PPI Reclaiming successes and failures

precious12

nikkilala wrote: »

I know, couldnt believe it, I've only just opened it as it didnt even say Lloyds on the envelope. It was a nice hand written cheque as well :rotfl: :rotfl:

Wow congrats did you have to sign an acceptance slip

k77mss

well done all todays winners bad news for me after sending blackhorse letter back last week with every thing i could think of even quotes from fsa a woman phoned me today from blackhorse to say they weren't changing their mind even although i gave them new evidence { i was selfemployed] plus underlying health problems not interested.i asked her about other loan as she said it's a no on that one too and a letter sent out 2nd august, not got that one yet and she said it was sent 2nd class so might come this week 23 days for 2nd class thats a joke and i told her this also told her i was not happy and if this was the way they were dealing with complaintsthem i'm sure they would make the deadline of 31st august she said you can take it to fos.mines has been with them since febuary but saying no time to look at my new evidence this week their a complete JOKE!! went stright on phone to fos and registered them so need to forget about those complaints for a while!

sunny8_2

smitchy73 wrote: »

My turn, my turn, my turn, woooooohhooooooo, UPHELD!! Clydesdale Bank PPI on two loans.

Niggly I need you my friend.

Loan 1
27/9/02
Loan amount 10,000.00
Interest on loan 2,550.00
Additional charge 40.00
Total 12590.00

PPI 1994.00
Interest 508.47
Total 2502.47

Total Loan+ppi 15092.47

APR 9.9%

Monthly payments £250.87
of which Loan £209.17
and PPI £41.70
Made 42 payments of 60

Settlement figure £4064.51
Plus received PPI rebate to bank account of £166.71 just after settlement.

Loan 2 taken 15/05/06
Loan Amount 10,000.00
Interest 2,074.26
Total 12,074.26

PPI 2,102.00
PPI Interest 436.01
Total 2,538.01

Monthly payment 243.53
(made up of 201.23
plus ppi 42.30)

APR 7.9%

Settled on 28/01/08
Amount £7798.79
Made 21 payments

Redress from them as follows
Loan 1
Refund of the cost of PPI up when loan was repaid 1793.40
Plus interest at 8% on the ppi installments you paid 1017.69
Total 2811.09

Loan 2
Refund of the cost of PPI up when loan was repaid 2022.72
Plus interest at 8% on the ppi installments you paid 368.95
Plus interest at 8% on the ppi capital repaid at the time the loan was repaid 278.67

total from Loan 2 2670.34

Total for Loan 1 & 2 £5481.43

Well super'maths'man, how does this look to you?

Many thanks to you Niggly, DizzyDi, cappo, amersall, and any others who have helped, most thanks go to you Di you've helped me with advice on this the first time I complained and when it was rejected I didn't listen to the advice to go to FOS thankfully they've upheld this time around, thanks don't quite express it, so if you were next to me I'd give you a damn big hug, mmmwwwaaaahhhh

WOWWWZZZZZEEERRRSSSSS!! Go Smitchy, Go Smitchy!!!:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
Knew you would do it hunny!!! Big Congratulations!!!:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T
Well deserved!!! You won the Clydesdale..nah nah na nah nah!!:eek::eek:
You have given me fresh hope!! Was this since that Carol rang you??
How long has your claim took smitchy from sending claim in till now?:money::money:xx

sunny8_2

Congratulations to all winners today!!:j:j:j:j:j:j:j:j:j:j:jxx

PIP1966_2

smitchy73 wrote: »

My turn, my turn, my turn, woooooohhooooooo, UPHELD!! Clydesdale Bank PPI on two loans.

Niggly I need you my friend.

Loan 1
27/9/02
Loan amount 10,000.00
Interest on loan 2,550.00
Additional charge 40.00
Total 12590.00

PPI 1994.00
Interest 508.47
Total 2502.47

Total Loan+ppi 15092.47

APR 9.9%

Monthly payments £250.87
of which Loan £209.17
and PPI £41.70
Made 42 payments of 60

Settlement figure £4064.51
Plus received PPI rebate to bank account of £166.71 just after settlement.

Loan 2 taken 15/05/06
Loan Amount 10,000.00
Interest 2,074.26
Total 12,074.26

PPI 2,102.00
PPI Interest 436.01
Total 2,538.01

Monthly payment 243.53
(made up of 201.23
plus ppi 42.30)

APR 7.9%

Settled on 28/01/08
Amount £7798.79
Made 21 payments

Redress from them as follows
Loan 1
Refund of the cost of PPI up when loan was repaid 1793.40
Plus interest at 8% on the ppi installments you paid 1017.69
Total 2811.09

Loan 2
Refund of the cost of PPI up when loan was repaid 2022.72
Plus interest at 8% on the ppi installments you paid 368.95
Plus interest at 8% on the ppi capital repaid at the time the loan was repaid 278.67

total from Loan 2 2670.34

Total for Loan 1 & 2 £5481.43

Well super'maths'man, how does this look to you?

Many thanks to you Niggly, DizzyDi, cappo, amersall, and any others who have helped, most thanks go to you Di you've helped me with advice on this the first time I complained and when it was rejected I didn't listen to the advice to go to FOS thankfully they've upheld this time around, thanks don't quite express it, so if you were next to me I'd give you a damn big hug, mmmwwwaaaahhhh

Well done Smitchey

I am SO SO SO SO SO pleased for you. Needless to say I am still waiting for Barclays - despite the promised phone call which I didnt get!! The hardest part of this is being offered a figure and then having to wait for ages to receive it. I have spent mine hundreds of times in my head!!

PIP

nikkilala_2

precious12 wrote: »

Wow congrats did you have to sign an acceptance slip

No, I didnt sign an acceptance slip. I just got the letter at the weekend with the offer and the cheque arrived today:T I was concerned because everyone was saying that they had to send back the acceptance slip, so much so that I kept reading my letter from them to check I hadnt missed something. I was fully expecting a long wait for it and was so shocked today!

Obiewan

Can some one look at the figures that i have received maths never been my strong subject......:cool:


Original PPI policy this is the total added to the loan £3918.40

Interest Incurred due to PPI £197.64

Less any previous Successful claims £0

Less early settlement £3395.94

Total refund for this loan/further advance (A+B-C-D) £720.10

Value of 8% per annum simple interest payment £182.10

Further Advance


Original PPI policy this is the total added to the loan £5387.80

Interest Incurred due to PPI £349.80

Less any previous Successful claims £0

Less early settlement £4489.83

Total refund for this loan/further advance (G+H-I-J) £1247.77

Value of 8% per annum simple interest payment £225.35


Any help i would be every so grateful again thank you all :T:T:T

Never Give Up Never Give In :A

smitchy73

sunny8 wrote: »

WOWWWZZZZZEEERRRSSSSS!! Go Smitchy, Go Smitchy!!!:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:
Knew you would do it hunny!!! Big Congratulations!!!:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T
Well deserved!!! You won the Clydesdale..nah nah na nah nah!!:eek::eek:
You have given me fresh hope!! Was this since that Carol rang you??
How long has your claim took smitchy from sending claim in till now?:money::money:xx

Thankyou Sunny,
That's about 14 weeks since we put the claim in to them, which isnt too bad.
Yeah this seems to have taken off after Carol phoned, she said when she phoned that it was in final stages and we'd receive an offer in the post in the next few days, it's been 8 days since the letter was done. So not sure whether it was at that stage at that time or not, but I like to think it was because we kicked it up a bit.
Good luck with yours too and i'll still be about too, need to repay the help i've had to others, certainly where I can!:rotfl::rotfl::j:j.

MARKOS72

Re my CB cc claim(thanks smitchy for further advice) emailed back the CEO, and PPI team to express my displeasure that no acknowledgement after almost a week to say they have at least read my emails(I know they have) as well as the ops manager for the PPI team(Carol)outlining the situation to her with regards to their final decision.Hopefully at least get some kind of acknowledgement-requested summat within 7 working days before going to the FSA with regards to non-acknowledgement of correspondence,then further taking my complaint to the ombudsman.

sunny8_2

smitchy73 wrote: »

Thankyou Sunny,
That's about 14 weeks since we put the claim in to them, which isnt too bad.
Yeah this seems to have taken off after Carol phoned, she said when she phoned that it was in final stages and we'd receive an offer in the post in the next few days, it's been 8 days since the letter was done. So not sure whether it was at that stage at that time or not, but I like to think it was because we kicked it up a bit.
Good luck with yours too and i'll still be about too, need to repay the help i've had to others, certainly where I can!:rotfl::rotfl::j:j.

Oh, good on ya smitchy:j:j. Mines been in around 3 weeks. Emailed carol again yest...just to let her know i will be stalking her....haha, no, just to ask if there was any developments and that i was glad she emailed me to verify my claim/correspondence. She just said yes, she was aware of my claim & she would be in touch within the next 4 weeks. So, prob get a letter saying need more time, blah, blah or just NO! Fingers crossed..it isnt much as i think the highest loan was £5000 but its just the principle. Watch out CB..im a coming............:money::money:xx