PPI Reclaiming successes and failures

Flump74

Hi all, just wanted to register & thank you for giving me the motivation to make a claim against Egg for mis sold PPI on a loan.

Long story short, original Egg loan in 2002 & topped up in 2004 which completed last year. PPI front loaded from the start. Sent a letter disputing the PPI with copies of the original loan agreements to Egg in May.

Received 2 standard letters from them - the first acknowledging my complaint, the second after 1 month with information that my claim was still being investigated.

Got home today to find 2 more letters from Egg - the first opened informing me that they were still investigating my claim. The second opened contained a cheque for £6439.41 :rotfl:

Many thanks to all, if it were not for this forum I would not have had the information needed to get this done - so big thumbs up to you all :beer:

Good luck to everyone else!

julieprit2

nanna79 wrote: »

Hi there

Mine was a credit card going back to 1999 ish... balance was £3000.

Nanna x

Really brill you must be over the moon :-)

Kuffs1978

Nice to see that prejudice against the disabled is not merely restricted to the world of employment. We've spoken to the adjudicator this afternoon who has explained that, even though my sister's previous medical condition has worked in her favour, and overall the adjudicator had ruled in her favour, Norton Finance have rejected their decision, citing my sister's declaration of having paid enough national insurance in application for THE LOAN, even though my sister submitted her N.I. records for the last five years, which clearly illustrated she hadn't worked enough to pay a penny. So it's now going to the ombudsman, and therefore looks like the stress, upset and disruption over the lady 16 months has been a waste of f*cking time. Really does prove that old phrase I've heard in films like Ocean's 11; no matter what happens, the house always wins in the end. !!!!!!!s.

di3004

sunny8 wrote: »

Hey guys....hubby rang FOS to enlighten them with our bad news yesterday & they cant find our complaint on file!! Aaaarrrggghhhh!! I have found it on my computer dated 5th may & thats when i sent it but they cant find it on the system!!:( However, the guy was nice & asked my hubby what had happened, he filled the guy in ( not literally, by the way!!ha) & he said we definatley had a claim & to re submit a form, also with all letters, correspondence etc and they would look at it...bit deflated as it's 9 weeks waisted, but at least now i have the chance to defiantly argue my case...will maybe need a bit of your expertise when filling it in!!:D xx

Hiya

Not very competant are they?:eek:

Glad its all sorted now though, the best of luck

di3004

lisangry wrote: »

Hi this is my first time on here.
I am having real trouble with Lifestyle Claims like others I have read on here.

I was getting no end of cold calls and after a lot of persuasion and a very appealing argument I agreed to sign up. I tried to cancel once but they talked me out of it but once I received their welcome pack and read it I definitely wanted out and rang to cancel as I was within their 14 day cooling off period. After trying to convince me otherwise they agreed to refund the arrangement fee of £359.58 once they had received all papers back in the post which I did all voided so none could be used.

I have not received me refund and have left messages with no response and cannot get an answer no one picks up the phone. What do I do next. Can anyone help please?

Hi there

So sorry to hear this.
How long ago did you contact them? and did they tell you when you should receive your refund on what you paid to them?

You could contact the Claims management (MOJ) and see what they suggest, try ringing them in office hours, explain the problem and see if they can do anything to help on this.
Good luck.
http://www.justice.gov.uk/global/contacts/claims-management-regulation/index.htm

di3004

Flump74 wrote: »

Hi all, just wanted to register & thank you for giving me the motivation to make a claim against Egg for mis sold PPI on a loan.

Long story short, original Egg loan in 2002 & topped up in 2004 which completed last year. PPI front loaded from the start. Sent a letter disputing the PPI with copies of the original loan agreements to Egg in May.

Received 2 standard letters from them - the first acknowledging my complaint, the second after 1 month with information that my claim was still being investigated.

Got home today to find 2 more letters from Egg - the first opened informing me that they were still investigating my claim. The second opened contained a cheque for £6439.41 :rotfl:

Many thanks to all, if it were not for this forum I would not have had the information needed to get this done - so big thumbs up to you all :beer:

Good luck to everyone else!

Brilliant :T:j well done and Congratulations!:beer:

LynK_3

Good news, well actually very good news and bad news today.

Bad news first.
My D Perkins card PPI that had been rejected by Santander. I have sent complaints of to the FLA but as i read on here they are pretty useless I got the info for the underwriter of the FOS and sent the complaint to them. Got a reply today from a company called Genworth Financial saying the policy was not sold by them. Called the FOS and they told me to forward all the details to them as they are associated with Financial Insurance Co Ltd. So this looks as if it's going to be a long drawn out process.

Good News
Letter from MBNA upholding the complaint on my husbands credit card. Yeooowwww!
Total Amount PPI £666.95
Total Amount Interest £1198.67
Total Amount of 8% Interest £37.28
Total amount payable £1902.90

I am absolutely delighted, ~I did think they would take the amount of the outanding balance as its in a payment plan but the have said A cheque will be sent to you in the next 28 dys.
Please tell me they can't change their mind and take it of the outstanding balance.
They have moved very quickly on this one all because I emailed the CEO regarding getting no response from them 2 weeks ago aqnd this is the result.

Thank you so much for everyone on heres help without you I just wouldn't of had the first clue how to go about it!

di3004

LynK wrote: »

Good news, well actually very good news and bad news today.

Bad news first.
My D Perkins card PPI that had been rejected by Santander. I have sent complaints of to the FLA but as i read on here they are pretty useless I got the info for the underwriter of the FOS and sent the complaint to them. Got a reply today from a company called Genworth Financial saying the policy was not sold by them. Called the FOS and they told me to forward all the details to them as they are associated with Financial Insurance Co Ltd. So this looks as if it's going to be a long drawn out process.

Good News
Letter from MBNA upholding the complaint on my husbands credit card. Yeooowwww!
Total Amount PPI £666.95
Total Amount Interest £1198.67
Total Amount of 8% Interest £37.28
Total amount payable £1902.90

I am absolutely delighted, ~I did think they would take the amount of the outanding balance as its in a payment plan but the have said A cheque will be sent to you in the next 28 dys.
Please tell me they can't change their mind and take it of the outstanding balance.
They have moved very quickly on this one all because I emailed the CEO regarding getting no response from them 2 weeks ago aqnd this is the result.

Thank you so much for everyone on heres help without you I just wouldn't of had the first clue how to go about it!

Well done on your good news :T Congratulations!:beer:

brandyboy_2

h0pusp0pus wrote: »

wow thats fantastic news well done it totaly bewilders me with how they work out these refunds i thought with a £11000 payout that your balance you borrowed would be alot higher? going by other peoples pay outs for instance with my mbna card i had a £5000 balance on it and took out the card in about 2004 but got only £1300 when going by what you were refunded shouldnt mine of been more like £5000?? it worries me that ive excepted my refund but it wasnt actualy what i paid out in ppi and ive only got a % of it back :S

This is exactly what I am worried about. I've recently had my complaint upheld in my favour and have had figures through, which were lower than I was expecting. I've had the credit card since 1998 and my current balance on it is £4,800. They have offered me: £2,339 for refund of PPI premiums, £748 for interest associated with PPI premiums and £168 for total amount associated with 8%. I asked for a breakdown of the figures and they do go back to 1999 (when they say the policy started) but I am not sure if this is right. Please help someone!!

Dizzywithmoney

Hi - been away for a couple of days so not been on but anyway HSBC have actually paid the amount directly into our bank today just a week after us receiving the offer and returning the acceptance slip so thats brilliant!!

With regard to my husband's Black Horse car loan that they couldnt possibly find (think I might have logged this on the other thread - sorry if I have) because we didnt have the agreement number and then HSBC found it for us on our old internet bank statements, well I e-mailed Black Horse with this agreement number and low and behold they found it!!! Anyways they replied stating that they had found it and would write to him in a few days, so I dont know if thats good news or bad. What do you all think?

Can I also ask, as I said earlier, I have been away for a couple of days and came back to a slip for a registered letter that I need to pick up from the post office tomorrow. Its addressed to me and my husband and I cant for the life of me thinkk what it might be - do any of these companies send out any of the letters (or even better cheques I am keeping everything crossed without first telling you what you are getting) registered post? I am so intrigued and cant wait to go and pick it up tomorrow but am telling myself not to get excited as it might be just something that I have forgotten about and not to be disappointed cos it will be something not exciting at all.