PPI Reclaiming successes and failures

di3004

BobbyMcDougall wrote: »

Reading the successes here gives me hope that I may be succesful with my claim too!#

Well done everyone. :T:T:T:T:T:T:T

Fingers crossed Bobby :j;)

di3004

Rae115 wrote: »

Di hi - when i found this website i queried a couple of things with you and everyone else - this is just a really really really big thanks to all of you.

I didnt have ppi on my BHS credit card however i did get a few charges - so i took martins advise. I didnt ask for an amount i just asked for all charges back on the 13th July.

Received a letter today with a list of all charges and them saying they will take the £580 off my balance.

So yippee - happy days.

Again you guys are the best and good luck to all.

Your very welcome Rae.:A

Well done to you and Congratulations!:beer::A xx

di3004

h0pusp0pus wrote: »

morning guys my girlfriend has heard back from little woods this morning turning down her claim :mad: it basicly says

all info regards ppi was sent to you to read and check that it was suitable for you and you had a chance to canel it at the time

it was a multipurpose policy and it would still cover her on other benifit other than unemployment

you stated you were unaware that you you didnt have to have the ppi or indeed had it but this is not a loan it is a home shopping account the cost was explained premiums added and statement sent to you every 28 days showing this since 1997

as i have found no evidence of any failure in providing you with the correct policy information at the start of the policy and that you are still eligible for cover by extra care i am unable to uphold your complaint

this are our final responce but you can take it to the fos however due to the rules and restrictions fos are required to follow and as your policy was sold before 22md of december 2003 it is our understanding that fos may not be able to adjudicate on your complaint as we were not a member of a dispute resolution service until this date

mmmm not taking it lieing down though!!! my claims has taught me that

has anyone had any luck reclaiming from little woods?

any suggestions please or advice on where i go from here with it ?

Hiya

Doh so sorry to hear that!:mad:

My point here is even if it may have covered for something, why pay out for something that does not fully protect what it should.

Its a fob off in my opinion and because they were not likely to be regulated by the FSA when this was taken out, they think there is no other direction to go, but I would still call the FOS anyway, who will possibly suggest the underwriter/insurer avenue.

The FOS have suggested this direction for ones in the same position, I am one of them, it's taken some time but it will get there eventually.

Do not give up though, you could write back and tell them even if the FOS are unable to investigate you still have other avenue's to take this and you do not agree with the decision, even if the policy covered for one thing - why should you pay out for this if it does not fully protect, worthless!

Good luck and please let us know how you get on x;)

amersall

Smamfer wrote: »

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j

Morning guys,

First of all

THANK YOU

OK right here goes

Just checked my Halifax credit card balance online whilst checking other stuff and noticed my balance has dramatically changed.

But i dont know if its enough, which i know sounds greedy but will check it out

Basic run down for anyone still claiming.....

Letters from Jan , March,. May. June.
Email sent Friday 15th July
Phone call from email Monday 18th July
Money added onto credit card Friday 22nd July

From what i could make out from statements i had paid £349.00 in ppi payments from 2006 i cancelled it in Jan 2011. So it wasnt a massive amount compared to some.

Today i have just checked and they have paid...
Premium Refund = £392.34
APR Refund = £225.53
Rebate Refund = £4.12

Total £621.99

Don't get me wrong i am chuffed to bits my balance was £1469.88 and now £834.89 which is great news.

But if someone has the time could they maybe advise if this is the right amount and because they have paid it in do i have to accept the figure or am i able to go for more if i think .. I remember i think it was Ian or maybe someone else thinking it should be about £900

Anyway one happy lady here xxx and once again my big heart felt thank yous go to

Di
Ian
Amers
Marksman
And anyone else who has offered a reply when ive been bugging you all xxxxxx

I

BUG AWAY:p:p:p:p:p
Well done and was glad to help :j:j:j:j:j

amersall

Hello cappo where are you ???:p:p:p:p

Thank you very much for the credit :D:A
But :eek: i do not do calculations i know what the redress is for mis sell and can work some out but not the %
Given up with the 8% :rotfl:not my forte it seems :D

themass

Di, do you have any imput for my Norton claim,,, you may have to back a few threads, i want to nail this early.
Ste,
Niggly must still have a hangover lol.

amersall

themass wrote: »

Di, do you have any imput for my Norton claim,,, you may have to back a few threads, i want to nail this early.
Ste,
Niggly must still have a hangover lol.

Hi, Niggly will post at some point :D he knows a good deal about this and he will give you additions to be proud of,Di may have some input too.
Just hang on in there.

di3004

themass wrote: »

Amersall, Di, ive just noticed a small error with the paperwork, on the demands and needs statement it gives us figures for a single life cover etc and is signed by myself and my wife, however we took out joint hence both of us signing, and the figures for joint are completely different , when we settled we have statements which clearly shows original premiums for joint cover and these are what we paid , minor but interesting that they have the figures wrong, and why would we both sign for a single cover.

Hi

Is this the one you would like further input on themass?;)

That does seem odd, yet with some of my paperwork it didn't seem to all add up either, but as we used both a broker and a lender changes must have occurred during the process of the loan, as it was in 2004 I cannot recall on what happened though.

And like yourself even though the policy/ppi was signed by ourselves, that only covered my husband too.

I would see what Niggly has to say, who I'm sure will have some useful input on this.:)

themass

Cheers Di they also say they can not provide the recordings as the data is corrupt,,they say they did not provide any advice on the ppi,, oh yes they did treat it as a savings plan, my wife has underlying health problems with her thyroid and is classed high risk for breast cancer, it is rife in her family her critical health cover cost us a fortune.

di3004

themass wrote: »

Cheers Di they also say they can not provide the recordings as the data is corrupt,,they say they did not provide any advice on the ppi,, oh yes they did treat it as a savings plan, my wife has underlying health problems with her thyroid and is classed high risk for breast cancer, it is rife in her family her critical health cover cost us a fortune.

Makes you think doesn't it?

They are trying to get out of it, of course they provided advice the muppets!
Not only that, they should have upheld this anyway, with it being a front loaded policy, its highly likely the FOS will anyway, but it's not the point.
If they're unable to provide the copy of the recordings, there should be written transcripts of the sale and the questions and answers.
I would ask for them x