PPI Reclaiming successes and failures

hellosunshineboy

dander wrote: »

Hello everyone - just wanted to report in with my huge success today. Letter arrived from RBS today about my claim for PPI on my Mint card. Got an offer of just over £6.5k which I'm more than delighted with! :j

It was actually incredibly smooth and easy - I used the templates here to send the claim a few months back. Had a few letters in that time saying "sorry for the delay, we're still looking at it" kind of thing. Finally got the offer today with no quibbling and while they were at it they calculated what I'd get back in terms of excess fees as well and did the whole lot as one payment. A huge amount of the offer is made up of "compound interest" as the PPI dates back to when I opened the card in 2002.

Would never have claimed if it wasn't for this site and all the clear information. Thanks so much! :T

congrats!!:T:T it looks like RBS are starting to dish out a few payments of late, fingers crossed mines not to far away, submitted 24th of May. heres hoping!

Niggly_2

amersall wrote: »

But they would not have told you that this was only covering you for 5 years.

Not as corrupt as Norton.
:rotfl::rotfl:

I will get back to you with a list as long as your ARM as to why front end load SP are 99.9 % miss-sold. They have been outlawed and the FOS have upheld 90% plus FP cases. Its me sons 18th today but I can respond Sat.

N

themass

Cheers Niggly all the ammo will be used.

jshewitt

Last year I referred to Martins moneysaving site for where to buy my holiday currency. I chose Crown Currency and lost £700 as the company went bust the day I was meant to receive my dollars in the post :-( on a happier note though, I stuck with Martin and used the letter templates to claim my PPI to my credit card. Today RBS have offered me £598 which I'm now considering is a replacement for what I lost with Crown currencies. You win some, you lose some! :-)

klflosser

Scotty1.7 wrote: »

Seems some ruling has come out that is now allowing the banks to have 16 weeks to respond to the PPI complaints due to the volumes- Accroding to the Co-Op Bank?????!!!!!


Anyone else heard this>

I think quite a number of the banks have been given extensions to deal with the volume of complaints. I rang Opus today and they said they had been given 16 weeks to deal with theirs and I should get a response by 31st August. Mine went in January and placed on hold due to JR.

tifosi

jshewitt wrote: »

Last year I referred to Martins moneysaving site for where to buy my holiday currency. I chose Crown Currency and lost £700 as the company went bust the day I was meant to receive my dollars in the post :-( on a happier note though, I stuck with Martin and used the letter templates to claim my PPI to my credit card. Today RBS have offered me £598 which I'm now considering is a replacement for what I lost with Crown currencies. You win some, you lose some! :-)

Err..........

How did you buy the currency?

Was it debit card or credit card?

If it was credit card you can put a claim in to the card company via Section 75 of the Consumer Credit Act to get them to refund your losses (a friend of mine put a £400 credit card deposit on a £25,000+ kitchen (yes, 25k on a kitchen!) and after a LOT of grief, the card company refunded the LOT!)

Even if it was debit card, if its was a Visa debit card you can often claim back from that (I did on a car deposit from a dodgy firm - £1.5k!)

HTH

dirty_monkee

Me and my partner have a PPI on a Mortgage although i have not signed my part of the document. Can we claim to get it back?

Also another bank tells me i agreed to PPI when i had a loan arranged, i felt i were pushed into it.. can i still claim against this one?


Thanks

Piglet36

Thought there was something like that about front loaded PPI.... be nice to see the 99.9% reasons why these banks are dodgyly applied them

di3004

dirty_monkee wrote: »

Me and my partner have a PPI on a Mortgage although i have not signed my part of the document. Can we claim to get it back?

Also another bank tells me i agreed to PPI when i had a loan arranged, i felt i were pushed into it.. can i still claim against this one?


Thanks

Hiya
Dunstonh will know how this works with Mortgage PPI, if you've not done so yet, please post on the link below/Separate thread I added, and title it "Mortgage PPI query/Help".;)
Good luck.
http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=169

Xanadu20

Have just spoken to Mint, as i hadnt heard anything for a while.

Passed around a bit and eventually spoke to some one who knew what was happening, they have sent a blind offer to FOS (what that is i dont no) but she couldnt tell me the amount.

Spoke to FOS redress team and they said they have recieved a massive amount of offers from RBS and are working through them in date order.

So good luck everyone, i hope yours in the stack.

On a side note, any one know how much PPI of £30 a month for the last 6 years on a credit card should come out around, ball park would be great, the card only has £500 on it so i guess i will get something back in cash.

Rich