PPI Reclaiming successes and failures

amersall

fifi123 wrote: »

Hi - no post today but did my usual routine of logging onto online banking and I have 3 x PPI Refunds from Barclays totalling £2361 :j. I have no idea what they have paid out, will have to wait for the breakdown as I requested them to look into all (9) of my consolidated loans from 2000 - 2007. Will keep you posted. Fi. x

:j:j:jBrill :j:j:j:j:money:

amersall

:j:j:jToo many to congratulate one at a time
So well done to all winners today :T:T:T:T

Shitch

Hi! I have been watching this forum for some time now but have never posted before (hopefully I am doing this right). I would first of all like to thank you all for inspiring me to submit ppi claims. So far OH and I have had three successes totalling approx £16K for a joint loan, one Cap 1 card and one MBNA card all since submitting in June! SO A BIG THANK YOU FOR ALL YOUR ADVICE AND EXPERIENCE!!!!!

Interestingly though, with Cap 1 and MBNA we both had credit cards and we have both had one of them rejected, almost as if claims from the same address are being looked at.

Today we had a rejection from MBNA for OH, basically saying that their records showed that the application he completed in 1994 offered an option to tick the PPI thus making it clear that he could choose whether to purchase or not and that given the box was ticked and signed underneath they are satisfied that it was actively chosen and understood as optional. They say that at the time PPI was added to the account, OH was on permanent employment and that he has not provided evidence that he had any other adequate means of protecting his repayments, they have reached the view that the PPI policy purchased provided cover that would have been beneficial and they have seen no evidence of anything which would have changed his decision to purchase the PPI policy. This is their final response and they have advised to refer to FOS if still not satisfied.

For the last 10 years OH has been self employed though so presumably not covered.

Any advice on best next step would be greatly appreciated.

Thanks once again and apologies for my first post being such a long one... Sue

DrSqueeze

sunny8 wrote: »

I will have never had so much money in my hand that is mine!!!:j:j

Fantastic news, well done - enjoy your winnings! :beer::j

LynK_3

amersall wrote: »

If you have asked for a SAR,then you have complied with the payment for these,get back in touch and ask them what they want from you,and that you will put a complaint in to the ICO if you do not recieve all information they have have on your accounts.

Thanks, will ring them tomorrow, sorry but who is the ICO?

The_Marksman

DrSqueeze wrote: »

Got some good news today, the first of my Black Horse complaints has been upheld and they've offered me just under £700, which is more than I expected! :beer:

I've got another one 'pending' with them, so I hope they come to the same conclusion on that too

:rotfl::j:beer: WELL DONE :beer::j:rotfl:

24710274

Hi there has anyone out there had any joy with yorkshire bank as i m currently trying to claim my ppi back from a credit card i had with them for 12 years , i closed it down about two years ago, at the moment i am at 17 weeks from the date i sent my letter to yorkshire bank, although clydesdale bank say they only recieved my complaint on the 18th of May. (they are dealing with yokshire banks complaints).
At the moment when ever you ring to enquire how things are going i always get a lady called Nicole who refuses to give any idea if your claim has been looked at or if there is any progress , its starting to get very frusrating. We have tryed to email the CEO over a week ago but to date not even a reply , the stock answer if not happy is to go to Fos!!!!!
Any ideas ? Has any one got any inspiration please ? I have a few claims in with other banks but Yorkshire /Clydesdale bank are the worst by far as they will not comunicate with you at all.!
Any Advise would be greatly appreciated thanks Dave:mad:

di3004

24710274 wrote: »

Hi there has anyone out there had any joy with yorkshire bank as i m currently trying to claim my ppi back from a credit card i had with them for 12 years , i closed it down about two years ago, at the moment i am at 17 weeks from the date i sent my letter to yorkshire bank, although clydesdale bank say they only recieved my complaint on the 18th of May. (they are dealing with yokshire banks complaints).
At the moment when ever you ring to enquire how things are going i always get a lady called Nicole who refuses to give any idea if your claim has been looked at or if there is any progress , its starting to get very frusrating. We have tryed to email the CEO over a week ago but to date not even a reply , the stock answer if not happy is to go to Fos!!!!!
Any ideas ? Has any one got any inspiration please ? I have a few claims in with other banks but Yorkshire /Clydesdale bank are the worst by far as they will not comunicate with you at all.!
Any Advise would be greatly appreciated thanks Dave:mad:

Hi

Sorry to hear this, but I would (even though the CEO have been ignoring your emails), email them again and tell them you don't feel you are being treated fairly and they have a duty to treat customers fairly and a code to follow, I would then tell them you will be contacting the FSA about this matter.
Not sure if it will help but they may get back to you quicker, I hope so anyway, good luck.;)

Scotty1.7

sunny8 wrote: »

OMG!!!!!!! YYYYYYYYYYYYYYYYYYYYYYIIIIIIIIIIIIIIIIIIIIIIIIIIPPPPPPPPPPPPPPPPPPPPPPPPEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!!:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:beer:
Cant believe it..after nearly an hour on the phone to MBNA, rang the loans line & asked a lovely girl called 'lisa' if she could look in to my file...and....YES...YES....YES.........paid out on both loans:D:D:D:D:D:D:D
I had 1 loan, then consolidated it after 18 months for a further 18 months....Lisa said my cheques have been raised and have went to be signed off so i should receive them within the next week or so....fingers crossed...:eek::eek::eek::eek::eek::eek:
I should be paid £2158.97 & £1320.66 wow, wow, wow!!
She said the calculations should be with the letter!!!!:rotfl::rotfl:
I will have never had so much money in my hand that is mine!!!:j:j
As soon as the cheques are cleared they are going towards outstanding debts.. and then when my oh gets paid out on Natwest , we will hopefully be nearly debt free:j:j:j:j What a feeling that will be:A:A:A

Thank you to all you superstars on here, di, amersall, derwent, niggly, tifosi and ALL you out there ..as without your ongoing stories & support i wouldnt of done it!!!:j:j:j MWAH xx

Thats awesome news!!!!

I'm waiting for my details from MBNA- did they say the cheque was with the letter?

I'm trying to figure out what I could get back.

PPI was £896.26

PPI Intrest it says was £1470.29

rate of 14.9%

60 months but paid off in 6 months

sunny8_2

DrSqueeze wrote: »

Fantastic news, well done - enjoy your winnings! :beer::j

Thank you very much...cant wait for the cheques to come..im frightened to 'count my chickens' as they say but they told me over the phone, so cant see it being wrong! Happy days:money::jxx