PPI Reclaiming successes and failures

di3004

katrinalg wrote: »

Hi All
Just to keep you updated with my claim with lloydstsb which on the 2nd August said they would be paying me back my ppl and I'm still waiting for payment.....after trying to get someone to answer the phone all day, I finely got them to answer to be told that they have "had a technical problem" and can't say when payments will be paid! has anyone else had this problem and does anyone know how long does it usually take to get money out of Lloydstsb??
should I return to the FOS with a complaint on how they are treating their customers?

Hi there

I would sit it out a little longer as it seems many are in the same position, have you tried emailing them as well?
[EMAIL="customer.care.insurance@lloydstsb.co.uk"]customer.care.insurance@lloydstsb.co.uk[/EMAIL]

Well done on your win by the way!:beer:

di3004

oorbrian wrote: »

Yippeeee. Just heard my 3 loan complaints and a large CC complaint have been upheld by RBS. They say up to 8 weeks to compile figures Any experience out there of how long they actually are taking?

Well done and Congratulations!:beer: fab news!

I've not actually dealt with RBS myself but if anything like Lloyds its normally 21 to 28 days after they receive the signed acceptance, good luck.;)

aj16_2

Hi, first time on the forum. Learning some valuable information!

Just received a phone call from FOS stating that Barclays were “defending” my ppi claim, i.e. it’s been rejected. This, despite it being one of the pre-20th April cases. No reason was given for rejection and I’ll just have to wait for further phone call from FOS tomorrow.

Try to be as brief as possible here. Claim was for a Barclaycard visa card from early 90s. They failed to acknowledge any of my complaint letters, so it went to the FOS in December 2010. Was put on hold due to the JR, while FOS asked me for some more information. FOS, incredibly, managed to obtain original application form (from 1991!). Anyway, Barclays then made the announcement of paying out on a “no quibble” basis to customers who complained before 20th April. I thought that was the end of the matter but, strangely enough, never received the “gesture of goodwill” letter from either Barclays or FOS. Despite frequent phone calls/emails to FOS and Barclays, was never updated properly on my case. In fact, Barclays have to-date refused to cooperate with me – ignoring letters, failing to ring back etc. Worst customer service ever.

Here is the really interesting part. When I stated (ok, shouted!) to my contact at FOS this evening that Barclays have to pay out to customers with a pre-20th April complaint put on hold due to the JR, he said that Barclays have denied this. They claim that the statement has been worded badly and they don’t have to pay out. Total rubbish, as far as I’m concerned. You reckon they are rejecting my claim because of it’s age? They cannot dispute I’m paying ppi ,as FOS have the original application and I have statements going back to 2002 with ppi added!

Seems like another long fight ahead!

interested_81

tifosi wrote: »

Hi,

it's a bit difficult for us to comment without the full figures and dates for the amounts you paid on the PPI

If you can post those, we can give it a crack

Did the card reach a 0 balance at any time throughout the card lifetime? (this is the only situation that is likely to create a credit balance (the £0 balance + the PPI refund to that date) to enable 8% interest to be due as compensation


:cool:

Hi Tifosi
Yes the card would off been paid off numurous times through out its lifetime i know at the start the ppi would off only been few pounds as the balance would off been paid each month but the last time it was paid off in full would have been 4 years ago ! I know its quite hard too work out tbh im a bit useless when it comes too working out interest !
Thanks again for having a look

di3004

aj16 wrote: »

Hi, first time on the forum. Learning some valuable information!

Just received a phone call from FOS stating that Barclays were “defending” my ppi claim, i.e. it’s been rejected. This, despite it being one of the pre-20th April cases. No reason was given for rejection and I’ll just have to wait for further phone call from FOS tomorrow.

Try to be as brief as possible here. Claim was for a Barclaycard visa card from early 90s. They failed to acknowledge any of my complaint letters, so it went to the FOS in December 2010. Was put on hold due to the JR, while FOS asked me for some more information. FOS, incredibly, managed to obtain original application form (from 1991!). Anyway, Barclays then made the announcement of paying out on a “no quibble” basis to customers who complained before 20th April. I thought that was the end of the matter but, strangely enough, never received the “gesture of goodwill” letter from either Barclays or FOS. Despite frequent phone calls/emails to FOS and Barclays, was never updated properly on my case. In fact, Barclays have to-date refused to cooperate with me – ignoring letters, failing to ring back etc. Worst customer service ever.

Here is the really interesting part. When I stated (ok, shouted!) to my contact at FOS this evening that Barclays have to pay out to customers with a pre-20th April complaint put on hold due to the JR, he said that Barclays have denied this. They claim that the statement has been worded badly and they don’t have to pay out. Total rubbish, as far as I’m concerned. You reckon they are rejecting my claim because of it’s age? They cannot dispute I’m paying ppi ,as FOS have the original application and I have statements going back to 2002 with ppi added!

Seems like another long fight ahead!

Hi and welcome

Thank you as well for posting up your case and so sorry to hear of the messing around you've been going through.

Everything is crossed here for you and I do hope the FOS have some good news for you tomorrow and I totally agree with you throughout, its Barclays that are in the wrong here, good luck and please let us know how you get on, cheers x;)

stellaboy

stellaboy wrote: »

Trying to claim off Halifax credit card PPI but when i sent SAR no record of my account,sent SAR off to MBNA and had info off my Halifax card,( MBNA took on the card)spoke to Halifax on the phone about this and they informed me that MBNA are now in charge of the account,had a letter off MBNA today saying that a cheque £277 will be sent under separate cover,well short of my calculations.Phoned MBNA this evening had a chat with the case manager and told her my concerns,she said that was the premiums were from 2005 when they took on the card,she said she will phone me back tomorrow i reckon im still owed about £650 have a letter here saying that the PPi was put on the card Feb 2003

Been a long long time with this one,went to the F O S and finally got a letter back from Halifax and they are going to pay me £966.47.Thanks to all those on here who gave all the advice and help,just goes to prove never give up its your money and you will get it back.

di3004

stellaboy wrote: »

Been a long long time with this one,went to the F O S and finally got a letter back from Halifax and they are going to pay me £966.47.Thanks to all those on here who gave all the advice and help,just goes to prove never give up its your money and you will get it back.

Great news Stellaboy! :T:j Congratulations!:beer:

stellaboy

Cheers Di,only been two years! they tried to get out of it Halifax blaming MBNA and vice versa took it to the FOS and fair play they decided it was Down to Halifax should get the cheque next week.

pigsmightfly

Just wondering, I have paid off various credit cards/store cards in the past and have no idea if PPI was on these.

As they were paid off I don't have statements to hand so

a) how would I find out my account details and if they had PPI on them
b) is it worth trying to reclaim if these accounts are now closed?

Thanks in advance and well done to everyone getting their money back :T

sophosh

The_Marksman wrote: »

Got a letter today from lloyds TSB stating that they have upheld all my complaints & i've to sign an acceptance and return it & then wait for a big fat cheque (well there is hoping).

What were you reclaiming: Loan ppi (x6) (going back to 1996)
Who was the provider: Lloyds TSB
How much did you get back: Awaiting calculation ( but letter states, all ppi payments, 8% simple interest & all interest acquired with ppi payments to be refunded).
Did you get it back after a letter or did you go to the Financial Ombudsman: filled in 6 consumer questionnaire complaints, got acknowledgement letters, then letters for extension being granted, then letters to say all complaints are under one reference number. Then a offer letter, which needed to be signed & returned for calculations, await figures now! :beer:;):D

Thanks for everyones help & best of luck to all others in the que

Great news congratulations. Looks like Lloyds are ploughing through the claims as we got our letters today as well:beer: