PPI Reclaiming successes and failures

amersall

haydens_mum wrote: »

Hi am looking for a bit of help...have had some success from capital 1 after initially being told outright 'no refund of ppi final response' on my OH card. He has had the card since 04 and apparently 'asked' to have ppi added in a phone call to activate a replacement card. I emailed to say that didnt accept this as he was serving in the army and would have been no use to him and why woud he ask to have it added at a kater date while still a soldier?! anyway after ringing again to actually cancel his PPI was told an offer letter had been sent. This also crossed over with the SAR request we sent to prov this phone call.

Anyway i wonderd if you think this offer is fair as hes been payin PPI on a 2-3k balance since december 05. Letter says:

Total redress consiists of
£683.61 in premiums
£24.09 in associated interest
£152.67 8% statutory interest
TOTAL: £860.37

Does that sound about right or should we wair for the SAR details so can go through and add up what he has paid for ourselvs ir take it and be happy that he got something when they orrigionaly said no??!!!

Any advice would be much appriciated!
Charlie.

Well done on your win :j:j
How long ago did you ask for SAR? it may be worth waiting for this.

amersall

kawasakiz900 wrote: »

to all you people with ppi get your policy number talk to the ombusmans office they will help you all the way do not make the same mistake as i did first time round do not use brunel franklin or the likes they only ripp you off they do no work at all for there money you end up talking to the ombusman these companys tell you they do every thing but believe me they dont but when its comes to there money they will chase you & hassle you & make your life complete hell i now have had to employed a solicitor to try & sorte them out these people are low life scum & should be avoided they are 1000% worse than the banks

You are right about claims companies,you can claim with the help from this site for free.

haydens_mum

amersall wrote: »

Well done on your win :j:j
How long ago did you ask for SAR? it may be worth waiting for this.

Hi Amersall,

thankyou very much as i thought it would not happen!lol its showing as they signed for it on the 15th so only a week ago so i was thinking of waiting and seeing what they send through! I thought he had paid more than this on PPI and thats based on an average of £20 a month for 66 months = £1320 and thats rough as some months its been almost £3o on a card at 30% interest. :huh::huh::huh:

di3004

Derwent wrote: »

Got a call earlier from HSBC to say my claim has been upheld :-)

The guy couldn't tell me the value though as it had been passed through to his manager for authorisation and they're not allowed to tell you how much until the calculations have been checked and authorised. He's ringing back on Monday morning to confirm the amount.

Well done and Congratulations!:T:beer::j

di3004

Scotty1.7 wrote: »

Quick update from me- got asletter back from MBNA(Virgin) 28 day response letter looks fairly standard or is that good news?

Hi

Wishing you luck and it is a stantard letter, but hopefully there will also be some good news to come afterwards too, fingers crossed.;)

di3004

haydens_mum wrote: »

Hi am looking for a bit of help...have had some success from capital 1 after initially being told outright 'no refund of ppi final response' on my OH card. He has had the card since 04 and apparently 'asked' to have ppi added in a phone call to activate a replacement card. I emailed to say that didnt accept this as he was serving in the army and would have been no use to him and why woud he ask to have it added at a kater date while still a soldier?! anyway after ringing again to actually cancel his PPI was told an offer letter had been sent. This also crossed over with the SAR request we sent to prov this phone call.

Anyway i wonderd if you think this offer is fair as hes been payin PPI on a 2-3k balance since december 05. Letter says:

Total redress consiists of
£683.61 in premiums
£24.09 in associated interest
£152.67 8% statutory interest
TOTAL: £860.37

Does that sound about right or should we wair for the SAR details so can go through and add up what he has paid for ourselvs ir take it and be happy that he got something when they orrigionaly said no??!!!

Any advice would be much appriciated!
Charlie.

Congratulations on your success,:T:beer::j

di3004

Xanadu20 wrote: »

Ha, thanks, it was more about if they include interest at the rate i was paying it on the card, if that makes sence.

So my CC was 18% would i get that as well as the 72 x 30 and 8%. havent really seen to many posts reference Credit cards

Rich

Hi Rich as Niggly says :j:T:beer: Wow, that is fab!

Cheers Niggly, we were almost there lol.:D;)

di3004

precious12 wrote: »

i received an email from lloyds with that statement in june what does that mean it is so frustrating having to wait so long i have been waiting since october 2010 and have now started emailling them once a week

congrats to all those successfull claims so far:beer:

Hi, have you also emailed Lloyds CEO?
If not do this and also copy/send the email to the usual Customer Care team as well, tell them you're aware that some have been paid out from complaints made even after you made yours, good luck.;)
[EMAIL="antonio.osorio@lloydsbanking.com"]antonio.osorio@lloydsbanking.com[/EMAIL]

[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]

di3004

citibird27 wrote: »

Good luck, Di...you really deserve it!:A

But, really it's not on that your wait should be so long...can you imagine the banks waiting that long for an outcome???:rotfl:xx

Thank you, and I am infact sending a SAR request to the FOS,

Cheers honey x;)

di3004

hymerians wrote: »

Thank you Martin
We completed your online form and forwarded this to the Insurance Company, they forwarded a form which we duly completed.
Today we have received a letter stating they are giving back the total amount we paid and also 8% interest.
We hope to receive the amount of £2717.00 shortly.
Many thanks and for those unsure about reclaiming, you have nothing to lose.

Well done :T:j & Congratulations!:beer: