PPI Reclaiming successes and failures

smitchy73

Mrs_Impatient wrote: »

Hi, has anyone had any dealings with either of these two banks. I have received a letter from both saying the 31st August deadline. I put my claim in last August and seems to be dragging. Just wondering if anyone has had any success stories with them lately. Thanks.

This is the new deadline for all original complaints put in before the Judicial Review to have them finalised with, you could always email the ceo, Stephen Hester at RBS or Senior Oratrio(?) at Lloyds Banking group, email addresses on this thread somewhere.
Unlike you're name you will have to be patient, and hopefully the banks will look at your claims well before August, or you can look on the dull side of it, you could complain to FOS and wait another 18 months or so, end of August doesn't seem so bad anymore?

amersall

TheNew wrote: »

Fair enough, thanks for your reply.

That would aggrieve me somewhat as someone who has never missed a payment, they shouldn't then be able to choose how and when I pay back the terms of the loan we've both agreed. And surely a new loan agreement would have to be made?

Hi there,is the loan still running that you claimed mis sell on?, as this will benefit you, as the ppi will be taken off this loan thereby reducing the balance and the monthly ppi payment will be taken off your loan payment, you do not have a new loan as such, this is the same loan over the same term and apr as the one you have now.

If there are no arrears then i think they should give this refund back to you, (some banks do this) but as you say you should have the choice of the money coming back to you.

Rae115

Ok update times

I received docs from FOS on saturday so quickly filled their paper work in all about CAP 1 rushed to PO and got their b 4 the mail left. YEAH

SUNDAY - emailed CEO for CAP 1 letting him know how unhappy i was and what bit of this treatment is TREATING THE CUSTOMER FAIRLY - guess what ....
NO REPLY (lol)

ANYWAY got in from work and decided to call Shop direct re my 2 catalogues. The lovely lady said there are a lot of notes on the file, do i mind giving her 10 mins to read through and she will call me back. (ahhh how nice) i said ok yeah no problem.

Hour and a half later im still waiting so i called back to find out whats happening, surely it doesnt take this long to read notes.

The message i got was "thanks for calling our opening times are 8am - 6PM mon - fri" I GOT PLAYED.

Pity i didnt take her name.

so here's my updated claims list.

CAP 1 - with FOS
Empire/Red Cats - with FOS
Blackhorse - with FOS

Shop direct X 2 - awaiting call back / decision
Halifax Bankover draft & Card - 16 week wait
Citi - nothing recvd from them - but 16 weeks wait
BHS -await update
BHS & New Look Card - ack from Santander
Santander over draft- Ack from Santander

Barclays & Barclay Card - await sars

Argos Card - await terms & Contract - all they have done is cashed my £1.00 cheq and nothing.

Success - Debenham in 2.5 weeks :T
GOOD LUCK EVERYONE AND CONGRATS AGAIN

smitchy73

amersall wrote: »

Hi there,is the loan still running that you claimed mis sell on?, as this will benefit you, as the ppi will be taken off this loan thereby reducing the balance and the monthly ppi payment will be taken off your loan payment, you do not have a new loan as such, this is the same loan over the same term and apr as the one you have now.

If there are no arrears then i think they should give this refund back to you, (some banks do this) but as you say you should have the choice of the money coming back to you.

amersall, I think the op's first post said that this current loan didn't have ppi on it, and all others had been paid off, and from the post you replied to said she hadn't even missed a payment. me thinks that s/he should be entitled to all offers directly back to them, but whether the banks will see it that way I don't know.
I think also the FSA handbook states that loans that are live and found in favour should be put in a position they would've been in if the ppi hadn't been taken, but that doesn't apply in this case.
Personally if I win my complaint, if I get the money back i'd be using it to pay off the other stuff I have and re-address the payment I make to my current loan by paying extra.(amersall - not having a go on your comments though, you're more of an expert than me)

tifosi

Jax2211 wrote: »

Hi
I put my claim in with MINT (RBS) back in March. My claim has been upheld. I heard from them on Friday advising a cheque would be posted within 28 days. Happy days! Hopefully you'll hear something soon as I also received a letter telling me I would hear back before end of Aug. I didnt expected to hear from them so soon. Fingers crossed for you!

Jax -

was this a MINT credit card?

If so, what grounds did you give for misselling?

(congrats!!!)

amersall

smitchy73 wrote: »

amersall, I think the op's first post said that this current loan didn't have ppi on it, and all others had been paid off, and from the post you replied to said she hadn't even missed a payment. me thinks that s/he should be entitled to all offers directly back to them, but whether the banks will see it that way I don't know.
I think also the FSA handbook states that loans that are live and found in favour should be put in a position they would've been in if the ppi hadn't been taken, but that doesn't apply in this case.
Personally if I win my complaint, if I get the money back i'd be using it to pay off the other stuff I have and re-address the payment I make to my current loan by paying extra.(amersall - not having a go on your comments though, you're more of an expert than me)

How dare you?:mad:
Only kidding :rotfl::p

I am not more expert than anyone else on here, i help with things i know about, or that i did with my claims in the past.
But thanks anyway :A

The op said that they should not have to have a new loan?, i did not understand this as if the ppi was not on this loan,then they should get the refund back to them surely?.

If this loan has no ppi on,then there is no way that the bank can take the ppi refund off this loan and reset it.
I would think this refund should go back to the op.

amersall

h0pusp0pus wrote: »

hi amersall hope your well i phoned hm revenue and they said to start with it could be 6 MONTHS!!!!! lol but i explained i only wanted proof of unemployment between certains dates and not my entire working life so he said that they should be dealing with it in the next week so fingers crossed

Fingers and everything else crossed for you xx:D

smitchy73

amersall wrote: »

How dare you?:mad:
Only kidding :rotfl::p

I am not more expert than anyone else on here, i help with things i know about, or that i did with my claims in the past.
But thanks anyway :A

The op said that they should not have to have a new loan?, i did not understand this as if the ppi was not on this loan,then they should get the refund back to them surely?.

If this loan has no ppi on,then there is no way that the bank can take the ppi refund off this loan and reset it.
I would think this refund should go back to the op.

:pright back at ya! :rotfl:

Yeah you're right, it should go back to the op, most definately, I think FOS would say the same too. We'll just need to fingers and toes crossed for the op for it too

amersall

smitchy73 wrote: »

:pright back at ya! :rotfl:

Yeah you're right, it should go back to the op, most definately, I think FOS would say the same too. We'll just need to fingers and toes crossed for the op for it too

Ditto :D

di3004

chester1976 wrote: »

:beer:congatulations to everyone who has had good news the last few days:beer:
i sent an email to ceo of yorkshire bank on 28/6/11 and to ppi customer services on 2/7/11 with all my hospital admission dates to add to my complaint file, and have heard nothing back from them yet:mad:
how long would you leave it to re email them again
thanks

I would email them again tomorrow, I nagged and nagged until I got a reply.:D keep at them, they will soon get back, good luck.;)