PPI Reclaiming successes and failures

Riggsy1367

di3004 wrote: »

Diolch yn fawr :beer::D

Pobl y cwm!

Happy belated birthday Di!

smudger69

Hi, MBNA have just upheld my PPI complaint:j:j, how can I work out how much I can hope to receive? CC was at £12000, had this for 6 year.

Cheer for any help in this matter....

k77mss

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

well done hope it's lots and lots can i ask what was ur reasons for mis sold i've not had my two upheld this week and working on next move

di3004

Riggsy1367 wrote: »

Pobl y cwm!

Happy belated birthday Di!

Diolch yn fawr

Thank you :beer::A;) x

di3004

bonzey wrote: »

Hi all!

For the past year now (its taken this long ) so far! I went through HSBC to complain and claim back my PPI on a loan through them! as per usual i didnt get far! So i went the the FOS (Ombudsman) who was soooo helpful! Its taken about 9 months in total for a reply and the FOS always kept me updated! Yesterday i got a letter in the post from the FOS saying HSBC are willing to pay out a sum as a good will gesture! However it doesnt tell me the amount and it says if i am happy then to not contact the FOS and i will automatically get the payout! Of course i will phone the FOS to chase up and see what the amount is! Has any one else out there ever had a letter like this? Or know an amount?

Please post any comments! Thanks

Hi there

Well done on your success.:beer:

That is the annoying thing here - is not being told an amount, where I think everyone should have the right to know what the offer is before accepting it.
I would personally contact the FOS/the one dealing with your case and tell them you can only decide if you know what the offer actually is to know if you believe its fair to you or not.

If they state they do not know, then maybe you could ask if you could contact HSBC directly to let you know what the offer is perhaps.;)

Hope the FOS will check this out for you, good luck.

di3004

smudger69 wrote: »

Hi, MBNA have just upheld my PPI complaint:j:j, how can I work out how much I can hope to receive? CC was at £12000, had this for 6 year.

Cheer for any help in this matter....

Well done and Congratulations!:beer:

Maybe Niggly on here will check them out for you, hopefully he shall be here sometime tomorrow, but will require more details, of when you taken this out to settlement (if the account is settled and so on) I'm sure Niggly will let you know.

Good luck.

k77mss

amersall wrote: »

What reasons did you give for mis sell and was this the final response?.

If it was the final response then send it to fos,it may help if you can give more reasons for mis sell to add to the ones you have given.

thanks for the reply no it doesn't say anything about final response but it does say if iwant to contact him use number above it was from high level complaints suppose thats what i get for sending 2 emails to ceo! the orignal complaint was a letter and thought they would send me questionaire the reasons were
me having underlying health problems
said we didn't want it and told guy at time this
the reply on friday says more or less staff were fully trained and he asked us all the questions and we fully understood i know for a fact i would not say i had no underlying health problems.he also says wehad time to read over agreement and cancel it.
whats best for next move do i phone him or write suppose if i write i can keep copy for fos

di3004

k77mss wrote: »

no it doesn't say anything about final response but it does say if iwant to contact him use number above it was from high level complaints suppose thats what i get for sending 2 emails to ceo! the orignal complaint was a letter and thought they would send me questionaire the reasons were
me having underlying health problems
said we didn't want it and told guy at time this
the reply on friday says more or less staff were fully trained and he asked us all the questions and we fully understood i know for a fact i would not say i had no underlying health problems.he also says wehad time to read over agreement and cancel it.
whats best for next move do i phone him or write suppose if i write i can keep copy for fos

Hiya
I would then contact them again, in writing would be better if you want to, and tell them your not happy with the decision they made on your complaint, and are requesting they take another look and reconsider.
Tell them you believe this was overlooked and you don't think your full reasons were taken into any consideration.

Tell them the point here is if the staff were well trained then they would have discussed the medical issues with you and made sure that it suited your requirements and they obviously didn't, if they did then you would have been given an opportunity to make them aware that the policy is worthless to you, because you would not be able to make a successful claim on a pre medical condition.

I would also make a point that the paperwork was all jargon to you, and again if the staff were well trained they would have gone through this with you, yet they didn't.
And anything else you feel applicable to add of your reasons x;)

Footiemad_2

I have been awol from this thread for a little while (hangs head in shame) but just thought I would op on and say

HUGE CONGRATULATIONS TO ALL WHO HAVE HAD SUCCESS WITH THEIR CLAIMS...BIG or SMALL :j:j:j:j

Hang in there to everyone else who are waiting for their wins to come rolling in :D

di3004

Footiemad wrote: »

I have been awol from this thread for a little while (hangs head in shame) but just thought I would op on and say

HUGE CONGRATULATIONS TO ALL WHO HAVE HAD SUCCESS WITH THEIR CLAIMS...BIG or SMALL :j:j:j:j

Hang in there to everyone else who are waiting for their wins to come rolling in :D

We forgive you :D meanings you are such a nice caring sweet lady :A:A:A. XXXXX:beer: