PPI Reclaiming successes and failures

computerbuddy

Well done to all winners today, they are certainly starting to come in quick and fast especially Lloyds.

computerbuddy

I sent another email to Halifax the other day, and i was more or less told to stop pestering them (Which i have done ha ha) as they have 16 weeks from when my complaint went in which was 16th June. Well cant blame me for trying to hurry them up.:D:cool:

di3004

computerbuddy wrote: »

I sent another email to Halifax the other day, and i was more or less told to stop pestering them (Which i have done ha ha) as they have 16 weeks from when my complaint went in which was 16th June. Well cant blame me for trying to hurry them up.:D:cool:

LOL, well sometimes its been a matter of having to, if they ignore emails from us in the first place lol, good luck though:D;)

computerbuddy

di3004 wrote: »

LOL, well sometimes its been a matter of having to, if they ignore emails from us in the first place lol, good luck though:D;)

Just keeping them on their little twinke toes. But i will keep on at them as i shall not feel intimidated by them! They actually think they are god sometimes. I AM BIGGER THAN THEM! Even though im only 4ft 10ins Tall Ha ha :rotfl::rotfl::rotfl:

sophosh

madastaz wrote: »

Thank You, thank you......

I started my PPI claim in May this year, the letter was acknowledged within 4 days and my claim was being looked at, about a week before the 6 week deadline I was sent another letter from Lloyds stating that they were sorry for the delay but had been granted an extension to 16 weeks to sort the claim out and that I would know definitely either way within that time...
I waited and this morning I have received a letter stating that they will be refunding all my PPI payments with interest. I have to send back a form stating that I will accept this decision in full and final settlement. I have no idea how much the refund will be, but am really happy I made the claim.
I did find amusing a paragraph on the letter staing that they will cancel the PPI on the card and that I will no longer be covered - I WAS NEVER COVERED IN THE FIRST PLACE HENCE THE CLAIM lol!!!!!!!!! Oh and I cancelled the PPI a couple of years ago when i found out I was not covered under medical grounds..............
All this for the sake of writing one letter, I am really pleased..
For anyone thinking they might have a claim I'd try it, after all you can only gain, you have already done the losing by having PPI in the first place
many thanks again to Martin

Hooray that's great news. Hope you get a big fat cheque from Lloyds and quickly too. We are still waiting our result from Lloyds. Roll on a 31st August!

di3004

Tiny_Terror wrote: »

Hi Di

I had checked my old credit card statements and I didn't have any PPI on it. When I phoned them to ask what loan it was regarding (as I had paid PPI on all 3 of them) as the letter was a bit vague they said they were looking at any loans I had taken out with them in the past 7 years.

My husband also used to have a CC with them, but no loans, and he hasn't received any letters.

Does this mean they are investigating loans too and not just CCs?

Thanks

Tiny Terror

Hiya

It does sound that way, and the FSA have also brought this ruling out, you could though contact them to make sure, they should be able to confirm.

Niggly_2

Sophieh wrote: »

HI there, just wanted to share some good news for anyone trying to claim from Loans.co.uk - I have received this morning a letter stating they are going to UPHOLD my complaint! :j I almost collapsed when I read it, was expecting big fat NO! Especially as they are brokers - have read on here people struggling to claim from brokers successfully so we are pretty shocked! Yet to find out how much for, though - can anyone on here give me an indication? PPI premium was £8100.00 & PPI cover was over 5 years & subsequently ended in 2009. They HAVE said in letter they will: 'refund equivalent to a full refund of the initial PPI premium plus associated interest charged on that premium either to present day or to the date that the loan for the premium was settled' Now, as the loan in still going, does that mean we will get interest to date? If so, grateful if any of you human calculators out there (you know who you are!) can give me a rough idea what to expect as a figure? Many thanks x soph x :T

Need the following

Start date
Loan term
Interest rate
Total monthly payment or PPI paid each month
Has a cashback/refund been given after 5 years

Thanks N

Tink_04

dan4868 wrote: »

Has anyone had any success with RBS i feel like i want to bang my head against a wall, are they stalling or just incompitant ?:mad:


:wall:

We had a nightmare and they point blank denied i had such thing as PPI so i sent a copy of my loan agreement and a letter saying if they didnt respond i would be taking it further and they sent me a CHQ a few weeks later!!! keep at them they stall whenever they can!!!

Sophieh_2

Niggly wrote: »

Need the following

Start date Agreement signed Nov 2004 (believe loan repayments started 6mths later though)
Loan term 15 years
Interest rate ??
Total monthly payment or PPI paid each month Has varied, was £374 now £423pmth inclusive
Has a cashback/refund been given after 5 years Nope, neither. & never claimed on it either.

Thanks N

I'll check all this tonight when I get home, none of this info with me at work but above all I know fof top of my head! Thanks for helping though!

Niggly_2

Sophieh wrote: »

I'll check all this tonight when I get home, none of this info with me at work but above all I know fof top of my head! Thanks for helping though!

Okay best have the loan amount as well then
First plus by any chance?:rotfl:

N:beer: