PPI Reclaiming successes and failures

sophosh

nikkilala wrote: »

GOOG GOOD GOOD Morning guys, I am so excited that I think I will burst. Just been to my mums to pick up some mail and my offer letter was there from LLOYDS. I can't believe it but wanted to quickly post to give everyone who's with LLoyds all hope that you may well get your offers before 31st August which is what I was told by them.
My offer is for £2,800 and is for a loan from 2000. The loan was for £15,000 with ppi of about £1100 but I'm going to post all the figures later so as some kind person might be able to check them for me, but I am sure they are about right.
Thank you so much to everyone on here for all your help because without all of you I would seriously never have done it, I'm not naming anyone because so many of the regulars helped me and spurred me on.
Thanks again guys
Nikki x

Hi thanks for the encouragement. Out of interest, when did you put your claim? 31st August feels like it is taking an age to come around!

sunny8_2

nikkilala wrote: »

GOOG GOOD GOOD Morning guys, I am so excited that I think I will burst. Just been to my mums to pick up some mail and my offer letter was there from LLOYDS. I can't believe it but wanted to quickly post to give everyone who's with LLoyds all hope that you may well get your offers before 31st August which is what I was told by them.
My offer is for £2,800 and is for a loan from 2000. The loan was for £15,000 with ppi of about £1100 but I'm going to post all the figures later so as some kind person might be able to check them for me, but I am sure they are about right.
Thank you so much to everyone on here for all your help because without all of you I would seriously never have done it, I'm not naming anyone because so many of the regulars helped me and spurred me on.
Thanks again guys
Nikki x

Well done!! :T:T Big congrats :T:T xx

nikkilala_2

sophosh wrote: »

Hi thanks for the encouragement. Out of interest, when did you put your claim? 31st August feels like it is taking an age to come around!

The claim went in in February of this year:)

sunny8_2

taren wrote: »

Hi all,

• What were you reclaiming: Credit Card
• Who was the provider: MBNA
• How much did you get back: £653.56
• Did you get it back after a letter or did you go to the Financial Ombudsman: Email
• And then write your brief reclaim tale

I've been a lurker on these forums for a while now, started a few years back looking for advice on debts, and had my light bulb moment (LBM) way back then, and if it wasn't for these forums, I really think I could have lost the lot, house, job, etc etc, anyhow back to the reason for me plucking up the courage to make this post. I'm posting to encourage others - to, " do it now and dont ever give up ".

I also started looking at my numerous credit cards and loans over the years, and managed to find a few credit card statements with PPi on them, I have posted out two PPI questionnaires forms to Lloyds and Barclays, still work in progress. Grrrr

But the MBNA as detailed above have said a cheque is on its way, I am well chuffed, I had almost given up on all three, the original email was sent early July and since then I have had a couple of emails back, and then today I recieved a letter stating the below

" Following a review of your complaint I have identified that MBNA acquired your account from HSBC, and that the sale of PPI was made by them prior to MBNA becoming your service provider. When your account was transfered to MBNA new policy terns abd conditions were issued to you and you were given the oppourtunity to cancel your policy, should the new terms and conditions not meet your requirements. However, as a gesture of goodwill, I have arranged a refund of the premiums and associated intrest that have been charged by MBNA since the date of transfer to be made in line with the calculations set out below".

Total PPI Charges £399.55
Total Intrest associated with PPI £93.31
8% amount £160.70
Total £653.56

This credit card went back to 2006, and not sure if many have had success with MBNA hence why I have posted, I would like to give huge thanks to di3004, amersall, the marksman and all the people who post in here, you are all truly wonderful and without your positiveness I would have given up.

Thank you

YYEEYY!!!! Congratulations:T:T Its sooo good to hear that people are getting back from MBNA...like you, i emailed them 14th July, had 2 x letters saying they need further time to 12th sept:cool: Hope it will be good news:eek: Did they give you a date to have it resolved by and did you hear from them earlier? well done xx

sunny8_2

Morning guys...Sorry to ask, does anyone know the CEO of satander, i have looked back but cant see for looking...Thank you :-)
Have a relaxing Sunday everyone before all the winners tomorrow :-) xx

shambois

New to this ! I wonder if the maths gurus could help. Cahoot made offer of 9900.paid 4100 in ppi premiums between june 02 and feb 06 then i cancelled policy. Offered 5800 in interest etc but figure wasnt broke down.this was a flexiloan and balance was approx in 14000 region with interst rate approx 10/12 % does it look right ? Help greatly appreciated.

cybernet1974

hi does anyone now how long it takes RBS to send the cheque's out been waiting 3 weeks now and still nothing ...still not heard of barclays either don't know whats taking them so long ,guess its just one big waiting game .....if you owe them money there soon on the blower to you for it ......just love the banks .

tifosi

shambois wrote: »

New to this ! I wonder if the maths gurus could help. Cahoot made offer of 9900.paid 4100 in ppi premiums between june 02 and feb 06 then i cancelled policy. Offered 5800 in interest etc but figure wasnt broke down.this was a flexiloan and balance was approx in 14000 region with interst rate approx 10/12 % does it look right ? Help greatly appreciated.

Hi,

the only figures relevant are the 4100 PPI premiums and 10-12% interest 02-06

I would say, off the top of my head that 9900 is quite a generous offer - snap their hand off!

di3004

caely19 wrote: »

Sorry words missing.... should have read as ...With the 'help' from a claim company, who rang me earlier this year. I got £2098. I never thought it was worth the bother claiming the PPI, + didn't believe that I'd get anything.

Well done on your win.:beer:

We will suggest though if you come across any more reclaims, give it a go yourself, this way you get to keep all your refund.;)

di3004

nikkilala wrote: »

GOOG GOOD GOOD Morning guys, I am so excited that I think I will burst. Just been to my mums to pick up some mail and my offer letter was there from LLOYDS. I can't believe it but wanted to quickly post to give everyone who's with LLoyds all hope that you may well get your offers before 31st August which is what I was told by them.
My offer is for £2,800 and is for a loan from 2000. The loan was for £15,000 with ppi of about £1100 but I'm going to post all the figures later so as some kind person might be able to check them for me, but I am sure they are about right.
Thank you so much to everyone on here for all your help because without all of you I would seriously never have done it, I'm not naming anyone because so many of the regulars helped me and spurred me on.
Thanks again guys
Nikki x

That is fab Nikki:T Congratulations!:beer:

How long did you wait for this reclaim to be sorted?
Well done!:T xx