PPI Reclaiming successes and failures

amersall

gillymartin wrote: »

Hi,

I have been trying to reclaim PPI on a Halifax loan, they have now offered me approx 3500 but say I have top take out a new loan without PPI for the same amount and pay it off over the same period and there will be a fee if I pay it off early?!!! !!!!!!???? Can they do this? I just want to pay it off and get rid!!
Please help!!!!:(:(

Gill

Hi there, this is what happens when you win mis sell if the loan is still running,you will have a loan without ppi,this reduces your monthly payment by the monthly ppi amount you were paying.

This loan will finish when the other loan with ppi would have done.

They are letting you know that if you settle this loan there will be a fee to pay,if you dont settle,then there wont be.
They are doing the correct thing.

amersall

maryspecial wrote: »

Whoah folks we've just come back after a few days away and im so excited to read how many success stories have been posted AND im even more excited to say we are one of them!!:j:j:j Got offer from Halifax for our credit card!!!!! Really thought we would have to fight for this one, even had all smitchy's quotes ready to fire at them when they turned us down!! :rotfl::rotfl:
Can't believe it and my oh whose card it was is delighted. He was so surprised and now has no complaints at the hours i spend on this forum!! No figures yet , have to return the acceptance form and wait. Should be big though, average £20 over 8 yrs so cant't wait to see what they come up with. Wish i had have SAR'd them so i had all premiums paid info to check their offer when it comes!!
What a great end to a great August, we got 465 from santander to!!
Again a huge thanks to Di,Amersall,Marksman and all the others on here for keeping us all right , I'll definitely come to the big upheld party , i owe you all a drink!! :beer::beer::beer:

:j:jWell done :beer::beer:
I dont want a drink thank you :D:D
just make sure you pay my bill :rotfl::rotfl:0% plus Vat:cool::rotfl:

sophosh

lula33 wrote: »

I got back home yesterday to find a letter from LLoyds upholding my complaint yippee! I was very surprised as I had spoken to them last Thursday and was told no decision had been made and I should hear this week as my 16 weeks were up today. The letter was dated the 22nd though! I just need to confirm that the uphold is for both of my loans as they were both put under one reference but the acceptance only lists one loan number. Am so pleased and grateful for all the excellent information and advice given on this site.

Thank you

Congratulations Lula! Hope you get your money back soon. It is good to hear that there have been some news from Lloyds

sara1978

Well after spending 150mins on the phone just trying to get hold of somebody at RBS I got told.........

A decision letter was sent out on Thurs 25th August and NO they cant tell me if my claims have been upheld so have to wait until I get the letter.

Can anybody hazard a guess at when I may recieve this letter?
I've got butterflies now *fingers crossed claims are upheld*

Very,very good luck to everbody awaiting on a decision or waiting on big, fat payouts !!!

tifosi

sara1978 wrote: »

Well after spending 150mins on the phone just trying to get hold of somebody at RBS I got told.........

A decision letter was sent out on Thurs 25th August and NO they cant tell me if my claims have been upheld so have to wait until I get the letter.

Can anybody hazard a guess at when I may recieve this letter?
I've got butterflies now *fingers crossed claims are upheld*

Very,very good luck to everbody awaiting on a decision or waiting on big, fat payouts !!!

???

If they are saying theyve sent out a decision (f they geuinely have!) then its just down to the postal service - no one but Royal Mail can tell you that one! (but I'd certainly expect it tomorrow/Thursday latest as its probabl 2nd class post knowing RBS)


Is this a credit card?

If so, watch them - I've had mine upheld and paid (started Dec 2009!) and I've just written back to them stating I believe they have calculated there figures incorrectly

DrSqueeze

sara1978 wrote: »

Well after spending 150mins on the phone just trying to get hold of somebody at RBS I got told.........

A decision letter was sent out on Thurs 25th August and NO they cant tell me if my claims have been upheld so have to wait until I get the letter.

Can anybody hazard a guess at when I may recieve this letter?
I've got butterflies now *fingers crossed claims are upheld*

Very,very good luck to everbody awaiting on a decision or waiting on big, fat payouts !!!

If it really was posted on Thursday, you should get it tomorrow - even allowing for the bank holiday. Hope there's some good news for you inside.

sara1978

tifosi wrote: »

???

If they are saying theyve sent out a decision (f they geuinely have!) then its just down to the postal service - no one but Royal Mail can tell you that one! (but I'd certainly expect it tomorrow/Thursday latest as its probabl 2nd class post knowing RBS)


Is this a credit card?

If so, watch them - I've had mine upheld and paid (started Dec 2009!) and I've just written back to them stating I believe they have calculated there figures incorrectly

Sorry forgot to say all 3 claims are for loans, the last one being paid off around this time last year.....so hopefully if they have been upheld, the money is all mineeeeeeeeee mwahahaha ( well my 2 little girls too )

tifosi

sara1978 wrote: »

Sorry forgot to say all 3 claims are for loans, the last one being paid off around this time last year.....so hopefully if they have been upheld, the money is all mineeeeeeeeee mwahahaha ( well my 2 little girls too )

Its a nonsense for them to say they cant give you detqails of the letter - that would be easily viewable on screen and once theyve taken your name/DOB/etc they ought to be able to give it to you

beverleykim

tifosi wrote: »

Its a nonsense for them to say they cant give you detqails of the letter - that would be easily viewable on screen and once theyve taken your name/DOB/etc they ought to be able to give it to you

But that would be far too easy and helpful for a bank!! Sorry not in the best of moods today.......

tifosi

beverleykim wrote: »

But that would be far too easy and helpful for a bank!! Sorry not in the best of moods today.......

After that phone call, neither would I be!