PPI Reclaiming successes and failures

di3004

Congratulations to all new winners since I posted earlier today, well done to you all :beer::beer::beer::beer::beer::beer::beer::beer::beer:

RosieBrock

Wishwell wrote: »

Received a settlement letter for PPI on a Natwest loan this week for £10,700 - delighted as it clears the remainder of the loan. It will be so lovely not to have to think about that any more, fantastic. Letter sent beginning of May, letter states it will take up to 28 days for payment

Wishwell wrote: »

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It's made my day!

Well done Wishwell. :j

I have posted before about getting a 'goodwill offer' of £4,800 from RBS (who own NatWest) for a PPI miss-sell on a £25,000 Mint loan (owned by RBS) on September 5th. But not posted in detail about what happened next.

RBS PPI said in their offer letter, it would take 28 days to send cheque on receipt of my acceptance letter. I sent an acceptance letter to them by registered post next day. On 16th September I received a letter instructing me to attend my nearest RBS Branch to prove who I was. This despite them having address, telephone number, loan account number, and details of loan and early settlement made. I could not call the PPI team as they only work 8-5 Mon-Fri and I leave for work at 7 am and arrive home at 6pm (on a good day). But lengthy telephone calls on the Friday evening with NAT WEST personal banking, with whom I have been a good customer for 41 years, elicited the information that they could not verify who I was with RBS as although RBS owned them (and yes we own RBS as bail-outers), the two banks were only connected in a limited way. This meant they could not guarantee that if I attended my nearest NatWest bank to get them to verify who I was by my offering my passport, I would have to travel to my nearest RBS branch.

Anyone who knows about RBS will realise they are closing branches all over the place. There are none where I live in Hastings. My nearest was Eastbourne, 20 miles away. However, it was closed on a Saturday. The only one open was Brighton, until 1pm. I work so cancelled all my Saturday appointments, drove to Brighton, 47 miles away, but because I have osteo-arthritis, walked too slowly after parking, and arrived at 1.05 pm and the bank was closed. Ruined the weekend and cost expensive petrol.

I wrote to the office of RBS chairman Sir Philip Hampton outlining the tale of woeful practice I had been subjected to while emphasising the fact that NATWEST feels it has no role in verifying my identity with RBS to whom they feel disconnected, despite the relationship of ownership and despite my own lengthy banking with them.
On Monday at 8am on arriving at work I called the PPI team. I spoke to someone who was pleasant but could do nothing to help as their systems were down. She suggested I called later. I did, within working hours which was difficult, but I could not get through. I tried for 20 minutes.

On the Tuesday evening (after hours) I received a call from a PPI team member telling me that I would not have to travel to Brighton the following weekend. His phone call was odd. But he said I would receive my cheque 28 days from his phone call to me - making it 41 days not 28 days, thus going against the offer-letter timescale they had set and offered, adding insult to injury.

On Thursday this week, three days after posting the letter, I received a call from 'Laura' from the complaints to senior managers' office sited within the PPI complaints team.

It was a call to my mobile during my busy working day when she wished to investigate the complaint to Sir Philip Hampton, Chairman of RBS This took quite some time.

I pointed out that I should not have to wait a further fortnight on top of the 28 days. She said she was trying to see if my cheque could be raised that day and posted. But she was more interested who it was within NATWEST who had said that they could not verify who I was. Yet it was RBS who had told me to go to an RBS branch-emphasised in bold in their letter instructing me to do so.

If I hadn't bothered to try to go to Brighton or to call NATWEST and write to the RBS chairman, I would still be sitting here and my cheque might or might not have arrived.
Salutory lesson to all you who are being mucked about to be determined and seize the day. (But the cheque has not arrived yet!):)

RosieBrock

dizzeeblondee wrote: »

copied from the non sticky Halifax thread, a tiny little bit of hope, for those thinking they don't actually do anything!!!


Well, I decided to make a second call this week, after the helpful fella had apparently passed on my phone numbers to a manager.....and I got no reply. I'm not usually impatient, but i thought I'd be a little cheeky.

Yesterdays co-incidence was day 22, minute 22 of being on hold. Todays co-incidence was getting through to the same fella as I did yesterday:D (chances being slim with the likelyhood of 100s working in a call centre)
He had a look, and it has definately been passed on to the manager of the redress dept:T. My CC has been put through first....although, he did state, honestly, that doing that job can take up to three weeks, as they have to request statements from the archive dept. I understand from on here, that CCs can take some time to redress, as its complicated. He honestly didn't know if 'urgent' would make any difference.
He had to double check, he'd requested all five cases to be looked at as urgent, he joked he was ready to 'jump out of a window now' if he'd only requested one of my five:rotfl:

So, no news, is possibly good news, at least my day was brightened knowing there are helpful people in amongst the ones that don't care if theres nowt on the screen in front of them!!

For those wondering whats so urgent, my OH lost his job a month ago.....my overdraft of impending doom is on its last legs, and I'm tearing my hair out, as theres no pennies hiding down the back of the sofa!!!

You are doing the right thing. Keep at it. Write a letter to the top brass. Must be incredibly worrying for you both. Keep my fingers crossed for you.

tonenjill

After 15 months guys i finally got there, when i look back at the first negative letter i recieved from lloyds to try and claim back our missold ppi it makes me laugh, they did exactly what you said they would , refuse. said it was what we wanted, we knew this we knew that etc.
So after a long battle, today we recieved our bank transfer payment (not a cheque) for a whopping £24,332.51p yesssssssssssssss
from start to finish, you guys have been brilliant, and although the banks finally gave in, i know i couldn,t have done it without you. i had to wait an extra week as apparently with it being such a large sum it needed extra red stamps whatever that means before transfer could be made !!! the above figure included 8% interest plus 2.5% base rate which i didnt understand but wasn,t going to argue. Our initial figure in mind was approx 21 k and the f.o.s calculated it at approx 22k. so needless to say ime well chuffed.

Thnx very much to all concerned, ime well impressed with everything you have done for me and my familly. good luck to everyone else with there claims.

Tony x:T

RosieBrock

precious12 wrote: »

Wishing you all the best with your claim i'm sure the FOS will go in your favour if thats not a mis sell then i don't know what is:mad:

Me too -wish you all luck. Don't give up please. FOS are delayed in sorting out complaints on refusals it is true, but persistance will pay off eventually.

Sandyhills

spaniellover wrote: »

Hope it is done and dusted for you, there is so much conflicting reports, I dont know what to believe. First Plus have only sent me one update in July. I seems you have had your complaint upheld with time to spare so well done, mine on the other hand is overtime.

Ichecked tnite with them and they told me that I would have only one chance to accept what they were offering and then I would need to take it to the FOS. I have not had any correspondence from them all the business has been done on the phone after I had sent them the paperwork that had all the bits and peices about the loan and it showed the PPI on it. WHat did you submit to them and when did you submit it.

sunny8_2

hubby had a credit charge card (First National Tricity Finance-GE Money) going back to 1998...balance of £1700..£15.00 PPI going on every month til we paid it of in 2008!!!! We only realized when shredding old things 2 months ago . Wrote to Santander..their response was that because it was so long ago they did not know how the PPI was sold therfore they can not do anything - :mad:Final Response:mad: ! I wrote & told them how it was taken, didnt know he had it, ect (which terribly was the truth i am ashamed to say)..but still they will not budge, so while on to the FOS regarding something else, i asked him how to go forth with this ...he replied by saying my OH could ring Santander & find out who the underwriter is, and take the complaint to them...so here we are..:o

Any one have any advice with regards to these kind of things:):)....xx

amersall

jo-urney wrote: »

ok, ive looked again at my paperwork and just as i was about to ring the fscs to ask about future interest i will be paying but havent been compensated for, i saw the following: "The compensation only covers actual losses. It does not aim to cover future or hypothetical losses"
so i wont get additional interes - but then again, i have been given the ppi total amount back , minus my rebate - but havent been given back what ive paid out in premiums. god im so confused - should i get the ppi amount back, and the premiums too? or is that wrong?

Hi there,you have the correct redress for FSCS,it is only compensation they pay.
Dont know if it will help,but you could ask FSCS if you cancel the ppi,do you get this back,this is what happened with Welcome customers through FSCS.
If you get the ppi back if you cancel,i would put this to reduce the loan and thus reducing the interest.

amersall

di3004 wrote: »

Well done to all today's winners!
Congratulations to you all! :beer::beer::beer:


Also just to update you on my Hamilton/Endeavour now under HFC are refunding me......
£2619 PPI & Interest
£250 for the Inconvenience and distress this has caused.
This was discreetly because of the wrong information from them since 2008.

Total = £2869 :beer::beer::beer:

:j:j:j:j YAAAAY :A:A:A:A You deserve this :D:D just for your sheer endurance :T:T:T:T:T

amersall

sunny8 wrote: »

hubby had a credit charge card (First National Tricity Finance-GE Money) going back to 1998...balance of £1700..£15.00 PPI going on every month til we paid it of in 2008!!!! We only realized when shredding old things 2 months ago . Wrote to Santander..their response was that because it was so long ago they did not know how the PPI was sold therfore they can not do anything - :mad:Final Response:mad: ! I wrote & told them how it was taken, didnt know he had it, ect (which terribly was the truth i am ashamed to say)..but still they will not budge, so while on to the FOS regarding something else, i asked him how to go forth with this ...he replied by saying my OH could ring Santander & find out who the underwriter is, and take the complaint to them...so here we are..:o

Any one have any advice with regards to these kind of things:):)....xx

The person at FOS was right,find out who the insurer was and make a complaint to them,if they come back and say no,the FOS can deal with this.