PPI Reclaiming successes and failures

Lou.T_2

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

Congratulations Boycey :beer:

May i ask when you lodged your complaint and how much the loans where for - just so i have a rough idea of when we can hear SOMETHING from the horrid Halifax...!

Well done again !

citibird27

Sooooooooooooooper news!!!!!

M & S Money today...offering £2995!!!!!!!!!

Have to look at the details, but am s-o-o-o- excited, thanks to everyone here, who helped ( and continues to help) people like me, who were too timid to try on their own!!!!!

Yahooooooooooo!!!

Happy Bunny Citibird xx

di3004

citibird27 wrote: »

Sooooooooooooooper news!!!!!

M & S Money today...offering £2995!!!!!!!!!

Have to look at the details, but am s-o-o-o- excited, thanks to everyone here, who helped ( and continues to help) people like me, who were too timid to try on their own!!!!!

Yahooooooooooo!!!

Happy Bunny Citibird xx

Well done!!!!:j:T:j jumping for happiness and joy :j:j.
Congratulations!:beer:

I get the kicks with seeing all these successes, well done !:A

amersall

citibird27 wrote: »

Sooooooooooooooper news!!!!!

M & S Money today...offering £2995!!!!!!!!!

Have to look at the details, but am s-o-o-o- excited, thanks to everyone here, who helped ( and continues to help) people like me, who were too timid to try on their own!!!!!

Yahooooooooooo!!!

Happy Bunny Citibird xx

:T:T:T:TYaaaaaay :beer::beer::beer::beer:
whoopee doo:D:D:j

The_Marksman

citibird27 wrote: »

Sooooooooooooooper news!!!!!

M & S Money today...offering £2995!!!!!!!!!

Have to look at the details, but am s-o-o-o- excited, thanks to everyone here, who helped ( and continues to help) people like me, who were too timid to try on their own!!!!!

Yahooooooooooo!!!

Happy Bunny Citibird xx

:j:beer: SOOOOOOOOPER WELL DONE YOU :beer::j

LisaJH2000

Feel like Adrian Mole waiting for the giro!!!!

Had a claim upheld by MBNA, they stated 'we will send a cheque in 28 days'. I emailed them on 13th July stating that they hadn't sent the cheque within the 28 days. They were very apologetic and said they'd post ot that day and I should have it on 15th or 16th July.

So, 18th July and still no cheque!! I emailed again and was told it had definately been posted and to wait a couple more days.

20th July - still no cheque. I emailed again and asked that maybe they'd like to do a direct bank transfer instead because if they'd sent the cheque on 13th or 14th July it had obviously gone missing in the post. The reply came that if I'd not received it by Friday then they will 'review the options'

Today is 21st and no cheque came from Mr Postman! Anyone rate my chances for tomorrow's post?!!

boycey01

Lou.T wrote: »

Congratulations Boycey :beer:

May i ask when you lodged your complaint and how much the loans where for - just so i have a rough idea of when we can hear SOMETHING from the horrid Halifax...!

Well done again !

Thanks

I lodged one of the complaints early December last year and the other one was about 18th April this year.
Actually I have wrote a letter to Halifax today because the calculations don't look right to me :mad: i'm sure they've underpaid me!
The first loan was for £2500 and the PPI added to it was £411. I paid the loan off after 9 months when i got another loan with Halifax. So I would of had an early settlemnt figure. Well Halifax have only paid me £165.06 in refund of premiums, the rest is made up of interest. They haven't added any early settlement figure into the calculations!
The second loan was for £3650.00 and the PPI added to it was £919. I still had £700 outstanding on this loan. But again Halifax have underpaid me because they've calculated the refund of premiums is £621.70. Well there is no way that I still had £300 of PPI left on a balance of £700!! :eek:
Does anyone else think that doesn't sound right??:)

So do be careful and do check the calculations when you receive your good news

Good luck

nutty_nat

h0pusp0pus wrote: »

omg i have just had a phone conversation with a right numpty from santander!! after tryiing different automated options none of which would just let me make a general enquirey!!! i got through to a bright young lass i asked her who i need to send my sar request to and who i make the £10 cheque out to also she went quiet and then send a what request??? a sar request! a what request?? a SAR REQUEST whats one of them ? so had to explain to her what a sar is so she went away and out me on hold came back with an address that didnt sound right at all lol so then i said who do i make the cheque out to please silence again why do you need to write a cheque out!!??? :eek: jesus christ who are they employing in these places now a days???

so put the phone down phoned santander complaint department and she gave me the right address which was completely different to what the first lady gave me good job i checked!!!

I had exactly the same yesterday :mad: at santander the lady I spoke to didn't know what a SAR was and I had to explain it to her! I was slightly concerned by that!

di3004

LisaJH2000 wrote: »

Feel like Adrian Mole waiting for the giro!!!!

Had a claim upheld by MBNA, they stated 'we will send a cheque in 28 days'. I emailed them on 13th July stating that they hadn't sent the cheque within the 28 days. They were very apologetic and said they'd post ot that day and I should have it on 15th or 16th July.

So, 18th July and still no cheque!! I emailed again and was told it had definately been posted and to wait a couple more days.

20th July - still no cheque. I emailed again and asked that maybe they'd like to do a direct bank transfer instead because if they'd sent the cheque on 13th or 14th July it had obviously gone missing in the post. The reply came that if I'd not received it by Friday then they will 'review the options'

Today is 21st and no cheque came from Mr Postman! Anyone rate my chances for tomorrow's post?!!

How frustrating!:mad:

Did they say it was going to be sent by normal post or for it to be signed for?
Couriers for the Royal Mail can arrive at any time of the day, but I can understand your frustration.

Hope you receive your money soon x;)

Smamfer

jolfc wrote: »

I put a claim in with Halifax on 21st April, when I spoke to them on Friday they told me it was with the redress team. I have just logged onto online banking and there is £1,110 in my account credited by cash yesterday, I can only think this is from Halifax, :j:j:j:j:j, but I shall ring them today and double check before I pay my credit card off, oh happy days. :D

So chuffed to hear that Halifax are doing right by some of their customers for once!

I first wrote to them in January and again in march and again in may etc etc, Got the email sent to them friday and yesterday i got a phone call saying it had JUST been passed to calculations, so fingers crossed i hear something as quick as you did once you had the call!

Enjoy the wonga xxx