PPI Reclaiming successes and failures

The_Marksman

Livvy1983 wrote: »

gutted to say the least cause i am actually broke i need this cash through to survive

sorry to hear your bad news, dont let it drop! get those 4 account numbers and pester them to find out whats going on!

dizzeeblondee

Livvy1983 wrote: »

gutted to say the least cause i am actually broke i need this cash through to survive

few of us in that boat.....keep at em, write an email to the CEO and complain.
It might not do much, well, actually a lot have had success from doing such, but at least it highlights your case as a little more urgent, and someone higher up the chain can look into it for you.
I wrote one yesterday morning to mine, and I got a phone call back later in the day. Felt a little fobbed off, but at least someone rang back!

Livvy1983

dizzeeblondee wrote: »

few of us in that boat.....keep at em, write an email to the CEO and complain.
It might not do much, well, actually a lot have had success from doing such, but at least it highlights your case as a little more urgent, and someone higher up the chain can look into it for you.
I wrote one yesterday morning to mine, and I got a phone call back later in the day. Felt a little fobbed off, but at least someone rang back!

Thanks Dizzeeblondee, do you or anyone else reading this have such email address i can abuse

Livvy1983

anyone had any joy with the 0845 601 2683 number ive been ringing now for 35 minutes and no1 has answered, does anyone have any other numbers to the lloyds TSB PPI claims line?

precious12

Livvy1983 wrote: »

Thanks i just phoned them and they "claim" i have no such claim even though i have gave them the number and i have the letter in front of me, cause i have 4 loans i have claimed for i have to get all 4 numbers and call them back before 5 ...... i officially hate Lloyds tsb i will never be banking with them again

I won't be banking with them either they upheld my claim 3 weeks ago and when it went to the calculations team they said i never had ppi on creditcards they really built my hopes up they all need to be fired they haven't got a clue:mad:

offcumden

mapleoak wrote: »

I wonder if anyone could help me and offcumden with the query on M&S calculations?

My figures were

£1260.82 for PPI charges
£850.22 Contractual Interest
£2.86 Statutory Interest

There were no details as to how these figures were arrived at but do they seem accurate? The CC ran from Oct 2003 until Sept 2010 with varying balances.

Regards

Originally Posted by offcumden
I posted a similar question a couple of days ago but as yet no response unless I've missed it
BUMP
Well I think I may be in with a chance of winning.
I received a letter yesterday, sixteen weeks after my original complaint stating that they are unable to respond directly on a case-by-case basis however, on this occasion they are prepared to uphold my complaint.
They go on to state that the offer £1771.42 will effectively return the premiums I've paid.
The breakdown of how the offer was calculated shows
Total amount of Insurance charged £1018.15
Contractual Interest £753.26
8% Statutory Interest £0.01

The CC account has been running since the 1990's and I have a
Certificate of Insurance dated May 2003 increasing the PPI monthly cost
to 75 pence per £100 outstanding balance.


Statements for March 2005 and June 2006 show outstanding balances of £3249 and £4400 with respective premiums of £23.89 and £34.16.
The Without Prejudice Offer letter does not give any detail as to how they have arrived at the figures or the period they cover nor any contact details other than a prepaid envelope. It does not state it is their final offer only that I may refer it to the FOS if disatisfied and that the offer will be withdrawn six weeks from the date of the letter.
I look forward to the experts thoughts and recommendations as I feel pretty certain that the amount offered is likely to have been understated

Still no guidance coming from others Mapleoak. Its more than likely not many people have reached this stage with M&S or possibly just been grateful to have their claim upheld they have accepted it.
For my part I fully intend to question how they have arrived at their offer and if they don't justify with dates and figures I will leave them in no doubt that I am more than happy to take them to the FOS.
I have to make a couple of calls to check out some information which I believe will help us both, if you can hang on over the week end I'll post as soon as I can:beer:
I have read your other post re the veiled threat

computerbuddy

Just checked my online banking and RBS have refunded my cash already, only sent my acceptance 20th September, am absolutely delighted to say the least as i thought i was going to have a battle on my hands. Hope all gets theirs soon. WELL DONE TO ALL WINNERS!! XX

Livvy1983

computerbuddy wrote: »

Just checked my online banking and RBS have refunded my cash already, only sent my acceptance 20th September, am absolutely delighted to say the least as i thought i was going to have a battle on my hands. Hope all gets theirs soon. WELL DONE TO ALL WINNERS!! XX

well done

Livvy1983

Livvy1983 wrote: »

anyone had any joy with the 0845 601 2683 number ive been ringing now for 35 minutes and no1 has answered, does anyone have any other numbers to the lloyds TSB PPI claims line?

thats an hour 10 now no1 has answered am i stupid for hanging on this long or just desperate to fight with someone regarding this haha?

dizzeeblondee

Livvy.....you're with the Lloyds banking group aren't you....?

PM on its way