PPI Reclaiming successes and failures

ThunderCat

chester1976 wrote: »

im shocked really, put inital complaint in by phone by phone begining of may, and sent FOC questionaire in 15th may. so was not expecting it to be sorted so quickly. did email customer services and CEO after i was told they had no record of my recorded delivery questionaire being recieved.
good luck to everyone who is waiting on news:)

Wow. Talk about express service. :rotfl:

If only all cases were sorted out this quickly!

Well done once again.:D

di3004

Been very busy today so not caught up with all posts as yet.:D

But a BIG well done to all you winners.

Congratulations :beer: and well deserved, good work folks x:T:T

di3004

chester1976 wrote: »

:j:j:jreceived my settlement figures from lloyds tsb this moning
£4266.92,im so excited. more than i thought and thank you again everyone for your fantastic advice on this website:beer:

WOW that is fab :T Congratulations!:beer:

di3004

rippedoffatxmas wrote: »

After almost 18 months I have finally succeeded in my claim for mis-sold PPI.

My claim was with Tesco Bank on a credit card dating back ten years. Initially claim was rejected but Financial Ombudsman found in my favour. In recent years the balance has been around 6 to 9k. I got back £7,400. Also, I received the cheque for this amount, the amount was not deducted from my credit card balance as I had been told it would.

Unfortunately!! I used a claims company as I thought the process would be long and difficult, long yes but all it took was a couple of forms to fill in. I will lose 25 per cent plus VAT in payment to the claims co but that's life, we live and learn. Advice to anyone is to go it alone.

Could anyone please tell me if PPI will now be removed from my credit card account or will I have to ring the company and do this myself?

Good luck to everyone still going through the process!

Wonderful!:T Congratulations!:beer:

di3004

ArferDaly wrote: »

Hi all.

Got a £1500 refund from Egg on a credit card :beer:
Just waiting to hear about a Loan and LloydsTsb Credit card.

Wish me luck.

Mark :T

Well done!:T Congratulations!:beer:

di3004

Dave_6 wrote: »

Great Great result

HSBC,

Mate had 2 loans with PPI, 1 loan had been paid off early with loan 2 (loan 2 was still running with over 4.5k left on it)
Had posted in the discussion thread about how much could maybe be expected back with the 8% interest.
I genuinely believe he was missold so have helped him do everything as I was already helping him get out of debt,

The HSBC offer was very close to that which had been worked out on this forum, massive thanks to those who have given me advise.
Think it was robbedofmymoney who worked out what to expect back with other advise from Di + Amersall

Claims were sent back in August last year but went on hold due to the Judicial review, I chased up the claims after the review and received no response after 6 weeks so emailed the managing director.
This got things moving and 2 weeks later my mate received an offer letter…..



Loan written off in full….. so over 4.5k + with the interest it also meant they owed him a little extra on top so that was paid directly into his account




Massive result. About 10 months ago he gave me his bank cards and said he was starting to get in a mess, credit card maxed out and living in his overdraft every month, that was aswell as having over £300 to pay to an HSBC loan each month aswell as a loan to one of those door to door loan selling companies (£100 a month).

10 months on and his credit card is clear (+ locked in my safe)
All loans now cleared off completely (so no longer having to pay hsbc over £300 or the other company £100)
+ is now putting £250 aside each month so he can afford to pay his car insurance in full when its due in January aswell as go on a holiday.


He’d basically just been spending beyond his means, had to break his spending down on a spreadsheet for him and give him a budget to stick to. Simple.

Absolutely brilliant Dave.:T Congratulations!:beer:

We are always happy to help, its our pleasure, well done!;)

Jeff_Leppard

Lloyds TSB have confirmed that my total redress will be around £10k. Obviously I am well pleased and I would like to thank everyone on here (especially Di, Martin, amersall & co....) for keeping me and others going when were got bleak (especially when the BBA asked for a judicial review).

I've had some really dark days as far as money and Lloyds TSB is concerned, and all the time they were ripping me off. I really hope those of you who have been struggling financially manage to get the right result and real soon too. I can honestly say I never want to go through this experience again.

I'll be looking for a new bank from tomorrow.

Di - you are an absolute superstar on this board. Seeing your positive posts are what keeps people like me going. Thank you.

Tropicalmoments

I've just got a letter from Egg upholding my complaint. They've agreed to refund the premiums for the last 6 years including interest and 8% which equals a payment of £1049.77.

I only sent off my complaint on 22 June so a very quick turnaround.

I am delighted and many thanks to everyone on here for the encouragement.

But I have a query - the card was taken out in 1999 and I cancelled the insurance in 2006 when I started a DMP. I was able to find a statement from 2005 which showed I was paying £69.60 for PPI and I put in my complaint based on that statement (as there was nothing in the credit agreement about PPI).

I put in a SAR last week to EGG because I have another credit card which does mention PPI in the credit agreement but i couldn't find any statements indicating how much.

It looks to me as though EGG have refunded the ppi back to 2005 but not before that. They have indicated in their letter that the refund will be paid into the account which still has an outstanding balance in full and final settlement and that this is their final response.

My question is that if they respond to my SAR, produce all of the statements and it appears I have been paying ppi since 1999 will I then be able to go to FOS to have the complaint reviewed as it is likely that they will owe me significantly more than they've refunded me?

I hope that doesn't make me sound ungrateful because believe me I'm absolutely not.

TM

billiejones

Hi Jeff Lepperd,
Could you please tell me when you first put your claim with llloyds tsb.

Twins

Hello everyone,

I'm so excited, I just got home and got a reply to my PPI claim with Northern Rock where they agreed I had been mis-sold the insurance!!

They have offered me £2048.97 payout :T

I am over the moon as I was sceptical about whether I'd get anything as I couldn't remember my account number or details. But I put a call into NR who said yes I did have PPI on my loan and then I followed Martins advice on this website, filled in the form, sent it off and 4 weeks later I get this

I've got 3 more claims I'm waiting to hear back on so fingers crossed they all come good!!

I'm off to have a glass of champers as it's also my wedding anniversary today so double celebrations :beer:

Good luck everyone with your claims! :wave: