Credit Cards: **** **** **** 0527, **** **** **** 1257, **** **** **** 6982, **** **** **** 8834.

Thank you for contacting the office of our Chief Executive, Mr Ant!nio Horta-Os!rio, Your email has been passed to this office for a reply, I would like to thank you for your patience whilst I have been investigating your complaint.

As a result of the recent Judicial Review it has taken us longer than normal to assess your complaint and we recognise that we have not been able to respond to it during this time, responding to you about your policy is an absolute priority for us. Whilst we cannot confirm when you will receive our final response letter, we are processing queries as quickly as we can.

Complaints are being handled in date order and we are working with the regulators to ensure we meet their expectations in terms of how we are handling the complaints and the timescales we are working to.

We want to ensure any potential redress paid to you is correct and this could take a little time.

I can assure you that this further delay will not count towards the time limits in which you can refer your complaint to the Court or the FOS should you disagree with the final outcome of our assessment.

Finally, as you can see above, we are investigating all the credit cards shown, they are all linked to each other and as such, are treated as one account.

Yours sincerely

XXXXX XXXXX
Customer Relations Manager – Lloyds TSB Group Operations

Hi Stoutman,
That looks fairly encouraging, give them the time allowed and email again as per many words of advice on here have said in the past, but looks as if they are aware of all your cards, so they'll all be looked at at the one time. Plus with the huge gigantic backlog at FOS the best hope is allowing the bank that few weeks longer to check and hopefully it'll go in your favour. You can always allow them those few weeks and email the CEO's office again, this time asking for him to check into this, but as per Martin's article yesterday they also have a new Director of PPI Claims and it's falling on his head now too.
Good luck and keep us informed.

donda

Di
just to let you know you are a star. Clydesdale have rung today and upheld my claim BOS emailed back asking for more info all because of emailing the CEO. Can you let me have the email for the CEO of HFC.Once again cannot thankyou enough for all you help. Will keep you updated.

di3004

stoutman5 wrote: »

Hi all,
Newbie here! I took out a TSB Trustcard in 1988, and subsequent to their takeover by LLoyds in 1995, I have been using a LLoyds Mastercard since. To cut a long story short, I have been paying PPi since 1988, and wrote off to Lloyds, stating I had never been given the full facts regarding PPI - ie. if made redundant, I would have received statutary redundancy. A cooling off period was never explained to me, nor did an official speak to me. I have since emailed the CEO of LLoyds & their Customer Care, email addresses supplied by your good selves. Additionally, on the takeover of TSB by Lloyds, my PPi continued on what was effectively a new account - no one contacted me regarding this. I submitted my claim 6th May 2011, and after much contact, and the usual letter acknowledging my original complaint, I received the following letter the other day. Do you think this is encouraging at all? Many thanks Alan


Dear Mr XXXXXXX
Our Ref: CC/XXXXXX
Credit Cards: **** **** **** 0527, **** **** **** 1257, **** **** **** 6982, **** **** **** 8834.

Thank you for contacting the office of our Chief Executive, Mr Ant!nio Horta-Os!rio, Your email has been passed to this office for a reply, I would like to thank you for your patience whilst I have been investigating your complaint.

As a result of the recent Judicial Review it has taken us longer than normal to assess your complaint and we recognise that we have not been able to respond to it during this time, responding to you about your policy is an absolute priority for us. Whilst we cannot confirm when you will receive our final response letter, we are processing queries as quickly as we can.

Complaints are being handled in date order and we are working with the regulators to ensure we meet their expectations in terms of how we are handling the complaints and the timescales we are working to.

We want to ensure any potential redress paid to you is correct and this could take a little time.

I can assure you that this further delay will not count towards the time limits in which you can refer your complaint to the Court or the FOS should you disagree with the final outcome of our assessment.

Finally, as you can see above, we are investigating all the credit cards shown, they are all linked to each other and as such, are treated as one account.

Yours sincerely

XXXXX XXXXX
Customer Relations Manager – Lloyds TSB Group Operations

Hi there

Not a bad letter here as such and at least they are looking into it, with it being a rather old policy.
Keep on touch with them regularly and ask for updates.

As you will know due to the JR, they have backlogs and are working on the ones who complained as from last year, then will be going into these more recent ones this year as they go along.

Fingers crossed on your reclaiming.;)

di3004

donda wrote: »

Di
just to let you know you are a star. Clydesdale have rung today and upheld my claim BOS emailed back asking for more info all because of emailing the CEO. Can you let me have the email for the CEO of HFC.Once again cannot thankyou enough for all you help. Will keep you updated.

Wow, that is fab honey, Congratulations!:T:beer::j and its my pleasure!:T:T:j

Unfortunately I have been trying to track down the HFC CEO email and it failed, but the name of the CEO is Ms Carmel Armstrong.
Good luck x;)

lingl9z

Hi all, just wondering what the success rate is for a Halifax loan PPI reclaim? I took a loan out in 2008 I believe and have payed PPI since then.

I sent a Letter and the Questionnaire to Halifax and got a letter back pretty much explaining that they are sorry about the situation and appreciate me taking to time to bring it to they're attention.

They said they understand my complaint is about the mis-sale of PPI. and also said My complaint will be dealt with as quickly as possible, but if I need to talk to the before hand give them a call.

From this I assume I will need to wait around 8-weeks before I should contact or expect to hear anything from them?

I'm slightly confused how this whole thing works although I have read a lot of helpful bits and peices on this site, so thanks all for that!

If I'm unsuccessful is that the end of it or can I go the ombudsman route?

Again many thanks all.

Rich.