PPI Reclaiming successes and failures

i0b0xx

Well i had numerous companies contact me saying they could get me loads of money back, with a nice 30% profit for them! so i decided to do it myself!
FOllowed Martin's tips and sent the forms off to 3 companies (Egg, LLoyds TSB & Abbey)...so far i've had the two acounts settled with Egg for around £3,500 and i'm just awaiting decisions on the other two companies. It's coming up to the 8 weeks so not sure how much le-way i should give them!!

boycey01

Morning all,

Well today I received a letter from Halifax to say they have upheld my 2 loan complaints i had with them!! :j:j One cheque was for £336, that was for a small loan taken out in 2001. Then a few months later I took out a new loan to pay that one off and have some extra money. So for the second loan I got £1120 :beer: £700 has been deducted to pay off the rest of my loan, leaving me with a cheque for £420!

I'm a very happy bunny as I am now debt free for the first time in 10 years!! Yippee!!

Just waiting to hear about my Halifax Credit Card now, hopefully shouldn't be much longer as a couple of weeks ago I was told it is with the calculations team.:D

Thanks to this fantastic site and all the wonderful people on here that have helped along the way :T:A:T

Good luck to you all, i'm sure you will all hear some good news soon

di3004

i0b0xx wrote: »

Well i had numerous companies contact me saying they could get me loads of money back, with a nice 30% profit for them! so i decided to do it myself!
FOllowed Martin's tips and sent the forms off to 3 companies (Egg, LLoyds TSB & Abbey)...so far i've had the two acounts settled with Egg for around £3,500 and i'm just awaiting decisions on the other two companies. It's coming up to the 8 weeks so not sure how much le-way i should give them!!

Hi and welcome

And good for you too!:T:j Well done and Congratulations on your success :beer:
Good luck on the other 2, you can ring or maybe email to ask for updates. x

di3004

boycey01 wrote: »

Morning all,

Well today I received a letter from Halifax to say they have upheld my 2 loan complaints i had with them!! :j:j One cheque was for £336, that was for a small loan taken out in 2001. Then a few months later I took out a new loan to pay that one off and have some extra money. So for the second loan I got £1120 :beer: £700 has been deducted to pay off the rest of my loan, leaving me with a cheque for £420!

I'm a very happy bunny as I am now debt free for the first time in 10 years!! Yippee!!

Just waiting to hear about my Halifax Credit Card now, hopefully shouldn't be much longer as a couple of weeks ago I was told it is with the calculations team.:D

Thanks to this fantastic site and all the wonderful people on here that have helped along the way :T:A:T

Good luck to you all, i'm sure you will all hear some good news soon

Absolutely brilliant :T:j Well done and Congratulations!:beer:
And the best of luck on the other, I expect it will be another win x:);)

h0pusp0pus

h0pusp0pus wrote: »

ok another update ive just phoned santander and some to my case worker lol it get me more confused she said that she cant get any records up pre 2005 but their system apparently pulls all my premiums paid from 1996 to current date and thats how they have come up with the calculation of £296.45?????? so i said right so ive only been refunded for the last 6 years and she said no our computers have pulled the premiums from 1996 to current date erm so how comes its only coming up with £296 when i know ive paid more??? erm well if you have any evidence to show how much premiums to did pay from 1996 to 2005 then we can recalculate!!!

i only have records dating back to 2001 so what would be my best move please? if i send off a sar will they be able to provide me with info dating back to 1996?

i really dont get how they came up with £296 when they havent got any evidence pre 2005 so they have no idea how much i paid on the money i owed !!! im so confused!!

thinking about i i now see what they have done they have taken the evidence from 2005 where i only owed £4 on the account and the ppi i paid on that £4 ie 0.41 p and times the 0.41p by 14 years or something like that!!

i thin im going to send a sar off as i figure if my case worker has managed to see a copy of my original agreement then they must be able to have statements dating back that far also or at least a record of how much i owed and paid ect ect

does anyone have any details for santander please to send a sar off to and what i need to put in my letter to them?

many thans in advance

h0pusp0pus

also are they only obliged to only provide me with statements dating back 6 years or do they have to provide all information they have about my account??

boycey01

di3004 wrote: »

Absolutely brilliant :T:j Well done and Congratulations!:beer:
And the best of luck on the other, I expect it will be another win x:);)

Thanks Di,

and thankyou for your continuous advice and support along the way :A
I'm sure I will be needing it again in the very near future!

Still awaiting outcomes with Barclaycard and Capital One but didn't submit my complaints until end of May so I expect to be waiting a while. Although I just looked at my last letter from Capital One and I was due to hear from them today. I'm not holding my breath with them though after the way they have been behaving lately!!

moggy2009

justto say the cheque from nemo actually arrived so we can stop worying now well done to all winners:beer::money::money:

di3004

moggy2009 wrote: »

justto say the cheque from nemo actually arrived so we can stop worying now well done to all winners:beer::money::money:

Phew, that is fab Moggy!:j:T Congratulations!:beer::A

di3004

h0pusp0pus wrote: »

also are they only obliged to only provide me with statements dating back 6 years or do they have to provide all information they have about my account??

They should send all data/statements over the last 6 years, so basically from 2005, but some will still hold details for even longer x;)