PPI Reclaiming successes and failures

di3004

fletchmeister wrote: »

Thank you just sent the following email

Dear sir/Madam

I am writing this email to you as i am absolutely disgusted about the way in which HFC have dealt with my complaint about Mis sold PPI.
When taking out the loan in February 2005 i told the sales person in chester branch that i was on salary and recieved sick pay but she told me that unless i took out the insurance i would more than likely get refused, SHE LIED and now i have gone for a reclaim they have rejected it.

I am going to go into the appeal stage and take this to the bitter end, i have been a hsbc group customer for over 17 years and i am seriously considering taking my account and business elsewhere unless this is sorted immediately.

I enclose the details of my loan account number, the cost of PPI (without the interest on top and i would be greatful if you get back to me very soon

Address
xxxx
xxxx
xxx
xxx
xxxx
email - [EMAIL="fletchmeister1@sky.com"]xxxxx[/EMAIL]
mobile - 0759xxxxxxx
work - xxx
home - xxx
Loan account Number xxxxxx
PPI Cost without loan interest - £xxxxx

That is great well done!:T

I would also add that you expect to receive a response by 8 weeks. (They may write to ask for more time, due to backlogs), good luck.

di3004

ermintrude1 wrote: »

PPI Success Story

I would like to post this both to thank the contributors to this forum and Martyn. I also hope it will encourage others to proceed with claims.

My OH had had a couple of loans from 'the bank that likes to say yes' (to taking money off you) he also has a health issue, so after reading stories on here I concluded there were cast iron grounds for a claim.

18 months ago I drafted out a letter (with help from the templates) to outline his circumstances. To my surprise, OH refused to send it. So it sat, unsent, on the PC until this January.

Around this time OH received a cold call from a 'claim specialist' offering to submit a claim for him for a mere 27% fee. He was was quite interested in this until I beat him senseless. After which he agreed to send the original letter I had written.

To summarise, two letters were sent to LTSB yielding little, followed by two forms completed from here (thanks again Martyn) to the Ombudsman.

Result; In expectaction of receipt of nearly 8.5k before the end of this month from aforementioned bank.

The thing which has amazed me is that OH's paperwork was non existent apart from having the account number of the last loan and an idea of dates.

So don't be put off if you're short on information.

Thanks again to everyone.

Great news!:T:j Well done and Congratulations!:beer:

harri03

daz_c wrote: »

had a letter today from RBS offering to repay me £4798 on a loan i had in 1997 while serving in the RAF and i dont have a company to pay a percentage to this time :j

Congratulations....how long did your claim take?

Smamfer

:j:j:j

Hi guys

Very quick response from Santander here with an offer received today,

Basics are

17th July or thereabouts emailed them, got an auto response,
21st July emailed them again , auto response.
Ended up on Sunday 7th i emailed the ceo@santander.co.uk,
Monday 8th received an email and a phone call saying it was being dealt with and something would be in the post Tuesday
Tuesday 9th received email saying they had tried to ring to confim post but got answer phone
Wednesday 10th Received letter with offer in post saying upon acceptance it would be here within 2 weeks,

So from Ceo to acceptance letter actually only took 4 days to receive.

Run down of offer is:
A Total monthly premiums paid until 5/4/2005 £246.75
PPI Rebate adjustment £589.45
Statutory interest on the 2 above until 31st August 2011 £416.18

Offer being £1252.38

Then went onto say," when you canclled your single premium ppi policy early you received a less than pro rata redunf, resulting in a larger settlement figure, The calculations therefore include a PPI rebate adjustment representing the different between the pro rate figure and the ine that was applied to your loan at the time.

Does this sound ok by all you carol vorderman wannabe's?:rotfl:

So success so far have been

Halifax credit card ppi money received
Santander loan which was originally A&L offer
Black Horse offer
Barclays is ongoing i have to send the forms back for this one and given us till September

For those that think " oh i dont know"
All of the above i have done completely through email so not even cost me the price of a stamp. I only had account numbers and a few bits of paper here and there, my OH didn't know if he had even paid these loans off or not and i didnt even have to fight my case just said simply " he was self employed"

I know everyone says it but help from you all, Di, Ianc, Marksman, Amers, and anyone else,,,, and others who post what they have done really really does make a difference, so don't just say " aww shucks its ok" pat yourself on the back and smile as you have made a big big difference in peoples lives with the time you give us all in claiming back these monies we have basically been robbed of

much love to all xxx

di3004

Smamfer wrote: »

:j:j:j

Hi guys

Very quick response from Santander here with an offer received today,

Basics are

17th July or thereabouts emailed them, got an auto response,
21st July emailed them again , auto response.
Ended up on Sunday 7th i emailed the [EMAIL="ceo@santander.co.uk"]ceo@santander.co.uk[/EMAIL],
Monday 8th received an email and a phone call saying it was being dealt with and something would be in the post Tuesday
Tuesday 9th received email saying they had tried to ring to confim post but got answer phone
Wednesday 10th Received letter with offer in post saying upon acceptance it would be here within 2 weeks,

So from Ceo to acceptance letter actually only took 4 days to receive.

Run down of offer is:
A Total monthly premiums paid until 5/4/2005 £246.75
PPI Rebate adjustment £589.45
Statutory interest on the 2 above until 31st August 2011 £416.18

Offer being £1252.38

Then went onto say," when you canclled your single premium ppi policy early you received a less than pro rata redunf, resulting in a larger settlement figure, The calculations therefore include a PPI rebate adjustment representing the different between the pro rate figure and the ine that was applied to your loan at the time.

Does this sound ok by all you carol vorderman wannabe's?:rotfl:

So success so far have been

Halifax credit card ppi money received
Santander loan which was originally A&L offer
Black Horse offer
Barclays is ongoing i have to send the forms back for this one and given us till September

For those that think " oh i dont know"
All of the above i have done completely through email so not even cost me the price of a stamp. I only had account numbers and a few bits of paper here and there, my OH didn't know if he had even paid these loans off or not and i didnt even have to fight my case just said simply " he was self employed"

I know everyone says it but help from you all, Di, Ianc, Marksman, Amers, and anyone else,,,, and others who post what they have done really really does make a difference, so don't just say " aww shucks its ok" pat yourself on the back and smile as you have made a big big difference in peoples lives with the time you give us all in claiming back these monies we have basically been robbed of

much love to all xxx

That is brilliant!:T:j well done honey and Congratulations!:beer:

It's been a real pleasure to help. x:Ax

Lisa9982

Eeeeeeeeek - spoke to RBS (Natwest PPI claim) and they said a decision has been made and they posted my letter back yesterday (was chasing as they've taken the full 16 weeks to respond!) - keep your fingers crossed!!

paddy1973

tifosi wrote: »

Paddy,

looking back to your first post you state you started the claim 3rd May

Lloyds are one of the banks the FSA has given an extended deadline to, allowing up to 16 weeks to make a decision (yes/no to paying up) and then a further 8 weeks from there to calculate and pay the amount

So even for the decision, your date would be Sepetmber (allowing for the maximum 16 weeks)


Have they acknowledged your complaint at all?

If not, did you send the complaint via registered post so (if required) you can prove you sent it?

If you havent heard anything (you should have got a standard "we have received your complaint" letter) it would be a good idea to email them and complain about this:

[EMAIL="Customer.Care.Insurance@lloydsTsb.co.uk"]Customer.Care.Insurance@lloydsTsb.co.uk[/EMAIL]

yeah we got a letter about 10 weeks ago listing all the accounts they were looking at (about 8 i think)

i wasnt aware of the 8 weeks after the initial 16,cheers for that.the 16 weeks is up on the 29th of august,just thought it would be done before then thats all.thanks for the advice!:)

smitchy73

Lisa9982 wrote: »

Eeeeeeeeek - spoke to RBS (Natwest PPI claim) and they said a decision has been made and they posted my letter back yesterday (was chasing as they've taken the full 16 weeks to respond!) - keep your fingers crossed!!

fingers and toes and other things all crossed for you.:D

di3004

Lisa9982 wrote: »

Eeeeeeeeek - spoke to RBS (Natwest PPI claim) and they said a decision has been made and they posted my letter back yesterday (was chasing as they've taken the full 16 weeks to respond!) - keep your fingers crossed!!

Everything crossed Lisa. x:j;)

maryspecial

Smamfer wrote: »

:j:j:j

Hi guys

Very quick response from Santander here with an offer received today,

Basics are

17th July or thereabouts emailed them, got an auto response,
21st July emailed them again , auto response.
Ended up on Sunday 7th i emailed the [EMAIL="ceo@santander.co.uk"]ceo@santander.co.uk[/EMAIL],
Monday 8th received an email and a phone call saying it was being dealt with and something would be in the post Tuesday
Tuesday 9th received email saying they had tried to ring to confim post but got answer phone
Wednesday 10th Received letter with offer in post saying upon acceptance it would be here within 2 weeks,

So from Ceo to acceptance letter actually only took 4 days to receive.

Run down of offer is:
A Total monthly premiums paid until 5/4/2005 £246.75
PPI Rebate adjustment £589.45
Statutory interest on the 2 above until 31st August 2011 £416.18

Offer being £1252.38

Then went onto say," when you canclled your single premium ppi policy early you received a less than pro rata redunf, resulting in a larger settlement figure, The calculations therefore include a PPI rebate adjustment representing the different between the pro rate figure and the ine that was applied to your loan at the time.

Does this sound ok by all you carol vorderman wannabe's?:rotfl:

So success so far have been

Halifax credit card ppi money received
Santander loan which was originally A&L offer
Black Horse offer
Barclays is ongoing i have to send the forms back for this one and given us till September

For those that think " oh i dont know"
All of the above i have done completely through email so not even cost me the price of a stamp. I only had account numbers and a few bits of paper here and there, my OH didn't know if he had even paid these loans off or not and i didnt even have to fight my case just said simply " he was self employed"

I know everyone says it but help from you all, Di, Ianc, Marksman, Amers, and anyone else,,,, and others who post what they have done really really does make a difference, so don't just say " aww shucks its ok" pat yourself on the back and smile as you have made a big big difference in peoples lives with the time you give us all in claiming back these monies we have basically been robbed of

much love to all xxx

fantastic news!! well done!! :beer: I am at pretty much the same stage, I have emailed santander twice and only received automated responses!! I reckon will give it a few more days and then email the ceo!! I also have halifax cc ppi one in but its been very quiet. Not too hopeful on that one but if it comes through it will be nice wee sum because we had it for years.