PPI Reclaiming successes and failures

amersall

annoat wrote: »

Forgive my ignorance fellow money savers, but

What is SAR?

Is the 8% that they caculate just the time when you had the product or from then until now?

Am still learning and as I never had PPI am doing on behalf of hubby and now friends and family,

Hi there, a SAR is when you write to the bank and ask for all information for accounts that you have had with them,this will cost you £10 per bank.
The 8% is from the date you took the product to the date you win the mis sell.

If you have account numbers and reasons for mis sell,you dont need to SAR.
Look here for reasons for mis sell and any other info you need to claim
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2

If you need anymore help,just ask.

amersall

h0pusp0pus wrote: »

morning guys i hope everyones well and you have all had succcesses right so im having a total nightmare with santander and my burtons menswear claim i had my claim upheld 2 and half months ago and apparently they have now sent me out two cheques but they have both failed to arrive!!!! i have been on the phone to tania steward several times which is costing me a fortune as its 10p a minute i last spoke to her friday and said she would ring my mobile on friday and get right on it for me guess what nothing!!!! phoned her today and she said all she can do is order another cheque WHICH IS GOING TO TAKE ANOTHER 2 WEEKS!!! she said it will have to be recalculated because of the extra length of time its taken to get my cheque to me. it really is a joke now so im going to write an email to the ceo does anyone have the ceo address for santander please?

i also am having trouble with egg they up held in my favour again about 2 months ago but only back tpo 2005 when i was paying it all the way back to 2003 so i sent in evidence of this and they sent it back in to be recalulated 2 months and several phone calls later and i havent received anything from them either i am hacked right off if they have upheld in my favour surely the recalulation should be sorted asap!!! so also writing to egg ceo so has any one got that address also please

im feeling !!!!ed right off today my egg credit card has gone over and ive got a missed payment charge as ive had to wait so long:mad:

sorry thought id post again as it got a bit lost in the throng lol

[EMAIL="ceo@santander.co.uk"]ceo@santander.co.uk[/EMAIL]



Here you are,give em hell.

loopyloz84

loopyloz84 wrote: »

Hi Everyone

So I rang MBNA customer advocate department yesterday to see if they received the email I sent them in response to their "we're not upholding you cmplain because you ticked the box" response.

The girl I spoke to said, we haven't got your email, it's not been attached to your complaint file, and your complaint will not be reopened no matter what so go complain to the FOS - as uphelpful as she could possibly be!

So this afternoon I decided I'd forward the email to them again but this time copy it in to the CEO too - and within a few hours I received a secured email from a senior case handler at MBNA advising me that he would be handling my complaint personally and has opened a new complaint to deal with the points I have raised in my email, and would get back to me within 7 days but that I was free to contact him whenever I wished

Maybe there is some hope and MBNA will come to their senses!

So to anyone who's been turned down by MBNA, it's worth listening to the great advice that the guys give everyone on here and don't give up the fight - they've not changed their minds yet but it looks like they're taking my email seriously :T

And congratulations to everyone who have heard the magic "upheld" and fingers crossed for everyone still waiting!

Morning everyone

My casehandler at MBNA got back to me a day earlier than promised:

"I have taken on board the information provided in your previous email and have spoken with my immediate management team in order for me to get clarification on the issues you have raised. Regrettably, I am still waiting for this clarification and request a further 7 days for this investigation to take place.

If you have any questions please do not hesitate to contact me using the details below."

I don't mind him asking for more time as it gives me hope that they are actually looking at my complaint this time.

I've replied and told him I look forward to hearing from him in due course and that I appreciate him looking into my complaint and keeping me updated with his progress - creeping I know but if I'm nice to him, he might be nice to me :rotfl:

pumpkinseed_2

Hi All!

I haven't posted before but do read a few of the forums regularly. I've been reading all the advice on this forum so just wanted to post to share my success story.

I was reclaiming PPI on several loans I have had in the past few years and the current loan I have (I consolidated a few of my debts into one loan a couple of years ago). All these were held with HSBC.

Today I have received a letter offering me a refund of £9094.26!!!
The majority of this will be used to clear the outstanding balance of my current loan and there will be some left over to go straight into my pocket. I've only written one letter to HSBC and had a couple of telephone conversations with them but I think I'm very lucky that it's been a relatively straightforward process for me.

My grounds for claiming were that I was specifically told that my application to consolidate my debts into one loan would be refused unless I took out HSBC's ppi.

Just want to say a massive thank you to everyone on here for all your advice and positive support for people claiming - even if we aren't regular posters, we have learnt a lot from people's experinces on here. As a result of this, my husband and I are going to have one less loan repayment to make each month and so can pay off our credit cards even faster - our new goal is to be debt-free by April 2012 (without this we wouldn't have been debt-free until August 2013!)

Thanks again!
Pumpkinseed xx

di3004

WJB wrote: »

Hi all, I posted in a Lloyds topic last week, I have also received a letter from Lloyds, I had 3 ppi claims, and they have been upheld :j I've sent back the acceptance form so just waiting now for a total figure.

All the loans have been paid off now. it was a long time ago and they were for a total of £24k (crazy spending period of my life) Not sure how much of a ppi refund to expect!

I've also just put in a claim for my Llloyds credit card ppi too!

Good luck to those still waiting, congrats to those who have been successful.

Regards

Hi and welcome

That is so fab:T:j Congratulations!:beer:

And how long did this take?

Good luck on your CC PPI reclaiming as well.;)

di3004

Catty_Cat wrote: »

Hi, new to all this. Just sent my complaint to Black Horse Finance today and my complaint to LTSB for a selection of Loans and credit card has been acknowledged last week with a timescale of 16 weeks. Have been reading some positive messages on here so far

Hi and welcome

wishing you the very best of luck on your reclaims, keep at them and please also keep us posted, cheers and fingers crossed x;)

di3004

annoat wrote: »

Thanks amersall, MBNA have said that they will take it up with them but I am a bit scectical so will give that a go.

Good luck, please let us know how you get on, cheers x;)

di3004

annoat wrote: »

Forgive my ignorance fellow money savers, but

What is SAR?

Is the 8% that they caculate just the time when you had the product or from then until now?

Am still learning and as I never had PPI am doing on behalf of hubby and now friends and family,

Hiya

A SAR is in short for Subject Access Request.
This is a request for all your data they hold on all your accounts you may have taken out with them, they have 40 calendar days to comply and you enclose the one off payment of £10 cheque or postal order.
They may only go back to the last 6 years though, but some still hold data for even longer.

For example, if you had a loan, credit card with the same business, then only one SAR is required, as it should cover for all accounts you have with them, and as stated just the one off payment as said above, if you do ever want to SAR, try to give them the account numbers that apply in case they miss anything, or as many of your details as possible, full name, any change of name of the last 6 years, same for address and so on.

Hope this helps and for your information, and if ever required which is always options, there is a SAR letter template below.:)
https://forums.moneysavingexpert.com/discussion/1475553

di3004

h0pusp0pus wrote: »

morning guys i hope everyones well and you have all had succcesses right so im having a total nightmare with santander and my burtons menswear claim i had my claim upheld 2 and half months ago and apparently they have now sent me out two cheques but they have both failed to arrive!!!! i have been on the phone to tania steward several times which is costing me a fortune as its 10p a minute i last spoke to her friday and said she would ring my mobile on friday and get right on it for me guess what nothing!!!! phoned her today and she said all she can do is order another cheque WHICH IS GOING TO TAKE ANOTHER 2 WEEKS!!! she said it will have to be recalculated because of the extra length of time its taken to get my cheque to me. it really is a joke now so im going to write an email to the ceo does anyone have the ceo address for santander please?

i also am having trouble with egg they up held in my favour again about 2 months ago but only back tpo 2005 when i was paying it all the way back to 2003 so i sent in evidence of this and they sent it back in to be recalulated 2 months and several phone calls later and i havent received anything from them either i am hacked right off if they have upheld in my favour surely the recalulation should be sorted asap!!! so also writing to egg ceo so has any one got that address also please

im feeling !!!!ed right off today my egg credit card has gone over and ive got a missed payment charge as ive had to wait so long:mad:

sorry thought id post again as it got a bit lost in the throng lol

Hiya honey

Yes I agree with amersall, make sure you do give them hell hon, we are with you every step of the way.
Good luck x;)

di3004

loopyloz84 wrote: »

Morning everyone

My casehandler at MBNA got back to me a day earlier than promised:

"I have taken on board the information provided in your previous email and have spoken with my immediate management team in order for me to get clarification on the issues you have raised. Regrettably, I am still waiting for this clarification and request a further 7 days for this investigation to take place.

If you have any questions please do not hesitate to contact me using the details below."

I don't mind him asking for more time as it gives me hope that they are actually looking at my complaint this time.

I've replied and told him I look forward to hearing from him in due course and that I appreciate him looking into my complaint and keeping me updated with his progress - creeping I know but if I'm nice to him, he might be nice to me :rotfl:

Hiya

Thank you for your update so far, you keep on at them hon, and good for you too.:T:T
All the best on this and hope you receive some good news very soon x;)