PPI Reclaiming successes and failures

The_Marksman

Slimming-world wrote: »

If you have proof of ppi paid previous to 6 years then you can put them in and ask them to reconsider

I havent got anything as proof [/QUOTE]

prob a stupid answer, but can you go into your local branch and ask them to give you statements for back then.

over the phone my bank could only go back 6 years, but a friend of mine said go into your local branch and they can give you all the info from when you opened your account which they did to 1993 for me

The_Marksman

h0pusp0pus wrote: »

hi guys just to let you know i finaly received my £4000 refund from hfc through a direct bank transfer it took exactly 14 working days ive now completly paid off my abbeys credit card and closed the account such a relief still waiting to hear from egg about dating the refund further back and also santander regards my evidence of no national insurance being paid when taking out the burtons menswear card i phoned them last friday and they claimed it hasnt been scanned on to their computer yet

:j:beer: WELL DONE YOU :beer::j
BRILLIANT NEWS
;)MY FINGERS ARE CROSSED FOR YOUR OTHERS, ESPECIALLY EGG

di3004

stoutman5 wrote: »

Hi all,
Further to my uphold letter received by LLoyds TSb last week with regard to my credit card, can someone out there explain how they have broken down the figures?

Our proposed offer has been calculated as follows:

1/ We've reconstructed what the balance of your credit card account would have been without PPI, by removing any PPI premiums and any interest or charges in respect of those premiums. This totals -£2,219.38

2/ We've calculated the difference between the actual current balance and the revised balance, totaling £4,916.45

3/ If that produces a credit balance for any period, we then include credit interest on that balance for the relevent period at the rate of 8% simple interest per year, totaling £335.29

Total proposed offer = £5,251.74

At the time of my complaint, the balance on the C/C would have been approx -£3,000.
I'm very happy with the offer, but just a bit confused as to how..

Thanks to all..

Well done to you, that is absolutely fab :T:j Congratulations.

I understand credit card ppi works out a little different to that of loan ppi, maybe amersall would be better than explaining this part to you, but below also check on how the FOS calculates ppi refunds, minus the further redress compo (as the further redress compo) is generally if its gone as far as the FOS which then causes distress and inconvenience, but hope this info on the link below is of some help for you.;)
https://forums.moneysavingexpert.com/discussion/1596473

di3004

h0pusp0pus wrote: »

hi guys just to let you know i finaly received my £4000 refund from hfc through a direct bank transfer it took exactly 14 working days ive now completly paid off my abbeys credit card and closed the account such a relief still waiting to hear from egg about dating the refund further back and also santander regards my evidence of no national insurance being paid when taking out the burtons menswear card i phoned them last friday and they claimed it hasnt been scanned on to their computer yet

Hiya

Well done and Congratulations honey !:beer:

I hope you hear from them soon, hopefully they will all follow on now.
Are you still waiting for details from the HMRC?

Lou.T_2

Rae115 wrote: »

the post man finally came at 1pm but nothing for me-boo hoo

so i called halifax to find out whaats happening - they said waiting more info to take to stage 2.??????

Does anyone know what this stage 2 is??

Rae - thanks

Hi Rae115,

Can i ask when you put your claim in, we sent ours in February 2011, 2 for loans from 2002 & 2004 and one for MPPI from 2005-2009, like you we are awaiting the postman's delivery....

all the best of luck to you and everyone else and here's hoping we get our redress!

Rae115

the_marksman wrote: »

it will come! Very soon!! Dont give up :d;)

stage 2, is when they pick it up and hopefully write that cheque!

yeah !!!come on stage 2:d

Rae115

Lou.T wrote: »

Hi Rae115,

Can i ask when you put your claim in, we sent ours in February 2011, 2 for loans from 2002 & 2004 and one for MPPI from 2005-2009, like you we are awaiting the postman's delivery....

all the best of luck to you and everyone else and here's hoping we get our redress!

Thanks it was on the 25th May - so only the other day. but had 2 letter within days saying they would ook into and allow 8 weeks and then about 2 weeks later saying 16 weeks from date complaint recvd.

i thought they would say no to the mppi immediately so quite chuffed still with them - as they say no news is good news.

good luck with yours too

The_Marksman

Rae115 wrote: »

Thanks it was on the 25th May - so only the other day. but had 2 letter within days saying they would ook into and allow 8 weeks and then about 2 weeks later saying 16 weeks from date complaint recvd.

i thought they would say no to the mppi immediately so quite chuffed still with them - as they say no news is good news.

good luck with yours too

i strongly agree with the no news is good news

best of luck

Smamfer

Hi Guys,

Sorry to have to ask this but i promise you i have looked and looked on this thread and others for this info but could someone please help me with.....

The email address for ge money, this is for a Debenhams card i had and it says GE money at the bottom but also says Lloyds Tsb at the side,,,,

The other one is capital one,

Many Many thanks in advance xxxx

The_Marksman

Smamfer wrote: »

Hi Guys,

Sorry to have to ask this but i promise you i have looked and looked on this thread and others for this info but could someone please help me with.....

The email address for ge money, this is for a Debenhams card i had and it says GE money at the bottom but also says Lloyds Tsb at the side,,,,

The other one is capital one,

Many Many thanks in advance xxxx

not sure, but this may help .............. http://www.!!!!!!/