PPI Reclaiming successes and failures

amersall

LisaJH2000 wrote: »

Thanks Amersall!!

You are welcome x,hope you get a result from this.

Riggsy1367

fight_the_power wrote: »

got a letter back last friday from mbna saying my claim had been upheld and they would be sending me £7,496.73 also claimed back £3,202 from capital one not a bad return for sending of a couple of letters

:T:T:TBrilliant!!!:T:T:T

Riggsy1367

MrLizard wrote: »

Had a loan which finished this year. With Alliance and Leicester, i remembered the forced sale of PPI and after reading the advice on here i thought i would give it a go to see what happens. I printed off the form from here and sent it to Santander. 5 weeks later a letter has come through the door, they have upheld the complaint and are refunding the PPI plus 8%. £2500 on its way to me just for the price of a stamp (well it was my money anyway i was missold the protection;)). :money:

:TCongratulations!! That seemed so easy and quick. Wish they were all like that! :T

Scotty1.7

amersall wrote: »

[EMAIL="ja.gadhia@virginmoney.com"]ja.gadhia@virginmoney.com[/EMAIL]


Try email.

And to these.
[EMAIL="neville.richardson@cfs.coop"]neville.richardson@cfs.coop[/EMAIL]

Cheers e-mail's will be sent later tonight

EDIT: Hot off Phone, Update fro all those dealing with Virgin/MBNA

MBNA Just called, they are only just logging letters sent from 2 weeks ago. Seems they are not coping with there volumes

Just recived a apology for the delay and it will be dealt with asap.

BlythBoy

Santander / Debenhams Card Update

Card taken out in store during Feb 2002, claim sent end of April 2011, rejected straight away, FLA useless, FOS writing to the underwriter, e-mail to Santander CEO on Saturday, reply today and rejected again.

Basically any Debenhams, Dorothy Perkins, Burtons cards etc taken out prior to 14-01-2005 will nearly always be rejected by Santander and it's the underwriter who you will have to pursue for a complaint to be upheld. My underwriter, Finance Insurance Co. Ltd were written to by the FOS on 30-06-2011 and to date neither the FOS or myself have had a reply, although the Finance Insurance Co. Ltd's website clearly states that they response to all compliants within 5 working days!
I will never, never have a store card again! Santander basically stated that you signed the agreement so you should know what you are signing! Oh yes, that's why GE Money was fined £600,000 because their sales process was so poor and misleading, oooppps sorry that was after Jan 2005 and before then all their sales staff were totally correct and no one had a policy which was missold!
Let's hope that the underwriter plays ball!!!
AAAAAAAAAaaaaaaarrrrrrgggghhhhhh!!!!

BlythBoy

smitchy73 wrote: »

This is from the FSA handbook guidance, maybe you should right back to them and quote them this part of it and ask them to refer to this and re-look at your complaint.

[FONT=TimesNewRoman,Bold]3.10 Application: evidential provisions[/FONT]

3.10.1 E The

[FONT=TimesNewRoman,Italic]evidential provisions [/FONT]in this appendix apply in relation to [FONT=TimesNewRoman,Italic]complaints [/FONT]about

sales that took place on or after 14 January 2005.
3.10.2 G For [FONT=TimesNewRoman,Italic]complaints [/FONT]about sales that took place prior to 14 January 2005, a [FONT=TimesNewRoman,Italic]firm[/FONT]
should take account of the

[FONT=TimesNewRoman,Italic]evidential provisions [/FONT]in this appendix as if they were

[FONT=TimesNewRoman,Italic]guidance

[/FONT]

.

3.10.3 E Contravention of an [FONT=TimesNewRoman,Italic]evidential provision [/FONT]in this appendix may be relied upon as

tending to establish contravention of [FONT=TimesNewRoman,Italic]DISP [/FONT]1.4.1R.

Thanks for this and sorry for the delay, claim rejected again after e-mailling the CEO on Saturday and now it's with the FOS who are writing to the underwriter which is Finance Insurance Co. Ltd. Basically Santander said that unless the claim is post 14-01-2005 they will not uphold it.

IANC

Don't think Nerys likes me

Kt8

What were you reclaiming: credit card ppi from 1996 (i think)
Who was the provider: HALIFAX
How much did you get back: £3,172.45
Did you get it back after a letter or did you go to the Financial Ombudsman: Did the template letter and customer complaints form and rang up several times to check progress. They did offer in january for us to go to the FOS due to the delays but we sat tight.
And then write your brief reclaim tale: Started it in October 2010, sent all forms off and had several letters from HALIFAX stating usual, delays..looking into things...will hear back from us shortly. In January we had a letter stating due to the court case there was a delay, so we sat tight, didnt go to FOS. Got a letter last week saying it will be the 31st August until we heard anything..so we sat tight...got a letter today stating they were agreeing our case and cheque will be with us within 5 days!!!!!!

THANK YOU TO THIS BOARD! BEEN SO HELPFULL!

amersall

Kt8 :j:j:j:jFab :beer: well done x.

LisaJH2000

Thanks Amersall, the email address you gave me did the trick!

I emailed the CEO and just got this reply

I have been forwarded your email by Ian O’Doherty who has asked me to respond.

I can confirm that I have approved your cheque and this will be sent to you tomorrow.

You should receive this cheque by Friday or Saturday.

Please accept my apologies in the delay in receiving your cheque.