PPI Reclaiming successes and failures

Smamfer

Hi All,

Ill try to keep this short and sweet but if its anything like my letter last night to Halifax i may fail It ended up being 4 a4 pages long and whoa did i let it all out

I first contacted Halifax January with the standard letter
I received a letter back in March saying the usual and they would get back to me
I received another letter in April saying they were still looking into it

I heard nothing back so last night decided to get it all off my system, i think they will pay out just to refrain me from writing them essays again !!:rotfl:

My basics are.
One credit card with ppi on it, this started off in 2006 at £5 per month and was recently, until i cancelled it, @ £12.00 a month, it was done over the phone but i know i would not have ticked the box for ppi as i have always had a second income and often been self employed so the ppi would not have covered me anyway. So thats one im trying to claim back. I also found some paperwork that id signed for life cover with it and yet have nothing else to go along side that!

While i was writing to them for an update i thought what the hell in for a penny in for a pound ill let them know how i feel about a few other complaints i had.

I have 2 accounts 1 for 10 years plus which is an electron which i was recently told was basically a childs account and they dont issue anymore, The other a reward account, there has been masses and masses of problems, me upgrading but them not doing it properly, then telling me i had upgraded but only done it half, the masses of charges the list goes on and on, Recently i went in to discuss some personal matters to be told by the branch manager..." can i log this as a complaint, we are being urged to tell customers to do this" :eek: anyway it was a complete mess so i wrote all that in my letter saying how unprofessional the staff were how id spent hours on the phone id gone into branches and been badly advised, luckily i keep a diary with names so they got the lot. So the basis on that is im looking at all charges i have received through the mess up of an overdraft i was led to believe was a one off fee a month but actually was £1 a day and £5 just for having it.

I also have a loan with Halifax, this is due to end next year, never missed a payment and i didn't have ppi on it, my point for my cc was,,, why would i want it on another product if i didnt have it on this! I do have to check some paperwork though to see if i did one of these " front" payments and did a lump sum at the beginning.
My main beef with the loan was i did this over the phone and before i actually got the money i receievd a "rbos" bank card come through, never having a loan before i presumed the credit limit on it was linked to my loan and thats how i got to the money.. It had a £500 limit on it so i used it as i had taken the loan to help with moving costs, I was not told about this account "preference" they call it, id have preferred not to have it now looking back!! So i ended up with another bank account with Royal bank of scotland after taking a loan out with Halifax!! I wonder if they will look into this too,

So the run down is
1 ppi halifax credit card
1 badly set up reward account,
1 childs account they dont even do anymore which doesnt earn me credit rating
1 extra bank account i never even asked for.

Do you think they will,,,," waaaaaaaaaaakeeeee up im nearly done lolol... do you think they will look into all things together and treat me fairly and as they had hit the 8 week time limit regarding my first complaint will me now spilling it all out delay things or will mr Halifax just hand me an open cheque book :rotfl:


ok im done but of course ill return xx

Banks0mewin

Hi All,

Just thought I would update you on my progress with NRAM (Northern Rock). Established a complaint with them over the phone, after 5 weeks got letter of offer, offer accepted.:j:j

Just chased acceptance and payment of offer- they say could take another 3 weeks for payment to reach me- not entirely happy about that! :mad::mad:

Anybody had a similar response?

amersall

Banks0mewin wrote: »

Hi All,

Just thought I would update you on my progress with NRAM (Northern Rock). Established a complaint with them over the phone, after 5 weeks got letter of offer, offer accepted.:j:j

Just chased acceptance and payment of offer- they say could take another 3 weeks for payment to reach me- not entirely happy about that! :mad::mad:

Anybody had a similar response?

:j:jWell done on your win :beer:
They say 3 weeks but you may get it before this, they usually pay this by bacs, is that how they are doing yours?, as this is also quicker than a cheque.

Gilman

Update on my claim for mis sold PPI with GMAC/Vauxhall i have had to take it to the FOS they hare looking into my claim - as the underwritters are PINNACLE insurance ....

will up date you on the outcome

xcakex

Gilman wrote: »

Update on my claim for mis sold PPI with GMAC/Vauxhall i have had to take it to the FOS they hare looking into my claim - as the underwritters are PINNACLE insurance ....

will up date you on the outcome

Hi
Just wondering did you write to GMAC or the dealership as i am chasing for more info on the account i help with them for my car finance.

Thank you

tjc100

HSBC SUCCESS

Hi all,

Update on HSBC compliaint sent July 2010

Lender : HSBC
Reason for complaint: Severe Pre existing medical conditions and self employed (Director of own company)
Date: July 2010
Decision: June 2011

Claim placed on hold due to JR (dec)

Have telephoned them once a week since result of JR to be told that they are "awaiting guidelines on how to proceed" Telephoned again wednesday (15th) to be told the same, asked to speak to a manager as this was unacceptable considering the length of time involved. Lady came back on the phone to tell me that she had now received permission from her manager to look at my case. I should hear back within 2 weeks.

Got a call from the same lady yesterday Thurs 16th to say it is a clear cut case, uphold letter in the post with calculations. Sorry for the delay.

Received letter this morning fri 17th offering full refund of premiums and 8%. Just under £4000 !

Needless to say offer signed and sent back, 7 to 10 days for refund as I have an account with them.

Thanks to everyone for their help in this, especially Dizzy Di....you a star!

klflosser

Just received the first letter from Barclays regarding my credit card and confirming there will be an offer of a goodwill gesture by 31st August and will include all PPI premiums paid to date and associated interest, plus 8%. As I have had the card for eons I have no idea how much it will be but "WELL DONE, BARCLAYS".
I have 2 other outstanding complaints on hold, which I had sent to FOS in March. Hope to hear about them too soon.

advise_me

hi i am new to this and i was hoping someone could help me.

i have taken out some loans over the past few years as i borrowed more money each time. i have always said no to ppi but would i still be able to reclaim?

amersall

tjc100 wrote: »

HSBC SUCCESS

Hi all,

Update on HSBC compliaint sent July 2010

Lender : HSBC
Reason for complaint: Severe Pre existing medical conditions and self employed (Director of own company)
Date: July 2010
Decision: June 2011

Claim placed on hold due to JR (dec)

Have telephoned them once a week since result of JR to be told that they are "awaiting guidelines on how to proceed" Telephoned again wednesday (15th) to be told the same, asked to speak to a manager as this was unacceptable considering the length of time involved. Lady came back on the phone to tell me that she had now received permission from her manager to look at my case. I should hear back within 2 weeks.

Got a call from the same lady yesterday Thurs 16th to say it is a clear cut case, uphold letter in the post with calculations. Sorry for the delay.

Received letter this morning fri 17th offering full refund of premiums and 8%. Just under £4000 !

Needless to say offer signed and sent back, 7 to 10 days for refund as I have an account with them.

Thanks to everyone for their help in this, especially Dizzy Di....you a star!

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

advise_me

hi i am new to this and i was hoping someone could help me.

i have taken out some loans over the past few years as i borrowed more money each time. i have always said no to ppi but would i still be able to reclaim?