PPI Reclaiming successes and failures

marshallka

leanne-74 wrote: »

Hi There, recd my 2nd letter from lloyds yesterday refusing to refund my ppi. Letter stated they have been unable to reach a mutually agreed solution - however they will refinance the loan and remove the ppi and providing i have not made a claim against my loan protection - which i havent - i would get an insurance rebate which would be used to reduce the o/s balance on loan ! should i take to FOS and they have suggested this if i am still not happy.


(reason im doing it in the first place is i really needed loan - felt the ppi was forced upon me - my partner was out of work at that time, i was in a secure job - but the loan is in my name only so nothing to do with my partner)

thanks!

If this is their final response then you can now take this to the FOS. They should give you a rebate anyway if you cancel so they are not really giving you anything other than what they should. If this was missold to you then you would be put back into the position as if you never had the PPI so I would personally pursue this complaint with the FOS if you are able.

dorien

Clossina wrote: »

Hi everyone,

I have had letters from both of these companies, saying that they would be paying me out, as a gesture of good will. Although i had to go through the FOS for my Lombard Direct. They said it will take between 6-8 weeks to pay out. Thank you to everyone on this site who continue to write their success and failures. This gave me the strength to fight on especially when Lombard Direct refused to uphold my complaint. And a major big thank you to Martin Lewis without who, we would all still be getting robbed big time.
:money: :beer: :j :T :rotfl:

I had success with Lombard after going to FOS. They paid out within 3 weeks as I kept phoning them, stating we needed the money. So get onto them, when you owe them they want it immediately, so dont wait 6-8 weeks for them to give you YOUR MONEY back. Congrats on your success.

Obiewan

I would just like to say a massive thank you to all the team at Moneysaving .com we took a loan out back in 2004 with FIRST PLUS which was paid off last year ,after checking your excellant site and using the templates from your site we are delighted to say we have being successful with our claim. We are due over £13.000 plus intrest recived the letter today i am still smiling....... Fantastic a massive thank you Martin .



:money: :beer:

Update just to let you and the team know we recived our cheque today for over £18.000 pounds from First Plus A massive Great Thank You Martin and the team at MSE Merry Christmas.

:j :santa2: :xmassmile :T

soots_2

di3004 wrote: »

Wow this is fantastic and what an amount......:eek: :T :beer: :j .
Congratulations, this is one BIG WIN.......:D :T :beer: .

If you don't mind me asking was this just on one loan hun?;)

Well done to you, happy christmas !, time for you to celebrate hun.:beer:

Di
xx

Yes...just one loan....a big one I'm afraid!
Still... saving £200 a month on it now.... which helps a lot!!

Thanks again!

lostcount

jimbean82 wrote: »

i wrote my ppi reclaiming letter last monday 1/12/08 to HFC Bank and got a reply letter today 11/12/08 saying my case did seem like it was miss sold, and they will be giving me a full refund plus interest within 6 to 8 weeks

Nice Huh? all i sent was the template letter. Thanks Money saving expert!

Did you send your letter recorded delivery? We sent ours on the 24/11/08 and have not heard anything yet.
Which template letter did you use?
Thanks

marshallka

Obiewan wrote: »

I would just like to say a massive thank you to all the team at Moneysaving .com we took a loan out back in 2004 with FIRST PLUS which was paid off last year ,after checking your excellant site and using the templates from your site we are delighted to say we have being successful with our claim. We are due over £13.000 plus intrest recived the letter today i am still smiling....... Fantastic a massive thank you Martin .



:money: :beer:

And was that without going to the FOS too and have they said they will pay the £13K plus the interest....Loads are complaining to Firstplus but its always good to see someone win..:beer: :j

jimbean82

lostcount wrote: »

Did you send your letter recorded delivery? We sent ours on the 24/11/08 and have not heard anything yet.
Which template letter did you use?
Thanks

yes i sent two identical letters by recorded delivery, one to the birmingham hsbc address and another to the slough address

i used the template for the stage 1 letter
http://www.moneysavingexpert.com/redir/97d5cea5

marshyyouth

leanne-74 wrote: »

Hi There, recd my 2nd letter from lloyds yesterday refusing to refund my ppi.

How long did it take u to get your send letter?

clanger69

jimbean82 wrote: »

i wrote my ppi reclaiming letter last monday 1/12/08 to HFC Bank and got a reply letter today 11/12/08 saying my case did seem like it was miss sold, and they will be giving me a full refund plus interest within 6 to 8 weeks

Nice Huh? all i sent was the template letter. Thanks Money saving expert!

Hi Jimbean

Do you have the address you wrote to at HFC as i've wrote twice with no reply to either letter?

Well done for having such a quick response!

Obiewan

marshallka wrote: »

And was that without going to the FOS too and have they said they will pay the £13K plus the interest....Loads are complaining to Firstplus but its always good to see someone win..:beer: :j[/quote

Thanks and keep it simple only used the first Template letter and based my claim on the PPI , we were never given the option but now its seems its optional when you check out First PLUS website. We did not need FOS First Plus were very quick to reply. We Wish everyone the same sucesss if you need a copy of my lettter please get in touch.

Geoff and Denise Taylor
:money: