PPI Reclaiming successes and failures

di3004

Dizzywytch wrote: »

ooops, sorry, can I just ask: what's the difference between the FLA and FOS? Santander are saying I should contact the FLA and MBNA say the FOS

Hiya

Some ideas of who is who for you lol.:D;) Yes it can be confusing but no worries.

The FSA (Financial Services Association) are the regulators, more details below, they regulate financial businesses, but only came into force in Jan 2005.
The FLA is the Financial leasing Association, so if your account wasn't covered by the FSA, then you can try the FLA, although the FLA is not always that helpful.
If this fails, contact the Financial Services Ombudsman (FOS), who may then suggest the underwriter/insurer avenue instead.

FSA
http://www.fsa.gov.uk/

FLA
http://www.fla.org.uk/home

FOS
http://www.financial-ombudsman.org.uk/

Hope this will help.;)

di3004

Twisted_Animator wrote: »

My HSBC refund hit my account today - within 5 days of them processing my acceptance letter (they had it a week before this). Hurrah!

Goodbye career development loan! Good luck to all those still waiting.

:-D

Brilliant!:T Congratulations!:beer: that was quick work too, absolutely fab!:T

di3004

TheNew wrote: »

Just been on the phone to Barclays as it was now nearly 18 weeks.

Anyway, happens that they sent a letter to me on 31 August (coincidentally exactly when the 16 weeks was up) that never appeared in my letterbox!

Anyway, I'm due £2292.42 within 40 days from 31 August. New letter with full details is on its way out to me! Paying out on 3 loans from 2003, 2007 and 2010.

BOOM!

Oh and thanks for the advice from everyone on here.

Well done on your success!:beer:
Hope you receive all your refunds very soon, fingers crossed.;)

tired_mum

can i just clarify something
I have sent back my offer letter for just under £5k to HSBC now this loan was paid off over 6 yrs ago but we owe them money and 2 accounts have gone to their collections dept(metropolitan) on the form they sent it just asked for the bank details where we wanted the money paid to no mention of paying metropolitan first and sending us the rest
I need to point out we are paying our debts with CCCS but DD1 is off to uni end of the month and this would pay her accommadation bill for the 1st year and this would help no end
So any ideas wil i get the cash:j or will it go to metropolitan first then if anything is left to me
either way not too bothered but just like to know
Thank you

di3004

Lemonie1985 wrote: »

Still nothing on my Halifax offer amount, it has been over 3 weeks since i got my acceptance letter, no one is giving me any information over the phone apart from it will take 3 weeks.

Any one else had any luck with them yet?? :mad:

Well done on your success!:beer:

Maybe they take about 21 to 28 days, chase them up, they should let you know, good luck.;)

di3004

nutty_nat wrote: »

:j:beer::j:beer::j:beer::j:beer::j:beer:

OMG!! OMG!!

I had a phonecall from Firstplus this morning my complaint is being upheld. My goodwill offer was done yesterday and is being posted to me today firstclass. I said to the lady that called me is the offer what I a thinking it will be and she told me you won't be dissapointed.

I will post my offer up here when I receive it so the experts can look over it.

Big thanks along my journey go to Di, Amersall, Niggly, Red Peppers, Dizzy with Money and Conkerlily the support and advice you have given has been much appreciated.:A:A:A:A:A:A

:j:beer::j:beer::j:beer::j:beer::j:beer:

That is so wonderful!:beer::beer:, absolutely great news honey, so pleased to hear it.
Congratulations and your most welcome x:A:A

di3004

justinntime wrote: »

I took out a personal loan with Lloyds back in 2008 and re-financed in dec 2009, both had PPI... I made claims against the PPI and both have been upheld....Please can one of the calculator wizards give me some idea what I may be expecting back...Its been a month since I sent back my acceptance form and still nothing!!

Loan agreement date; 30/06/2008
Loan amount; 15,000
PPI; 4,300.97
PPI payment; 57.37
interest rate; 8.04%
Loan Term; 84 months

Loan refinanced september 2009..Letter recieved from Lloyds

We have recently been informed that you have repaid your personal loan in full and that your loan insurance rebate of £2943.75 has been deducted from the total settlement figure of your loan.........

current loan ( still running )

Loan agreement date; 30/12/2009
Loan amount; 22,000
PPI; 7.986.72
PPI payment; 95.08
( This premium includes insurance premium tax at a rate of 5% )
Interest rate overall; 14.01%
Loan term; 84 months.

I cancelled my PPI payments back in may 2011........

Yours confusingly :(

Hiya

Has anyone seem to this one yet folks?;) Cheers x:D

di3004

pigsmightfly wrote: »

Same here Lemonie. Does anyone else have the email address for Halifax on here please?

Thanks

Hiya

I assume you would already have details of the main contacts as below, but the CEO will be useful as well, good luck.
http://www.halifax.co.uk/contactus/howtocomplain/complain-about-ppi/

They are the same as the lloyds CEO, and the site will no longer allow these details by email to come up now, they look like this....
[EMAIL="!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!"]!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!![/EMAIL]

So the best way round this is here.;) Good luck.
http://www.!!!!!!/sm.php?em=antonio.osorio*lloydsbanking.com

conkerlily123

nutty_nat wrote: »

:j:beer::j:beer::j:beer::j:beer::j:beer:

OMG!! OMG!!

I had a phonecall from Firstplus this morning my complaint is being upheld. My goodwill offer was done yesterday and is being posted to me today firstclass. I said to the lady that called me is the offer what I a thinking it will be and she told me you won't be dissapointed.

I will post my offer up here when I receive it so the experts can look over it.

Big thanks along my journey go to Di, Amersall, Niggly, Red Peppers, Dizzy with Money and Conkerlily the support and advice you have given has been much appreciated.:A:A:A:A:A:A

:j:beer::j:beer::j:beer::j:beer::j:beer:

Wow wow wow

This is fantastic news well done Nat xxx

At last a success against FirstPlus
Well done Honey xxxxxx

There is hope for the rest of us

Love Lily xx:T:T:T:T:T:T:T:T:T:T:T:T

plumfin

I had the same - initially, Santander were very helpful. I then called to chase it up 2 weeks later, to be told that they had sent my complaint to MBNA, who had already told me to contact Santander. After going round in circles for a week, I eventually started to get correspondence from MBNA regarding another complaint, that we eventually worked out to be the A&L card. I called them up, explained the situation, and someone with some sense emailed Santander for me, who made an offer week before last on the card. I didn't argue about amounts, as I had the same problem as you. Call the A&L/Santander PPI number (will post it tomorrow), and you may get some help.