PPI Reclaiming successes and failures

Rae115

Derwent wrote: »

I heard my loan was upheld on Friday when I phoned them, but don't have figures yet. I think you'll be ok as the guy told me that ALL MBNA loan claims are going to be upheld, but credit cards are different due to the various sales methods they had for cards.

i tell you what this is trully GOOD NEWS - MBNA upholding all loan claims, Barclays doing their no quibble thing.

All im saying hope they sort mine out before the POT OF CASH finishes :rotfl::rotfl::rotfl:

CONGRATS on all wins so far guys :j:j:j

heatherks

Thanks di3004 for the info as well

like origional post ... i took out my barclaycard credit card around the same time 16-17 yrs ago ..but cancelled it when i went back to college as a mature student as i knew i wouldnt be able to claim anyway about 9 yrs ago
was also told on a another forum to request a full SAR ...i had looked everywhere for my PPI insurance cerificate which i know i had ..as you say it was automatically added as in they days it was something you thought you had to have and just probably listened listened to salesman who sold it without looking carefully over the t&c's which in reality would have excluded me on a few of the clauses in small print

better give it another go ..but Barclaycard rejecting your claim just trying to get out of paying rather
..

di3004 wrote: »

Hi there

And with it being 17 years ago its likely it was added anyway.

Have you also requested a SAR (Subject Access Request), I note you said about a possible cancellation 6 years ago, if this was the case as they must hold data for at least the last 6 years then it should be all disclosed within the paperwork from the SAR. This will hopefully prove your point of having PPI on the account.

If you have not requested a SAR, you can optionally do so by requesting for this by using the full template letter below, enclose £10 cheque or postal order, and they have 40 calendar days to comply.
Sometimes they still hold data going back even earlier.
https://forums.moneysavingexpert.com/discussion/1475553

It's up to you of course if you want to do this though but just another suggestion.
Hope this helps.;)

Obiewan

Just a quick Update posted a couple of year`s ago regarding a big win against First Plus ...... And after all the outrage regarding PPI both me and the wife have being quietly going about chasing most of the company`s who have charged PPI on a number of accounts we have held over the years ...... all with the templates from this site

Success`s as follows

Co-op Credit card Received £313 Wife`s account:j
First Plus £700 + 330@ 8% PAYMENT IN 6 -8 WEEKS :mad: another account still out standing.
M&S confirmed in a letter not only 1 of my wife`s` personal loans but 4 in total will be back to us in 4-5 weeks .:beer::T

Still outstanding

Barclaycard Credit card due for a reply by the 1st September .
Yorkshire Bank personal loans 2 old accounts .....Wife`s`

Failures

M&S Charge Card

All i can say is a big thanks to Martin you and the team you all deserve Knighthoods :T

I will update you all when i have more news :j

Never give UP and Never Give IN :A

di3004

heatherks wrote: »

Thanks di3004 for the info as well

like origional post ... i took out my barclaycard credit card around the same time 16-17 yrs ago ..but cancelled it when i went back to college as a mature student as i knew i wouldnt be able to claim anyway about 9 yrs ago
was also told on a another forum to request a full SAR ...i had looked everywhere for my PPI insurance cerificate which i know i had ..as you say it was automatically added as in they days it was something you thought you had to have and just probably listened listened to salesman who sold it without looking carefully over the t&c's which in reality would have excluded me on a few of the clauses in small print

better give it another go ..but Barclaycard rejecting your claim just trying to get out of paying rather
..

Worth giving it a go, good luck with this, keep at them. x;)

di3004

Obiewan wrote: »

Just a quick Update posted a couple of year`s ago regarding a big win against First Plus ...... And after all the outrage regarding PPI both me and the wife have being quietly going about chasing most of the company`s who have charged PPI on a number of accounts we have held over the years ...... all with the templates from this site

Success`s as follows

Co-op Credit card Received £313 Wife`s account:j
First Plus £700 + 330@ 8% PAYMENT IN 6 -8 WEEKS :mad: another account still out standing.
M&S confirmed in a letter not only 1 of my wife`s` personal loans but 4 in total will be back to us in 4-5 weeks .:beer::T

Still outstanding

Barclaycard Credit card due for a reply by the 1st September .
Yorkshire Bank personal loans 2 old accounts .....Wife`s`

Failures

M&S Charge Card

All i can say is a big thanks to Martin you and the team you all deserve Knighthoods :T

I will update you all when i have more news :j

Never give UP and Never Give IN :A

Well done and Congratulations on your wins! :T:beer::j

caely19

Hi,Tifosi, there was no mention of VAT only the 25%.. I thought I was bad off, but I've just read someone else had to pay 30%....

tifosi

caely19 wrote: »

Hi,Tifosi, there was no mention of VAT only the 25%.. I thought I was bad off, but I've just read someone else had to pay 30%....

They cannot quote EX VAT prices to consumers

If in the documentation it states 25% with no mention of VAT then you are allowed to assume its 25% INC. VAT and that's all they can charge

Make sure you go through the documentation though, I'd be very surprised if its not in there somewhere?

phoenix80

phoenix80 wrote: »

I won't hold my breath for our money yet then .

I posted our acceptance back to them on July 12th. I've rung them a few times and they keep saying 10 working days :mad: Their 28 working days is up next week. I'll be ringing them again on Monday.

:beer::beer: Glad you finally got your money though. Happy spending :beer::beer:

:j Well they've saved me the cost of a phone call :j

:j The money has gone into our bank today :j

So this is how our claim with NRAM has gone

19th May - Questionnaire sent
26th May - Letter to say they had received it
12th July - We received an offer letter and sent it straight back
22nd August - The money is in the bank :T
A few update phone calls in between.

So once again thank you to everyone on here and fingers crossed for lots more success stories :)

Travel agents here we come :rotfl::rotfl:

sunny8_2

Obiewan wrote: »

Just a quick Update posted a couple of year`s ago regarding a big win against First Plus ...... And after all the outrage regarding PPI both me and the wife have being quietly going about chasing most of the company`s who have charged PPI on a number of accounts we have held over the years ...... all with the templates from this site

Success`s as follows

Co-op Credit card Received £313 Wife`s account:j
First Plus £700 + 330@ 8% PAYMENT IN 6 -8 WEEKS :mad: another account still out standing.
M&S confirmed in a letter not only 1 of my wife`s` personal loans but 4 in total will be back to us in 4-5 weeks .:beer::T

Still outstanding

Barclaycard Credit card due for a reply by the 1st September .
Yorkshire Bank personal loans 2 old accounts .....Wife`s`

Failures

M&S Charge Card

All i can say is a big thanks to Martin you and the team you all deserve Knighthoods :T

I will update you all when i have more news :j

Never give UP and Never Give IN :A

Congratulations!!:Txx

sunny8_2

phoenix80 wrote: »

:j Well they've saved me the cost of a phone call :j

:j The money has gone into our bank today :j

So this is how our claim with NRAM has gone

19th May - Questionnaire sent
26th May - Letter to say they had received it
12th July - We received an offer letter and sent it straight back
22nd August - The money is in the bank :T
A few update phone calls in between.

So once again thank you to everyone on here and fingers crossed for lots more success stories :)

Travel agents here we come :rotfl::rotfl:

congratulations :T xx