PPI Reclaiming successes and failures

citibird27

joshuacallum wrote: »

Hi there

Well Done:j:j:j with M & S, how long did you have your claim with them? I have one with them, still waiting..... 29th June received one of those letters saying they have until 31st Aug...:mad:

Well Done on your success:rotfl::rotfl::rotfl:

Hi There...
Although my claim started last September, it took the judicial review to move things along...started again with a questionnaire Mid May...so that makes it around 8 weeks...so depends how you look at it...9 months or 8 weeks...but hang on in there, fingers crossed!!:):)

LynK_3

LisaJH2000 wrote: »

Normal post I think Di, but it's not coming from far away so really shouldn't take this long to get here!

I am going to go mad it if doesn't come tomorrow!!

My husbands letter of offer was posted from MBNA on 8th July but we only recieved it on 21st July, almost a week later!
On Monday I emailed the MBNA ceo to thank him personally for looking into the complaint and to say we were looking forward to recieving the cheque within the 28 days as per the letter. Got an email from them last night saying it had been posted out yesterday.
Really hope mine comes tomorrow so I can get it lodged but not holding up much hope tbh, seems whatever system they use, letters can take up to a week to arrive.

Lou.T_2

boycey01 wrote: »

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

I'll definately be checking the calcs, its seems that most of the banks aren't understanding what '8% simple' interest means - or how to add! I have a spreadhseet at home that i roughly calculated from other's explantions on here and also on th FOS website, and i am going to post the figures up here so that the experts can advise if I have worked out right or am kidding my self at hoping for the amount I have calcuated back....
It's horrible to feel that you dont want to question their calculations in case the withdraw the offer when at the end of the day its our money!!
As they say !!!!!! Turpin wore a mask !

hellosunshineboy

Nero51 wrote: »

Just had a letter back from RBS, after the long wait they have offered £684. Just got to wait 28 days for payment now. Together with paying off all credit cards and becoming debt-free. This is turning out to be a good month

:beer: when did you submit your claim?? im waiting for RBS too!

di3004

Super_Slimmer wrote: »

OMG OMG OMG!!!

I have just recieved a letter back from NRAM and not only have they looked at the loan I wrote to them about they also linked it to a previous loan. End result is £8,364.27!!! I cant believe it sooooo pleased.

Now just need to wait another 28 days for the payment, but hey its on its way :j

All this has come from just sendng a questionnaire - do it if you havent!

Just waiting for a letter back from the Halifax now

A BIG WOW, well done and Congratulations!:T:beer::j

Good luck with Halifax x;)

di3004

citibird27 wrote: »

Thanks, Di...you have been a rock, Amersall, Cappo, Marksman and all the rest who supported...what a great group of people:D xx

Its our pleasure honey XXX:A:A

sooooooo chuffed for you x

tiesteelm

tiesteelm wrote: »

Finally.... after several phone calls, letters and emails I got through to someone at EGG for both my Credit card and Loan. Hopefully this has now set the ball in motion...

Happy from Liverpool

Well today I get two letters from EGG... first about my loan saying that they will be in touch in 8 weeks...

The second is from my Egg card. They say :
"Our online sales process:
Does not require you to take repayment protection insurance as a condition of the credit card.
Does not provide an advisory service.
Required you to positivly confirm that you wished to purchase this policy during the on line application.
Provided full terms and conditions of the policy and requested you to read them before submitting."

Can somone advise me what I should do now? The card was opened in 1999, is it upto me to prove this was the case at that time or them to prove it?? It was nearly 12 years ago....

Many thanks
Martin
:(

carlyberyl

Citibird when did you send off your complaint to m&s Hun?

IANC

Super_Slimmer wrote: »

OMG OMG OMG!!!

I have just recieved a letter back from NRAM and not only have they looked at the loan I wrote to them about they also linked it to a previous loan. End result is £8,364.27!!! I cant believe it sooooo pleased.

Now just need to wait another 28 days for the payment, but hey its on its way :j

All this has come from just sendng a questionnaire - do it if you havent!

Just waiting for a letter back from the Halifax now

Wow :j:beer:

Congrats and Enjoy

citibird27

carlyberyl wrote: »

Citibird when did you send off your complaint to m&s Hun?

Hi there Carlyberyl..

Started last Sep..but nothing happened until the judial review, then started claim process again in May...so not too long..( kind of!)...:)

If you have a claim...it looks as though there are speeding up their response times...:)