PPI Reclaiming successes and failures

mumofjanda

di3004 wrote: »

Hiya

Sorry to hear this.
Hopefully it's not the final decision and they will give you a further opportunity to ask them to reconsider by giving them further info to strengthen the complaint, see what comes back and we can take it from there, but otherwise they will give details of the FOS.

Have you asked them for a copy of the phone recordings?;)

Thanks Di!

After the phone call this morning I've been really fed up all day. Guess I thought we might get this upheld straight away because it was a 'front loaded' premium.:(

So I'll report back when i get the letter and as I said to Niggly I'm really grateful for all the encouragement and advice from you,Niggly,Amersall and everyone on here....wouldn't have a clue otherwise!!!

gazza24366

Hi !!

My loans were July 2002 for 18months or so

then December 2005 - which I replaced with another in Nov 2006 and paid that off in Feb 2008.

So the one in Nov 2005 paid £3100 for just 11 months payments

Amazing !! :beer:

Smamfer

Smamfer wrote: »

Thanks, well the email i got today as i stated says they have been upheld and now monies are being sorted so now you got me panicking he will change his mind lol

hope they reverse yours xx

Sorry i have added confusion here..

I just read back and realised i had copied and pasted the FIRST email i got from them, so i should point out the ACTUAL email i got from them today was ::::


I can confirm that Black Horse are prepared to uphold your PPI complaints. I am awaiting figures from our settlement team, as soon as I have them I will write to you providing full details of our offer.

Kind regards,

Geraint Griffiths


Sorry about that xxx

The_Marksman

gazza24366 wrote: »

Hi !!

My loans were July 2002 for 18months or so

then December 2005 - which I replaced with another in Nov 2006 and paid that off in Feb 2008.

So the one in Nov 2005 paid £3100 for just 11 months payments

Amazing !! :beer:

Thanks for the info and enjoy you rewards lol

k77mss

k77mss wrote: »

hi thats the guy that was dealing with mine and i got same email lets hope you get a better result than i got.he sent me letter last week saying my 2 loans had not be upheld but sent letter yesterday giving more reasons and hoping he changes his mind.i was really disappointed as i thought they would be upheld like so many others on this site.fingers crossed for you

sorry didn't mean to panic you i thought the email that was on your post was the one he sent you today cause it doesn't say upheld exactly the same as the one i got.while i was typing this one noticed you were updating your one lol

mrs_boop

Hi everyone,

see i told you i would need help soon.:rotfl:

i have just been sorting through old letters ready to send off asking for my agreements using the template letter.

My question is because some are old accounts and have now been taken over by other companys who should i write to e.g abbey and bank of scotland who are now mbna i still have them and are repaying with payplan. So do i write to mbna or originator of the credit cards.

also i took out a loan with hsbc and over the years had a bit more and renewed a couple of times it is now on a managed loan in the template letter i have written this and asked for all agreements is this right.

thank you in advance:T

footiefanian

after a year of chasing and ankle biting HFC have paid up for one miss sold PPI for £2100 the other is now going to the FOC

jeany78

I put in a PPI claim to Halifax (credit card), it went to the FOS but yesterday I logged into my online banking and my credit card is £1127 in credit!! I guess that means I've won (have not been advised via post or anything yet either by halifax, solicitor or FOS!!!)
Is this the way it usually works, I would have thought I might have received an offer letter in writing first. Not complaining though, £1000 is very handy at the moment!

computerbuddy

jeany78 wrote: »

I put in a PPI claim to Halifax (credit card), it went to the FOS but yesterday I logged into my online banking and my credit card is £1127 in credit!! I guess that means I've won (have not been advised via post or anything yet either by halifax, solicitor or FOS!!!)
Is this the way it usually works, I would have thought I might have received an offer letter in writing first. Not complaining though, £1000 is very handy at the moment!

Well done on your win! Can i ask how long your complaint was with the FOS? :beer::j

jolfc

jeany78 wrote: »

I put in a PPI claim to Halifax (credit card), it went to the FOS but yesterday I logged into my online banking and my credit card is £1127 in credit!! I guess that means I've won (have not been advised via post or anything yet either by halifax, solicitor or FOS!!!)
Is this the way it usually works, I would have thought I might have received an offer letter in writing first. Not complaining though, £1000 is very handy at the moment!

same happened to me only mine went into current account with halifax, a letter came about 4 days later with the details.