PPI Reclaiming successes and failures

smitchy73

sands02 wrote: »

What to spend it on -

Just reading on AOL news that we are to get snow as early as October and since I live in Scotland we will probably have Artic conditions!!!!!!!!! so a week in the sun could be looming - and a lovely Christmas:):):):):) (if I get paid before then););)

A BIG BIG thankyou to you all for your advice and support and wishing everyone success with their wins

ooooh snow, bring it on, everyone panics when it snows, what are we..a nation of men(and women) or mice, bloody hell I remember when we were kids going to school with snow up to our wastes, and still managed to get their and play!! wooohoo, unfortunately I live next to the water so get heehaw snow, still can always hope!!:rotfl::rotfl:

digsby202

precious12 wrote: »

Hi digsby can't believe it got the exact same letter i think the'll be many more like us i don't have any of the paperwork either but was told by the team at lloyds that i did have ppi on my 2 cc that is totally my arguement how did they let it go so far i've already submitted my complaint to the FOS whether i had ppi or not i want some sort of redress from them i don't know what there playing at:mad::mad: Keep me informed at what you decide to do dont let them get away with this:mad:

I rang them before I sent off the acceptance letter to confirm I could be paid into a 3rd party bank account, they said yes that wouldn't be a problem. How the hell could they answer my questions when all along I did not have PPI?
They truly are useless thank goodness I don't bank with them.
Not sure what to do yet but I think you are right, they will be more of us.

smitchy73

redian123 wrote: »

I received an offer today, with RBS. .

In the letter they state that any refund on a closed card, such as this, will be paid towards any 'arrears or indebtedness you may have within the Group' - I have arrears I am paying off on a Natwest loan - are they within their rights to apply this refund to that loan? I could understand if it was a refund on the loan PPI, but this is a separate card, and therefore surely up to me where I choose to repay the funds? I apologise as I believe this question has been asked before but my search on the threads couldn't locate the previous answers!

Any advice would be most welcome. Thanks in advance.

Nope, they can't do this, unless within your terms and conditions it says it can, the FSA says the following:-
[FONT=TimesNewRoman,Bold]

3.9 Other matters concerning redress

[/FONT]

3.9.1 G Where the complainant’s loan or credit card is in arrears the [FONT=TimesNewRoman,Italic]firm [/FONT]may, if it has the contractual right to do so, make a payment to reduce the associated loan or credit card balance, if the complainant accepts the [FONT=TimesNewRoman,Italic]firm’[/FONT]s offer of redress. The [FONT=TimesNewRoman,Italic]firm [/FONT]should act fairly and reasonably in deciding whether to make such a

payment.

Plus they should only be able to use redress from a complaint on a particular loan or credit card on the card/loan that has arrears, plus if you've asked for your agreement and they say they couldn't give you it, you would have them for a breach of the DPA as they may have told you they didn't have it anymore.

Hope this helps for starters:D

redian123

Thanks for that,i had a feeling they couldnt do it but was unsure.

welsh_g

di3004 wrote: »

Well done on your success!:beer:

They should have been resolved by 16 weeks, although the news is that this has not been the case, they are still having difficulty in keeping up.
Have you also emailed the customer service team, plus the CEO?
That may push them a bit hopefully, good luck.




Hi, Had a reply from customer care who are about as much use as a chocolate tea pot, they said could not help due to data protection and to phone them, this I tried to do but after an hour of waiting to be answered gave up as I am disabled.
I am beggining to think they are taking the mick. I need my money back because of a family crisis, I should never have been forced to pay this PPI on my loans as because of illness I cannot work. It is now 20 weeks since I made my complaint.:mad:

Malefic_2

Well, I signed up to say thanks to you all - I had a few PPI requests in and managed to get a cheque from Egg for £698!
Just waiting on the Halifax now - have signed the agreement form saying I am happy with 'all PPI payments with 8% interest' being refunded. Strange thing is, I would of put money on me saying no to the protection on my mortgage.

So fingers crossed I hear off them soon.

So thanks to you all for the inspiration to make me get up off me bum and claim it back!

klflosser

Barclays have not got back to me about the missing letter and cheque, and again nothing in the post. Have emailed CEO but doubt it willl iilicit a response.

precious12

digsby202 wrote: »

I rang them before I sent off the acceptance letter to confirm I could be paid into a 3rd party bank account, they said yes that wouldn't be a problem. How the hell could they answer my questions when all along I did not have PPI?
They truly are useless thank goodness I don't bank with them.
Not sure what to do yet but I think you are right, they will be more of us.

Hope you don't mind me asking when did you open the account and when did you close it because i think mine was 1998-2002 and because they don't seem to be keeping files for longer then 6 years i think that maybe thats what there going by.Someone posted on here that they no longer had he's file before 2002 so they went by a basic assumption when they worked out he's redress because he's still using the card.

sunny8_2

hey guys..congratulations to all winners today:j:j:j & good luck for tomorrow:T:T:T:Txx

jansey07

im a long time lurker , had offer on the 28th of august was given calculations today over the phone as another letter was ment to have arrived and didnt . not got the breakdown letter yet but the figure stands at 9052.92 and its all ours :j the card was paid off in 2008. thanks to all in the forum . :beer: