PPI Reclaiming successes and failures

loopyloz84

seandesigner wrote: »

Great news! When did you send your original complaint?

Hi

I sent my complaint in on 31st May, upheld letter dated 2nd September, calculations letter dated 16th September, payment in account today - 16 weeks and 2 days start to finish - not bad going for the infamous Lloyds TSB

seandesigner

loopyloz84 wrote: »

Checked my bank account this morning and Lloyds have credited my account with my refund, 1 day after receiving the letter in the post! To say I was surprised was an understatement :eek:

loopyloz84 wrote: »

Hi

I sent my complaint in on 31st May, upheld letter dated 2nd September, calculations letter dated 16th September, payment in account today - 16 weeks and 2 days start to finish - not bad going for the infamous Lloyds TSB

Thanks, I sent my complaint to lloyds on the 23rd June, so hopefully i shall be getting a decision letter from them soon!

sunny8_2

Morning Guys :D

Good luck to everyone today :p:p:money:

Just thought i would update you with an email i have just sent to the CEO of Clydesdale Bank due to them upholding 1 of my loans but not the other 3 due to the banks retention policy:(:( ( my account has been closed since the branch closed in 2006)....here goes..

"Good Morning.

I refer to my on going complaint with regards to reclaiming PPI on previous loans that were held with your company.

As you will be aware from previous correspondence, i have had several rolling loans with yourselves, however due to the retention policy that you have to legally adhere to, you claim to have no information held on file which identifies these loans and/or the PPI that was applied to them. You are currently upholding one of the several loans i undertook from your corporation, however, are unable to uphold the other loans - to which were all rolling loans due to having lack of information regarding these loans.

I am aware that you need to have this information to discover the details of the finance/ppi but my concern is the issue with the retention of my documents and non despondent request for previous, personal data.

As from previous correspondence you will be conscious that i have forwarded a DSAR to yourselves to try and obtain this information. I received my returned DSAR yesterday that states under the Data Protection Act 1998 you are unable to locate my documents as these have been destroyed. However, when the DSAR was returned there were no details/dates of any destruction/certificate of destruction relating my details, or, any data signed and/or certified from the data security officer that should have been bestowed to me to officially state that my personal data has been officially destroyed.

As i have worked within the NHS for several years i am knowledgeable with relevant legislation with regards to record keeping/data protection and freedom of information as these are guidelines that i have to adhere to myself, therefore, i am conscious of your retention policy that was legalized in January 2005 by the FSA in regards to record keeping and storage/destruction of data. However, i am also aware that documents are not destroyed once the 6 years retention is completed as they are stored in a centralized location. However, i am also aware that it is your discretion as to how long you keep the data, post 6 years. This has been clarified on several telephone calls with your customer service representatives, as i have called several times over the last two weeks to elucidate location and/or time limitations of stored data post retention period.

As stated previously, i have been advised by the PPI team that if i possessed the original agreements/account numbers, you would be able to deal with this issue, so, therefore if i provided you with the relevant account numbers, you would be able to locate this data immediately, therefore this proves that there must still be my personal data on file.


Your staff; Carol Craig & Gina Arthur -to which have been dealing with my case, have been most amiable, obliging and cooperative, and, i do appreciate the time that has been undertook to look in to my complaint.

I have contacted the ICO and FSA to gain advice with regards to my complaint who have advised me to speak with you again in regards to obtaining this information and you solving the issue by addressing all my previous loans. I am defiant that ALL finance was taken in consistent and identical situation. I personally have statements to prove monthly repayments that were made from my current account to my loan accounts, therefore, you MUST be able to retrieve this information as this is what i was provided with on the last request for information from yourselves some time ago.


The FSA Handbook produces guidance and regulations to which financial business's adhere to. I have been advised about guidance which states:

3.2.7.G: The firm should consider all of its sales of payment protection contracts to the complainant in respect of re-financed loans that were rolled up into the loan covered by the payment protection contract that is the subject of the complaint. The firm should consider the cumulative financial impact on the complainant of any previous breaches or failings in those sales.

3.3.3 G: The firm should recognise that oral evidence may be sufficient evidence and not dismiss evidence from the complainant solely because it is not supported by documentary proof. The firm should take account of a complainant's limited ability fully to articulate his complaint or to explain his actions or decisions made at the time of the sale

3.3.8 G: The firm should not draw a negative inference from a complainant not having kept documentation relating to the purchase of thepolicy for any particular period of time.

I request that you kindly reconsider your position and re-evaluate my situation and/or provide me with appropriate information that legally informs me of destruction of my personal data.

I look forward to hearing from you shortly."

What do you guys think :think:xx

patricia50

Hi,
Sent my acceptance letters to Lloyds on 23rd and 27th August but had had no figures back or anything so decided to e mail customer care and chief exec yesterday. Recieved a reply today to say they had recieved both and my refunds have been calculated by redress team today and a letter would be going out to me today with a breakdown of figures. Dont know if they are just fobbing me off but will be eagerly awaiting the post over the next few days. Anyone else had the same reply and if so how long after getting letter did they get money. By the way, this was for 2 credit cards.

IANC

Hopefully this will raise the spirits of some of my fellow Halifax complainants.

I was on the phone to my claims handler, being told that there was still no update, when she noticed a note go on the system to say that my CC has been sent for redress.

You could literally have knocked me down with a feather.

This basically means that someone now has to trawl through all 189 statements and put the figures into the system. Once that is completed, it will be checked and then a cheque will be issued to me.

They should be working on the loans as well in a different department, but no notes had been put on yet to the effect.

My cliams handler will check on Monday if nothing is heard before then and call me Tuesday with an update.

I know I don't have money, or even figures yet, but I'm all excited like a big kid :rotfl:

dizzeeblondee

Thats excellent news Ian:T, gives me a little more hope!!

lucygooseyb

loopyloz84 wrote: »

Checked my bank account this morning and Lloyds have credited my account with my refund, 1 day after receiving the letter in the post! To say I was surprised was an understatement :eek:

loopyloz84 wrote: »

Hi

I sent my complaint in on 31st May, upheld letter dated 2nd September, calculations letter dated 16th September, payment in account today - 16 weeks and 2 days start to finish - not bad going for the infamous Lloyds TSB

That's excellent news! Congratulations Did you request that it was paid into your bank? My letter stated it would be a cheque. I sent mine around the same time as you by the looks of it so fingers crossed I get a letter very soon!

loopyloz84

lucygooseyb wrote: »

That's excellent news! Congratulations Did you request that it was paid into your bank? My letter stated it would be a cheque. I sent mine around the same time as you by the looks of it so fingers crossed I get a letter very soon!

Hi

Lloyds seem to be taking 2 different routes depending on whether it's a CC refund or a loan refund - my offer letter for my CC asked for my bank account details, but the one for my loan asked who to make the cheque payable to

I also bank with Lloyds, so maybe that's why it's gone through so quickly

Congrats on your win, hopefully you'll get your calcualtions and cheque soon

bigk1972

i wrote to them saying i was missold one letter and 16 weeks later i have been given an offer and now waiting on them dishing the cash !! total refund £ 1826.00 :j:j:j why pay a company do it yourself record delivery all letters and keep a copy its worth it !!:T:T:T:T:T:T:T

manucelt

We got a letter today from the ombudsman finding in our favour against nemo finance (ppi) .After 33months all we have to do now is send the acceptance letter as nemo have agreed to pay back our payments plus interest plus compensation ,so don't give up, this has been along wait but now there is a light at the end of the tunnel.