PPI Reclaiming successes and failures

di3004

nutty_nat wrote: »

Thanks Di xxx :T:T:T

Your very welcome Natalie, I am sorry though for missing your birthday and posting late.:o:beer::j xxx

di3004

pauld1314 wrote: »

Hi All,

Just rang Black Horse, got through straight away. Spoke to a lovely woman who told me they had issued my cheque today:j:j

Also it was for 100 quid more than they had initially said:beer:
That will take it to £3739:beer: Hopefully see it soon:T:T

That is fab!:T Well done & Congratulations!:beer:

di3004

scamander wrote: »

pauld1314,

Do you currently bank with them? Sorry to go on a tangent but I bank with LLoyds and am awaiting payment - just concerned that they'll use the money to pay off some of my current loan.

Hi there

In my experience, if this loan is a settled loan, then you should receive the money direct to you.
If you were actually making a reclaim on the loan that is open, its possibly they will refund towards the balance, although it may not always be the case. You could double check on this by emailing them if you want to, good luck, and well done!:beer:
[EMAIL="Customer.Care.Insurance@lloydsTsb.co.uk"]Customer.Care.Insurance@lloydsTsb.co.uk[/EMAIL]

di3004

littlehenrydog wrote: »

I bank with Lloyds and they told me I'll have a chque and they DONT pay it off your loan as its cash you shouldnt have paid out. I cant wait for my cheque spent most of it already lol

Well done to you!:T Congratulations!:beer:

di3004

LynK wrote: »

Another one upheld today, M&S Money, loan for 5k over 5 years refund £1827.60. Forms signed and posted at lunch time. So far that is

M&S Money, upheld
Alliance and Leicester Credit Card, upheld,
MBNA (oh) upheld
Barclaycard upheld
Dorothy Perkins Store Card rejected now with FOS
RBS CC rejected, have appealed to RBS
Santander (computer bought from First National) rejected appealed to Santander
M&S Credit Card still awaiting decision.

What a roller coaster these past few months have been. I know I have at least one old loan with Santander and one with Alliance and Leicester which had PPI but both date back to early 90's so can't do anything as they no longer have details, nor do I. Still vvvv happy with my lot.

Thankyou again to everyone on here, without all your advice it would never have been possible. Big hugs.

Excellent Lyn :T:j That is so fab! Congratulations!:beer:

di3004

cloudburst wrote: »

Has anyone had payment from HFC/Beneficial yet? I know payment can take up to 28 days, but has anyone had payment before that?

Thanks

Hi there

Am awaiting, and expecting date of the refund is around the 16th of this month, something like that.;)

di3004

leveller2911 wrote: »

Received 2 cheques today total of £3,958-00 but I'm yet to receive any settlement letters.Is it just me or has anyone else been sent cheques and no settlement letters?.. Its the Halifax BTW.....

Must just add a thanks to this website for fighting for justice and its so nice to finally see the Banks being hit where it hurts.FWIW my case was soley down to me being self employed and mis-sold the umeployment benefit aspect of PPI.........

Well done on your success!:T Congratulations!:beer:

I've not direct dealings with Halifax, but it does seem that a few have experienced this, however they should be sending the letters to you, but am wondering if these have got mislaid within the post somewhere, maybe worth giving them a call to make sure, well done!;)

di3004

Bobbeenz wrote: »

Hi Guys, new to this so be gentle.

Recently posted Questionaire off to Norton Finance about a loan i had in 2002. Paid off early so was over 6 years ago. Quick rply from them. Knockback.
Grounds for knockback are that it was over 6 years ago and that they were not regulated by the FSA and not a member of the General Insurance Standards Council, therefore they state that the FOS will not consider my complaint as it falls outside of there Jurisdiction.
Anybody got advice on what to do next? Or shall i just let this one go? I have all the old paper work for the agreement and am kicking myself for not doing this earlier!
Thanks.

Hi and welcome

The FOS as you know are unable to investigate against a company not regulated, and many have been caught in this trap.

However, the Underwriter/insurer would have to be regulated and in these instances the FOS will suggest this avenue as another direction, they will investigate what liabilities these had with the broker when the PPI was sold to you.
Give the FOS a call anyway and explain the situation and let us know what they say, good luck.
http://www.financial-ombudsman.org.uk/contact/index.html

Bobbeenz

di3004 wrote: »

Hi and welcome

The FOS as you know are unable to investigate against a company not regulated, and many have been caught in this trap.

However, the Underwriter/insurer would have to be regulated and in these instances the FOS will suggest this avenue as another direction, they will investigate what liabilities these had with the broker when the PPI was sold to you.
Give the FOS a call anyway and explain the situation and let us know what they say, good luck.

Thanks for the reply.
The underwriter was Endeavour Personal Finance and i think they no longer trade. I will Contact FOS and see what they say though. Thanks again.

di3004

Bobbeenz wrote: »

Thanks for the reply.
The underwriter was Endeavour Personal Finance and i think they no longer trade. I will Contact FOS and see what they say though. Thanks again.

Hi there

My Endeavour reclaim was dealt with by the HFC who deal with this for you, mine was just successful, so do make a reclaim through these as I did.;)
Even though my letters still have the EPF logo its HFC that will deal with your case, hope this helps.

http://www.hfcbank.co.uk/html/payment_insurance.html

And the emails i used to be in touch with these are through HSBC who will look into matters for you too.

[EMAIL="chiefexecutivehsbcbank@hsbc.com"]chiefexecutivehsbcbank@hsbc.com[/EMAIL]

Good luck.