PPI Reclaiming successes and failures

amersall

weewen wrote: »

Good day all, just phoned Lloyds for update on last complaint and yaaayy!! £2,300 back for loan ppi.Over £24,000 claimed back all in all.
Good luck to all.

:jWell done :j:j:j

amersall

GazMan wrote: »

Great news and congratulations to everyone who has successfully managed to reclaim their PPI premiums.

I have had another upheld which I'm really happy about but I just wish that they would give the calculations in the initial letter rather than asking to sign an acceptance and then being sent calculations. Just seems an unneccessary delay.

:j:j Ab Fab :beer::beer: hope you dont wait too long:D

MARKOS72

Still waiting on a response from CB after I disputed their final decision last week(thanks smitchy)before I send off to the ombudsman.

DrSqueeze

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

Update:

Just phoned to chase the second complaint. Apparently it's with the "calculations team" but they can't tell me any more than that. If they were going to reject the complaint, there wouldn't be anything to calculate so I'm assuming it's good news

amersall

DrSqueeze wrote: »

Update:

Just phoned to chase the second complaint. Apparently it's with the "calculations team" but they can't tell me any more than that. If they were going to reject the complaint, there wouldn't be anything to calculate so I'm assuming it's good news

Ooooooh :D:D:D hope its a good one

MARKOS72

donnamhickey wrote: »

Hi just recieved letter to say our complaint hasn't been upheld as my husband back in 1996 ticked the box on the application form to say he wanted ppi.

They are satisfied that my husband actively chose to purchase ppi and understood it was optional when he did so.

No one actually spoke to him or explained what ppi was.
He just returned an application form. He assumed he had to have it back then, as he wouldn't be excepted if he hadn't got it.

We only canceled it 3 years after realising with all the media we didn't need it!!! :eek:

Anyway my question is MBNA have said we can take it to ombudsman if we're not happy. Does anyone think its worth it as he did tick the box afterall.

Any similar stories with good outcomes.

Thanks in advance for any help.

Donna

I'm in the same sort of situation with Clydesdale Bank-rejected my claim last week.One of the other peeps advised me to go back to them-emailing the ceo if possible,and ppi miselling dept and quote the following from the fsa handbook-

"3.3.5 G The

[FONT=TimesNewRoman,Italic]firm [/FONT]should not reject a complainant’s account of events solely on the basis

that the complainant signed documentation relevant to the purchase of the [FONT=TimesNewRoman,Italic]policy[/FONT]."

"3.3.6 G The

[FONT=TimesNewRoman,Italic]firm [/FONT]should not reject a [FONT=TimesNewRoman,Italic]complaint [/FONT]because the complainant failed to exercise

the right to cancel the [FONT=TimesNewRoman,Italic]policy[/FONT]."

"3.3.11 G The

[FONT=TimesNewRoman,Italic]firm should consider in all situations whether it communicated information
to the complainant in a way that was fair, clear and not misleading and with due

regard to the complainant’s information needs."

"3.6.2 E In the absence of evidence to the contrary, the

[FONT=TimesNewRoman,Italic]firm should presume that the
complainant would not have bought the [FONT=TimesNewRoman,Italic]payment protection contract [/FONT]he bought if

the sale was substantially flawed, for example where the [FONT=TimesNewRoman,Italic]firm[/FONT]

(2) did not disclose to the complainant, in good time before the sale was
concluded, and in a way that was fair, clear and not misleading, that the

[FONT=TimesNewRoman,Italic]

policy

was optional; or
(3) made the sale without the complainant’s explicit agreement to purchase

the [FONT=TimesNewRoman,Italic]policy[/FONT]; or

(4) did not disclose to the complainant, in good time before the sale was
concluded, and in a way that was fair, clear and not misleading, the
significant exclusions and limitations, i.e. those that would tend to affect

the decisions of [FONT=TimesNewRoman,Italic]customers generally to buy the [FONT=TimesNewRoman,Italic]policy[/FONT]; or

(6) did not take reasonable steps to ensure the complainant only bought a

[FONT=TimesNewRoman,Italic]policy for which he was eligible to claim benefits; or

(8) did not disclose to the complainant, in good time before the sale was
concluded, and in a way that was fair, clear and not misleading, the total
(not just monthly) cost of the

[FONT=TimesNewRoman,Italic]policy separately from any other prices (or

the basis for calculating it so that the complainant could verify it); or

(9) recommended a single premium

[FONT=TimesNewRoman,Italic]payment protection contract without
taking reasonable steps, where the [FONT=TimesNewRoman,Italic]policy [/FONT]did not have a pro-rata refund,
to establish whether there was a prospect that the complainant would

repay or refinance the loan before the end of the term; or

(12) in a sale of a single premium

[FONT=TimesNewRoman,Italic]payment protection contract, failed to
disclose to the complainant, in good time before the sale was concluded,
and in a way that was fair, clear and not misleading:
(a) that the premium would be added to the amount provided under the
credit agreement, that interest would be payable on the premium

and the amount of that interest; or

(c) (if applicable) that the complainant would not receive a pro-rata
refund if the complainant were to repay or refinance the loan or
otherwise cancel the single premium

[FONT=TimesNewRoman,Italic]policy after the cooling-off

period."
Hope this helps.
[/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT][/FONT]

bflare

I sent Barclays CEO quite a nasty email last night after a few beers!!!! I had missed call today from Barclays customer relations offer. I have just phoned them back & was told that a letter is on its way offering me £3,449……….yippy thanks everyone for there help & advice. :T:T:T:T:T:T:T:T:T:T:T:T:T

He did stress that I will not receive the money yet but I have to wait for the letter which explains more.

For information the claim was for 2 loans each for £3,000 & both over 36 months. The first loan was in 2000 & the second 2003

Thanks,

Tony.

IANC

tifosi wrote: »

Hi,

the FOS allow them up to 8 weeks to process payment, so I'd expect about 7 weeks and 6 days!

:mad:

I'm willing to have a bet with you that I have every penny within 2 weeks.

I can be quite annoying and persistent as you have probably gathered :rotfl:

DrSqueeze

amersall wrote: »

Ooooooh :D:D:D hope its a good one

Thank you :beer: I need some new dining chairs, so if it covers the cost of those I will be a very happy (and comfortable) man :rotfl:

amersall

Sophieh wrote: »

Hi Amersall....No, we got nothing once it was finished. The loan etc carried on exactly as before.

Thanks for that.