PPI Reclaiming successes and failures

nutmeg

scotlad1980 wrote: »

I have just got another letter from Halifax saying that:

In view of the fact that you are a vauled customer, a decision has been made to pay the amount which will put me back in the position I would have been had I not taken PPI. I will received confirmation shortly with the amount and it will be offset against my loan arrears.

I havent had to go to the FOS with this matter and at this moment I am very happy that they have now made a decision on the matter. This is the end of the 8th week :beer:

Hi scotslad
congratulations on your grest news!! i have been following your posts to see how you got on, as i have a claim with Halifax myself. The eight week deadline is up on Monday so fingers crossed i have same good news as you

scotlad1980

nutmeg wrote: »

Hi scotslad
congratulations on your grest news!! i have been following your posts to see how you got on, as i have a claim with Halifax myself. The eight week deadline is up on Monday so fingers crossed i have same good news as you

Thanks nutmeg, I have my fingers crossed for you, I do hope you get good news too.

di3004

scotlad1980 wrote: »

I have just got another letter from Halifax saying that:

In view of the fact that you are a vauled customer, a decision has been made to pay the amount which will put me back in the position I would have been had I not taken PPI. I will received confirmation shortly with the amount and it will be offset against my loan arrears.

I havent had to go to the FOS with this matter and at this moment I am very happy that they have now made a decision on the matter. This is the end of the 8th week :beer:

Hi there and well done......:T :beer: , every penny counts and that is great news.

Thanks for posting your success here.;)

Di
X

bathgatebuyer

Ha ha!!! I had to fight the Halifax, as I was not a valued customer! Well done to you for winning against them. They're not an easy nut to crack, so enjoy it!

Incipience

They say buses come in threes, but the past 24 hours has been great .

EGG - Default Removed and £500 Compensation
ABBEY - Default Removed and PPI returned with interest and Statutory Interest
ABBEY - Unfair Charges Upheld and refunded
GE CAPITAL - PPI refunded in FULL.

Power to the People.

2009.

Incipience 5 - 1 Banks

Just got FIRSTPLUS to deal with, this has gone to lawyers..

scotlad1980

bathgatebuyer wrote: »

Ha ha!!! I had to fight the Halifax, as I was not a valued customer! Well done to you for winning against them. They're not an easy nut to crack, so enjoy it!

Yes but thats the strange thing, I am not a valued customer, all my debts with them are on a DMP. Very strange wording of the letter.

pinknico

I got the same letter and have not been their customer for 5 years!

m4DD0gg

Hi everyone long time lurker first time poster.

On the advice of martin i contacted Egg for a refund of ppi on a loan i took out in July 2005 via eggs online facilities and am still paying it having never missed a payment.

As soon as i rang egg and mentioned the PPI they reduced my payments by £10 a month for the rest of the duration and said they would investigate as to whether i was owed any backlog money.

Today i recieved a letter stating they would not refund as:

'We do not provide an advisory service, as part of our online sales process. However, prior to submitting your online application, you were asked to read the t's and c's governing this policy and you were required to specifically confirm that you agreed to them'

Therefore egg are saying they are unable to highlight whether or not i was given incorrect information and are refusing to cough up.

Does anyone have any advice that could help? Thanks

di3004

m4DD0gg wrote: »

Hi everyone long time lurker first time poster.

On the advice of martin i contacted Egg for a refund of ppi on a loan i took out in July 2005 via eggs online facilities and am still paying it having never missed a payment.

As soon as i rang egg and mentioned the PPI they reduced my payments by £10 a month for the rest of the duration and said they would investigate as to whether i was owed any backlog money.

Today i recieved a letter stating they would not refund as:

'We do not provide an advisory service, as part of our online sales process. However, prior to submitting your online application, you were asked to read the t's and c's governing this policy and you were required to specifically confirm that you agreed to them'

Therefore egg are saying they are unable to highlight whether or not i was given incorrect information and are refusing to cough up.

Does anyone have any advice that could help? Thanks

Hi there
Do not worry at this stage.

Did you actually write to them to reclaim or was this just done verbally over the phone?

Was this the final letter response or the first one?

If the first one, then write back, if a final letter, have they enclosed the Financial ombudsman service leaflet?
If so you can take your complaint to them to investigate this for you.

Let us know and we can helo from here, cheers.;)

m4DD0gg

di3004 wrote: »

Hi there
Do not worry at this stage.

Did you actually write to them to reclaim or was this just done verbally over the phone?

Was this the final letter response or the first one?

If the first one, then write back, if a final letter, have they enclosed the Financial ombudsman service leaflet?
If so you can take your complaint to them to investigate this for you.

Let us know and we can helo from here, cheers.;)

Hi mate - thanks for the reply.

I rang egg up after reading the advice here and the moment i mentioned ppi to the egg rep on the phone the first thing she asked me was did i want a refund haha.

She said that she would log my complaint and within 8 weeks i would get a decision, today i got the letter saying they were not going to pay up but that i could take this up with the financial ombudsman.

So would you recommend i fill in the forms and send it to ombudsman?