PPI Reclaiming successes and failures

spaniellover

Has anyone got the email address of Bob Diamond, think I might need it

PINKLINT

Hi I am a long time lurker but this is my first post so please be gentle!

I currently have four claims for missold PPI in with Black Horse each one is a personal loan and each one paid the previous one off early (hope that makes sense!). Right from the very first one I was told that unless I took out the PPI I wouldn't get the loan as I had a mortgage in just my sole name and also I had a not so good credit rating. On the loans after 2002 they also said that as I was a single parent that I certainly wouldn't get the loan accepted without it!! How young and silly I was back then to believe this!:mad: I have always been in employment and my jobs have always had good sick pay i.e. full pay for 6 months and then half pay for six months and I pointed this out in my meetings however again was told I wouldn't be accepted without it.

I know that this is what happened as I do have a very good memory (my DH says its a curse!) and I can even remember the name of the person who processed my last loan and that was back in 2005!

Anyhow the reason for this long ramble is that yesterday I received a letter from BH in respect of the first loan and the claim hasn't been upheld they have sent what seems to be the generic letter stating I would have had it all explained to me and that I had 30 days to cancel and therefore they don't think it was missold."

Well yes they may well have explained to me what it covered and that i had 30 days to cancel but they also said i had to take it out or not be accepted even when i said I was covered for sick through work!!

So my question is how do I take it further as I do not intend to just leave it there! Can I go back to BH or should I go to FLA as they suggest?

Sorry its so long!

Any help will be greatly appreciated x

Craig191

Result
Found my letter last night, £5400 on its way to me. (soon I hope)

As my card is still active, do they take this amount off my card balance, reconstruct the balance and refund me the above amount?

This will effectively clear my card, except for bout £200. Am I correct im reading it this way??

Please put my mind at ease

Its Lloyds tsb by way

dartsman

Hi might have posted this in wrong thread but was just wondering if anybody can give me some information , i took out a commercial mortgage (paid 2% over the base rate) with Newcastle Building Society for £27500 in June 1988 paid it all off in December 2007 for 17 of these years i was self employed which reading on the internet i would not have been able to claim if i had too...the question i would like answering is could it be possible for my repayments to have included MPPI , i tried to phone them this morning but no one could help me got to phone back on Monday,,,,if i have a claim anybody any idea what i could recieve?

pineapple123

pineapple123 wrote: »

Hi
Just after some advice from you guys regarding mis sold PPI's Have only started to take note of whats its all about and need some help. Have looked on Martins page and on here but just needs abit of help.

Briefly Hubby had a PPI from peugeot financial services(administered by london general holding) 2003 for 6 years I believe looking at the paperwork I have it was missold so who do we need to contact.
also Hubby has ppi on 2 bank loans in 2006 (? when started and finished) and 2 CC stopped last year.
I have details of CC but not of loans , I think he was missold on these also, can he claim on the loans and how would he go about it.
Sorry for so many questions, He may get nothing back but i suppose its worth trying for.
Any reply will be great. Thanks.

Thanks Amersall for your reply just need abit more help have downloaded template letter - consumer questionnaire
to peugeot finance also found all documents from the agreement, def been missold cant believe how nieve back then, but now need help has anyone got the address for this company as not at prev address also need info from bank for prev loans do I need to ask local bank who agreed loans or do I need to write somewhere else as I have no paperwork just a few bank statements from 06.
Thanks.

Red_peppers

amersall wrote: »

:D No fingers crossed needed:D:D:D this is a win if you get a no ,let us know and we will help you take it further.

spaniellover wrote: »

Has anyone got the email address of Bob Diamond, think I might need it

Robert.diamond@barclaysplc.com

oorbrian

:j:j:j:j:j:T:T:T:T:T
Hooray. Just got 5 offers from RBS totaling £11189.14:beer:

I claimed for 3 loans and a credit card but it appears so far they have linked 5 loans as all appear to say Loan Account?
My problem is that it does not state when these payments relate to. I know i went through a spell of adding to loans 6 months after taking out last one so that is about right.
At the start of the process in September last year i went with a claims company as i knew not a jot about PPI. They have three loan claims and a credit card claim on their books. How do i know which ones are with them and which ones are not?
I also think there is more to come including my credit card. Do they come separately does anyone know?
Also if i phone them will RBS tell me what time the loan refund covered as i am a bit short on paperwork for most of this?
i want this info before sending my acceptance as i dont want to pay the CMC any money that they have not earned( if you call sending one or two letters in a year earning £3000!)

Still it is great to have my own money back and as i was made redundant yesterday it will help me have time before i need to find a job full time

Congratulation to all successes and good luck to all waiting.
A curry and a little vino for me i think:money::j:beer::T:rotfl::rotfl::rotfl::rotfl::rotfl: and perhaps a little one for all the people on here that have helped and informed me and millions of others. Gon Yursell Marty Boy!:T:T:T

allofushere

loopyloz84 wrote: »

Hi Guys

Bit of hope for those waiting for calculations from Lloyds - my offer letter came out dated 2nd September and this morning the calculations for my credit card have arrive dated 16th September so a 2 week turn around for calcs which doesn't seem too bad. I wonder how long it'll be before payment though

There isn't a detailed breakdown of the refunded premiums and interest so I thought I'd give Lloyds PPI department a call. After being on hold for about 15 minutes, the hold music was interrupted by an announcement which I though was going to be the usual "all our agents are currently busy etc" but instead it was "our building has been evacuated as the result of an emergency" - got to be the best excuse I've ever had for them not answering the phone!!!! :rotfl:

Update - the emergency must have ended at Lloyds as I got through to them eventually. They went through my refund with me and turns out is is actually correct as I cancelled the PPI cover a year before I cancelled the card which I'd forgotten about so was expecting another year's work of premiums and interest that I wasn't actually entitled too!

My refund breakdown is £710.35 in premiums + £177.45 apr interest + £263.47 8% simple interest = £1,151.27 in total not bad considering I only made PPI payments for 23 months

Hi, I ve received my offer today:

difference between the actual ad revised balance: £2437.58
Credit Interest at 8% per annum £32.91
Total £2470.49

I took my card out in 2002 and i cancelled ppi in June this year.
I only have full records for 2008 to present and my ppi paid in this 42 month period is £1154.17. Obviously there is a further 5 1/2 years to add to this. I realise giving a definite answer is hard to give to this but can anyone tell me if my refund seems fair? I dont want to sound greedy but it seems a little short to me. If so what do I do??

oorbrian

:j:j:j
Full of it today:T
Another question i have!!
Some of my loans were in joint names and the FOS wrote to ask my OH for her permission to proceed. Do they ( RBS) need to inform her re any refund that she has signed the loan as joint for ( if you know what i mean) If so they have not as all are in my name on claim breakdown. She is over the moon about the amount but wonders if there is more to come for loans which she was a joint signatory. Surely they would inform both parties of a joint loan just in case they were not an item anymore and one was trying to take the money!!!:(
Also do banks keep the same PPI reference number throughout the process from claim to payment?
If so all the ones i received today do not correspond to the letters i have from PPI correspondance from RBS via CMC

allofushere

allofushere wrote: »

Hi, I ve received my offer today:

difference between the actual ad revised balance: £2437.58
Credit Interest at 8% per annum £32.91
Total £2470.49

I took my card out in 2002 and i cancelled ppi in June this year.
I only have full records for 2008 to present and my ppi paid in this 42 month period is £1154.17. Obviously there is a further 5 1/2 years to add to this. I realise giving a definite answer is hard to give to this but can anyone tell me if my refund seems fair? I dont want to sound greedy but it seems a little short to me. If so what do I do??

Just got off phone with customer services and they told me that the £2437.58 was purely my total premiums paid. I was under the impression they had to pay interest due to the premiums increasing my card balance. Am I wrong???? Any help would be appreciated.