PPI Reclaiming successes and failures

di3004

phoenix80 wrote: »

Does anyone have any idea of the time scale for NRAM to put money into the bank?

We got our offer letter on July 12th and sent our signed acceptance back the same day.

Hiya

Banks can differ from one to the other, some can take 7 days, or even 28 working days as from the date they receive your signed acceptance, give them a call and they should be able to confirm, good luck and well done to you.:beer:

di3004

unittj wrote: »

Tommorow is the day that black horse are sending out my offers on 8 loans, They have been with the calculation department since last tuesday, i hope they kept them so long because the figures were too big to work out :D

Good luck to everyone next week

Fantastic :T that will be a fair bit then, Congratulations!:beer:

tifosi

Ellie502 wrote: »

Hi, I took out a £2,000 Buy Now -Personal Loan from Lloyds TSB back in 2003.
And i have only paid it off late last year.



I felt years ago that it should of been off a few years ago, and i phoned them to ask how much was left owing on the loan and they said £1,000... I couldn't believe it. But did nothing about it.
I had worked it out that i was paying back for more than double the amount of how much the original loan was worth.

NOTE- On my original contract which i'd kept it didn't state on it how much i would be paying back overall for the loan which included the cost of the insurance as well... And this was the point which i contested over eventually, and won with i feel.

It wasn't until i went onto this website middle of 2010 that i saw that people like me who felt that they had a case of challenging the banks who had mis-sold them a loan.

I checked the checklist on here to see if i was eligible to make a claim, and i thought i was.
So i printed out a copy of the template provided from this website, i filled it out and then posted it off to Lloyds bank.

Over the following 3 months i received a couple of letters from Lloyds saying they'd received my letter and saying that someone would be in touch.. Then another month an a half went by then another letter arrived saying they were waiting for the outcome for the banks of what was going to happen in the courts. When they knew the outcome they would get back in touch.

And then last month June 2011, i received a letter from them, this time saying that if i didn't contact them and contest, that they would pay me £2,334 and put it into my account.
The letter contained no apology at all, it was very 'matter of fact' and 'business like.' I didn't reply back as i happily agreed to receiving my 'sneakily taken' money back.

I didn't think to be honest that Lloyds would pay me what i felt they took from me, but they did and i was very pleasantly surprised and felt overjoyed..


Thank you, thank you, thank you 'Money Saving Expert' for offering the tools and advice for people like me, for which i wouldn't have known what else i could have done in raising my concerns about the loan which i was sold.

Best Wishes to everyone who was, or who is in my boat.
Becky

:T

:cool:

di3004

fight_the_power wrote: »

Hi Di i have not been on here long but would like to wish you a belated Happy Birthday and thanks for all your help as did not have a clue when i first came on here all the best

Aww thank you so much indeed, how lovely of you. And your most welcome.:A x

di3004

eurobell wrote: »

i have had the card since 2003 . i have a bit of arrears but i am on a dmp for my credit cards and am doing well on it,i have cleared one card already. to get £6,282 in a cheque would be goo. i will ring them tomorrow. thank you for your help.

Well done to you.:beer:

di3004

vanilla8 wrote: »

Well after watching Martin on Watchdog in early June my DH said he had a 5 year loan back in 2004 which he was told at the time he could not get without the PPI. This was with NRAM. So i decided to act!

• What were you reclaiming: 10k Loan with 3300 PPI paid
• Who was the provider: NRAM
• How much did you get back: £4735.91
• Did you get it back after a letter or did you go to the Financial Ombudsman: Sent a letter 15th June, received a letter in 14 July saying they are still looking into it. On Thursday (28th) we got an offer letter :j

Will be sending of the acceptance letter tomorrow :beer:
Thanks Martin and everyone here!

Fantastic:T Congratulations!:beer:

di3004

Ellie502 wrote: »

Hi, I took out a £2,000 Buy Now -Personal Loan from Lloyds TSB back in 2003.
And i have only paid it off late last year.



I felt years ago that it should of been off a few years ago, and i phoned them to ask how much was left owing on the loan and they said £1,000... I couldn't believe it. But did nothing about it.
I had worked it out that i was paying back for more than double the amount of how much the original loan was worth.

NOTE- On my original contract which i'd kept it didn't state on it how much i would be paying back overall for the loan which included the cost of the insurance as well... And this was the point which i contested over eventually, and won with i feel.

It wasn't until i went onto this website middle of 2010 that i saw that people like me who felt that they had a case of challenging the banks who had mis-sold them a loan.

I checked the checklist on here to see if i was eligible to make a claim, and i thought i was.
So i printed out a copy of the template provided from this website, i filled it out and then posted it off to Lloyds bank.

Over the following 3 months i received a couple of letters from Lloyds saying they'd received my letter and saying that someone would be in touch.. Then another month an a half went by then another letter arrived saying they were waiting for the outcome for the banks of what was going to happen in the courts. When they knew the outcome they would get back in touch.

And then last month June 2011, i received a letter from them, this time saying that if i didn't contact them and contest, that they would pay me £2,334 and put it into my account.
The letter contained no apology at all, it was very 'matter of fact' and 'business like.' I didn't reply back as i happily agreed to receiving my 'sneakily taken' money back.

I didn't think to be honest that Lloyds would pay me what i felt they took from me, but they did and i was very pleasantly surprised and felt overjoyed..


Thank you, thank you, thank you 'Money Saving Expert' for offering the tools and advice for people like me, for which i wouldn't have known what else i could have done in raising my concerns about the loan which i was sold.

Best Wishes to everyone who was, or who is in my boat.
Becky

That is great Becky, great work :T & Congratulations!:beer:

Dizzywithmoney

Happy belated birthday Di - sorry I missed but was busy with 2 little tots!!

Hope you had a brilliant day!

di3004

Dizzywithmoney wrote: »

Happy belated birthday Di - sorry I missed but was busy with 2 little tots!!

Hope you had a brilliant day!

Thank you honey, so lovely of you.:beer::AX

LOL, no worries hon I understand lol.:D;):)

Scotty1.7

feeling quite sick about mine

Still within the 28 day period for MBNA(Virgin) and I'm trying to find out if the Co-op are being sly with the 16 week ruling, seen as it is not on the FSA sight any were and I only have the word for it.