PPI Reclaiming successes and failures

classified17x

Hi all
so im new
my story-
going through my finances with a fine tooth comb 2 months ago while struggling financially, i noticed PPI on 2 RBS credit cards which were like £75 each per month- they are both large credit balances and i have had 1 10years and other around 6years-
so a LOT Of PPI payments
i scrutinised the paperwork and had it cancelled and then noticed that i am self employed it was completely usless anyway as cannot claim even if i did know i had it and wanted it etc
So followed MSE instructions wrote to RBS - received a response within 2 weeks saying they were looking into claim and investigating and to allow them 4 weeks-
then a second letter near end of 4 weeks saying needed more time which takes the 2 14/07/2011 2 days from now-
and no response yet-
wondering if anyone has any advice if i have not received anything by the 14th as to what my next move should be????
:T
any help kindly appriciated

sunny8_2

amersall wrote: »

Hopefully,this is in the process of being upheld,was this front loaded ppi?,if it was i doubt it will not be upheld, fingers crossed x.

Yes, it was front loaded £2600, didnt even realize we had it!! The lady said it was being signed off today?
Does it make a difference with it being front loaded Amersall??, oh i sooooo do hope we get a positive response Thankyou for your advicexx

bonjen3

woooooooo hoooooooooooooo Result!!!!!!!!!! Finally, after much run around with bank of scotland they have made me an offer. They are offering me just over £2k back which could not come at a better time as I am moving house in a fortnight and could do with extra cash.

Thanks to everyone who helped me on these boards, I couldn't of done it without you.

mandy1cat

bonjen3 wrote: »

woooooooo hoooooooooooooo Result!!!!!!!!!! Finally, after much run around with bank of scotland they have made me an offer. They are offering me just over £2k back which could not come at a better time as I am moving house in a fortnight and could do with extra cash.

Thanks to everyone who helped me on these boards, I couldn't of done it without you.

Well done and good luck in your new home!!!

Looks like BOS are finally getting their fingers out .
Let's hope they're not as slow processing their cheques :mad:

sunny8_2

well done!! :-)xx

di3004

Well done to all winners.:T:beer::j

Just trying to catch up now, been sorting out a complaint for my brother in law, all done now, well for now anyway

di3004

Howl-z wrote: »

- Reclaiming PPI on a personal loan for a car
- Provided by Egg plc
- Got back £1,705.22
- Took 5 months but very worthwhile!
- Took out the loan in 2004, posted my initial complaint Feb 9th 2011, Egg confirmed receipt days later, then after 4 weeks gave an update saying they were trying to find the original conversation. Then another update same again after 8 weeks. Gave them another 4 weeks as the letter said they appreciate my patience and stated they would contact again if there was no result after 4 more weeks. 4 weeks passed with no contact and when I phoned to query this the guy essentially told me they didn't have to make that contact despite the letter saying they would. Very disappointing as I could have referred to the Ombudsman after 8 weeks. Next I sent Egg the letter stating I wanted them to look into it and contact me within two weeks or I would go to the Ombudsman. No contact so then I reported it to the Ombudsman service and received confirmation days later. Then soon after I received a letter from the Ombudsman service explaining what happens next and how they will contact me with developments. Then around 3 weeks later a letter from Egg came exactly 5 months after the original complaint, on July 9th saying after completing a full investigation my complaint had been upheld and enclosed was a cheque for £1,705.22, which included my payments made, interest paid and the 8% on top! Result!

I would highly encourage anyone with a claim to get it in, it really is just a few letters with some persistence and you could get your money back!

Many thanks to Martin and everyone on moneysavingexpert for providing the forms to send and a comprehensive guide on how to go about the process. This made the diffference for me and got me to do it and it has paid off!

Great work :T Congratulations!:beer:

di3004

computerbuddy wrote: »

Hi Di, yes it was the final response from Cap 1, i received a letter from ombudsman a letter of Acknowledgement saying, thankyou for your correspondence which has been received safely today 29th June, We are currently receiving very high volume of enquiries and it may take upto 4 weeks before we can provide you with a full response. If you have not heard by then please contact us. So fingers crossed. Thanks Di for your help. x

Your very welcome.
Keep at them and keep us posted, fingers crossed here too. x;)

di3004

h0pusp0pus wrote: »

result this morning :j :money:

heard from egg loan at last they have upheld in my favour and have refunded me £770.89 pence

break down as follows

i borrowed £1200 back in 2005 for a car paid it back over about 5 years i think

total ppi paid = £465.28

plus interest= £138.61

plus 8% = £!67

total refund =£770.89

big thank you to everyone on here specialy di and amersall and of course martin lewis and his brilliant web site

oh and also i got my evidence back from hm revenue customs so shall be sending a copy right off to santander regards my burtons menswear card which will be my last claim

Absolutely fab news honey :T:j Well done and Congratulations!:beer:
And your most welcome x;)

di3004

janeymal wrote: »

Many thanks for your e-mail which has just been received by Stephen Hester's office.

After reading your e-mail, I have arranged for a manager from our PPI Team to investigate your complaint and, to ensure that you get a full response. I have asked for a copy of the response so I can be sure that we've handled your complaint correctly. You will hear further from my colleague within 10 working days.

If, you have not had a response by this time, please contact us and we will take matters forward on your behalf.

Yours sincerely


Scott McLellan
Group Customer Relations

**** This is the response I received from my email to RBS CEO, hopefully I should hear within 10 working days, however, I wont hold my breath. I'll keep you all informed ****

Fab, everything crossed here then.:);)