PPI Reclaiming successes and failures

fletchmeister

i am a newbie on here and i am after some advice.
At the moment i have 9 ppi cases in total 5 with hsbc and 4 with hfc, today i phoned hfc and went through to complaints and said that this had been going on since october last year and they were basically taking the mickey.
After a long drawn out conversation i was told that they sent me a 'FINAL RESPONSE' back on 21st june 2011 but was very sketchy, he would not tell me what was said in the letter but started saying that i would be refunded plus 8% of all ppi but then take away what i owed them so i said great that means ill get all because my loans were all paid off last year to which he replied no we owe you nothing as you didnt have ppi on any of the loans yet i have actual figures for 2 of the loans stating i had paid it somebody please help i am confused have i won or not

only_mee

fletchmeister wrote: »

but started saying that i would be refunded plus 8% of all ppi

fletchmeister wrote: »

he replied no we owe you nothing as you didnt have ppi on any of the loans

that doesn't make sense at all.

Rebecca01

amersall wrote: »

:eek:November!!!!.good luck :D
My hubbys has been in since last august.only due to the ineptness of Barclays staff,otherwise this would have been paid last july!!.
Never mind :D i am patient

Especially as i reported Bob Diamond and other ceos to the FSA OFT, FOS, and sent e mails to all bank CEO :D:D
At the way they were dealing with claims and "fast tracking"

My hubbys name will be mud at the banks :rotfl::rotfl:not mine so i "aint bovvered"

I am a very amiable person but what they were doing really got my back up,and they do say the pen (in my case an e mail:rotfl:)
Is mightier than the sword

Brilliant Amersall. Well done.

Hope we all hear something soon

di3004

fletchmeister wrote: »

i am a newbie on here and i am after some advice.
At the moment i have 9 ppi cases in total 5 with hsbc and 4 with hfc, today i phoned hfc and went through to complaints and said that this had been going on since october last year and they were basically taking the mickey.
After a long drawn out conversation i was told that they sent me a 'FINAL RESPONSE' back on 21st june 2011 but was very sketchy, he would not tell me what was said in the letter but started saying that i would be refunded plus 8% of all ppi but then take away what i owed them so i said great that means ill get all because my loans were all paid off last year to which he replied no we owe you nothing as you didnt have ppi on any of the loans yet i have actual figures for 2 of the loans stating i had paid it somebody please help i am confused have i won or not

Hi

Now that is strange, I would contact the CEO about this and see what they have to say.
Do you have any copies of proof to send to them of the ppi?

Maybe they have got it muddled with someone elses, but its best to make sure.

di3004

offcumden wrote: »

Just received a goodwill offer from Natwest not bad as it arrived exactly a month after my e-mail to the ceo.
Not so good the single premium was up front on a sixty month loan their goodwill offer is based on the premium of £1050 Times 8% from march 1999 whereas as I understand the FOS guidelines I should receive the interest on ppi element of the 60 payments I made over the five years. When I tried to explain this to a very unsympathic young lady she said we've calculated the interest back to the single payment premium you have only paid one you can't claim for sixty payments, its our final offer and non-negotiable.
I'm in two minds as to wether to refer it to the FOS or let Scott Mcclellan intervene.
Could somebody confirm that I have not misinterpreted the FOS instructions

Hi

Contact them again and tell them you have mis-understood, maybe you will get to speak to someone else who knows what is what, at the end of the day if you've paid 60 payments via PPI that is what you should get back plus the interest involved - as calculated/directed by the FOS instructions.
Where did she get one payment made from?

I would definately double check on this one first. Good luck.;)

di3004

fifi123 wrote: »

Hi
just wanted to share with you ... received offer and cheque for my MBNA card £3644.80 . Originally sent complaint in February, had "need more time" letters, Offer letter received 6th July saying they would pay in 28 days and chq turned up in 21 days. Very happy!! and a big thumbs up to you guys on here, the time and info you give to people on here is fab! thank you

Well done!:T & Congratulations!:beer:

dawnie569

Would just like to say thank you for your help. Santander are going to refund £3,890 of insurance. Just one letter - a reply within a week with the offer!! Now just waiting on Welcome Finance to reply!

di3004

dawnie569 wrote: »

Would just like to say thank you for your help. Santander are going to refund £3,890 of insurance. Just one letter - a reply within a week with the offer!! Now just waiting on Welcome Finance to reply!

Well done dawnie :T:j absolutely fab news, Congratulations :beer: and all the best on the WF reclaim. x;)

Footiemad_2

Hi all

I am all behind again and not caught up with everyone.

A BIG FAT WELL DONE TO ALL THE SUCCESSES AND GOOD LUCK TO ALL WHO ARE STILL WAITING FOR A RESPONSE.

Hang in there good things come to those who wait ;)

maryspecial

dawnie569 wrote: »

Would just like to say thank you for your help. Santander are going to refund £3,890 of insurance. Just one letter - a reply within a week with the offer!! Now just waiting on Welcome Finance to reply!

Hi dawnie! Well done!! I have sent two e mails last week to santander and am watching the letterbox to hear result either way, santander certainly seem to be replying very quickly compared to the others. Not expecting much even if we win as it wasnt big ppi premiums but you never know?? Great to hear all the success stories!!
:T