PPI Reclaiming successes and failures

The_Marksman

Kingerem1 wrote: »

I'll try that too then.

I sent my questionnaire off on the 9th June. I had a letter back saying they were sorry I had reason to complain and that they would look into it. I then received a letter dated 30th June stating that my claim had been rejected as it was Egg's policy not to refund beyond 6 years and that I could go to the FOS if I wished.

My initial loan was taken out in 2003 and was refinanced in 2004 and I made the last payment in Jan 2010. I actually paid 2 amounts of PPI and didn't receive any details about a rebate of the PPI on the initial loan so have reason to believe that I was actually paying both till Jan 2010 when the loan was paid in full!

I rang them to say that yes the PPI was applied more than 6 years ago but I was infact paying it until Jan 2010 WITH interest. With this they said that they would 'review' my claim. They couldn't tell me how long roughly that would take and that was it. So I have no idea if they are actually 'reviewing' my claim or just wasting my time really!

ive had a letter to about the 6 year policy but mine was from 1999 and paid off 2000 so if what they say is correct they win.... boo

but yours is well within 6 years ending in 2010 i would have thought. i also had a loan with egg in 2002 ending 2007 which they upheld and both reasons on my two loans for mis-sell were the same so it seems they are not being very fair or consistant with their investigations or reasons to reject complaints

computerbuddy

Well done Mandy1cat. you have the warm fuzzy feeling i see. Lol Well done!! xxxxxxx

IANC

mandy1cat wrote: »

The lovely Nerys phoned as promised... the number crunchers are doing their stuff to calculate what they need to cough up with regards to credit card PPI dating back to 1999 through to end 2005 (hopefully the whole period - based on PPI on balances varying between £2k and 10k)... should get details by end of next week... what's another week when you've been waiting since last November???

COMPLAINT UPHELD = WARM FUZZY FEELING

This could be an interesting one.

Hopefully it will be £££££s.

computerbuddy

Nerys sounds like a lovely person, she is most definately on the customers side. Give her a star award!

The_Marksman

IANC wrote: »

This could be an interesting one.

Hopefully it will be £££££s.

hey is that my bird in your picture! the cheating flipper! lol :rotfl::rotfl:

The_Marksman

computerbuddy wrote: »

Nerys sounds like a lovely person, she is most definately on the customers side. Give her a star award!

im going to take her out for dinner! pmsl PPI upheld heaven awaits:rotfl::rotfl:

Munro_Bagger

Posted on behalf of my OH - offer received today;

• What were you reclaiming: Loan PPI

• Who was the provider: Nationwide

• How much did you get back: £737.81 PPI + £314.76 8% interest total = £1,052.57

• Did you get it back after a letter or did you go to the Financial Ombudsman: PPI questionnaire sent 10/05/11

• And then write your brief reclaim tale: Many thanks to all of those that provided much needed support and advice on this fantastic forum. The amount has wiped out all debt with this provider! Three complaints upheld to date - another one in the system (fingers crossed).

IANC

The_Marksman wrote: »

hey is that my bird in your picture! the cheating flipper! lol :rotfl::rotfl:

Only if you is a batty boy. He was called Davey IIRC

I just figured Friday was Dolphin pic day

Reminds me of happy times and I have that Crunchy feeling.

Munro_Bagger

Oh, and I meant to mention that my OH has just spoken to NRAM (about his other PPI complaint, which was upheld and accepted on 30/06/11). NRAM advise there is a minimum 6 week delay in crediting PPI amounts.

The_Marksman

Munro_Bagger wrote: »

Posted on behalf of my OH - offer received today;

• What were you reclaiming: Loan PPI

• Who was the provider: Nationwide

• How much did you get back: £737.81 PPI + £314.76 8% interest total = £1,052.57

• Did you get it back after a letter or did you go to the Financial Ombudsman: PPI questionnaire sent 10/05/11

• And then write your brief reclaim tale: Many thanks to all of those that provided much needed support and advice on this fantastic forum. The amount has wiped out all debt with this provider! Three complaints upheld to date - another one in the system (fingers crossed).

:j:beer: Well Done You :beer::j