PPI Reclaiming successes and failures

Banks0mewin

mattyR wrote: »

Anyone had a payment from Barclaycard recently? Not seen any monies received of late?

Phoned again this morning....acceptance recieved by them 1st september. Guy would not budge from the "8 weeks from date of acceptance" speil....assured me that 27th October would be the latest.

Annoying really as I'm gonna pay off the balance on my card but have already paid one months interest and now looks like another!!

Hi mattyR,

I have been waiting on Barclaycard aswell, they received my acceptance on 09/09/11 I keep getting fed the 8 weeks bu***it as well.Not happy others have paid out quicker within that time scale.:(:(:(:(

Banks0mewin

Hi All,

Spoke to the Halifax today and no movement from the obligatory 'no calculations yet' statement. Been waiting 7 weeks from acceptance receipt. ..this is wearing a bit thin now....waiting for 3 CC calculations..

Also contacted the FOS regarding this they stated to me that they 'expect' payments to be made within a 8-10 week time frame.:(:(:(:(:(:(

Anyone else told this by the FOS?

Matryoshka

ajward wrote: »

Phoned the halifax today .........They have given me a figure over the phone

Someone will come along soon to do the calculations. I'm so jealous as Halifax did not give me any figures when I called them. They just said they'd started payment process. Oh well, it'll be a good surprise, I hope

Banks0mewin

ajward wrote: »

Phoned the halifax today and was informed after 7 weeks from sending the acceptance letter I have a letter en route :j They have given me a figure over the phone but wondered if anyone could advise if the offer is correct. Its mortgage PPI by the way with the original loan of 41750. Payments were as follows -

Thanks in advance the offer was around £5280 which was payments refund and 8% simple interest.

Year 2000 14.46 * 12
Year 2001 13.83 * 12
Year 2002 13.17 * 12
Year 2003 12.90 * 6
Year 2003 37.32 * 6
Year 2004 38.82 * 12
Year 2005 38.54 12
Year 2006 22.02 * 12
Year 2007 23.06 * 12
Year 2008 41.41 * 12
Year 2009 34.61 * 12
Year 2010 34.61 * 12
Year 2011 34.61 * 7

Well done on your win!!!:j:j:j

Dizzywithmoney

Dazzarazza wrote: »

Well I have given up on the cretins at Natwest for today. I did find a fax number by dialling the next number to the telephone number I have as their contact number.

0161 755 6891, so I have sent this a fax asking them to call me, thought it was worth a try. Not sure if this is on the letter I received as the fax number, as don't have the letter with me at work.

I started ringing them this morning dead on 8 am on the 0161 number but it cut off in the end so I tried the free number 0800 (the letter is downstairs) and that is the one they answered at around 20 past 8 am I think it was this morning.

Not that I got any joy really just over and over again told "we endeavour to pay you within 28 working days" - mine is now overdue!!

Hope this helps

Kuffs1978

A massive sigh of relief has recently been heard bouncing off the walls of a little flat in East Oxford.
After a very long process it has emerged that the Ombudsman also ruled in my sister's favour and calculated that the PPI would have totalled £1930.04 if it had gone full term. I reckon this works our at about £32.16 per month.
However, the policy was cancelled after 43 months, and the ombudsman has agreed that the premiums should be refunded, plus 8% per annum, and £200 in compensation. Would anyone with a better knowledge of maths be able to give a rough estimate of what this equates to? Our minds are somewhat frazzled after today!

dilus

Silverbird wrote: »

Huge congratulations on your success.

Just so you know, MSE does indeed have its own charity. Two thirds of the funds go towards grants towards individuals and groups to provide education and information about consumer debt issues and the remainder goes to five general charities nominated by site users.

https://www.msecharity.com/Default.aspx

I donated there myself after my husband was successful with credit card reclaiming a couple of years ago.

Hope this helps any of those interested.

Thanks Silverbird, that's good to know. Will certainly donate if, (sorry WHEN successful)

knight_of_ni

Just got a letter from Halifax offering to repay over £11,000 for mis-selling PPI on our mortgage. We were told in branch that the PPI was compulsory for the mortgage 8 years ago. Just sent a letter using the MSE templates.

Many thanks MSE crew.

sara1978

smitchy73 wrote: »

Sorry about the coffee sara, hope your pc screen can be cleaned easily, :rotfl:

Not had payment from RBS but did get my offer letter on Saturday and signed and sent back acceptance which was received yesterday. On the count down of the days now.

Did you count the 28 days as working days? Or just days, adds on a couple of extra weeks. Hope you get your money soon though.:D;)

Hi Smitchy
Good Luck with your RBS countdown...hopefully you will be spending within 28 working days
I've counted 28 working days from the 5th September (I've been generous as they got my acceptance on the 2nd) so it should be in tomorrow :undecided:undecided

clarksdore

I have today received a cheque from Egg for £3116 and am very happy thank you Martin

also I sent this email to Martin at Daybreak as I think something fishy is going on. However today I have sent a letter asking them for all statements and agreement so heres hoping.

Just wanted to run something passed you regarding PPI. My husband has for quite a while been asking me to check to see if we had been paying PPI on any of our credit cards and loans (which we have had many).

Because most was done on-line and they are now settled and closed as we paid them off last year (although we have a Cahoot and Virgin which has PPI on so making a claim against them). I did not have the other account numbers or any other information required to complete the reclaim forms, also I was not sure if we had been paying PPI. Anyway the other week I checked on Experian and found all the names of the banks where we had credit from and the date started and dates when we cleared the accounts which was great and a good start, then I was checking something on my bank account and I noticed that they keep a record of card numbers which again was fantastic so i filled out the form with as much details as possible stating that I wish to re-claim any PPI paid this is directed firstly at EGG. I sent all letters by recorded delivery.

Anyway we both got letters back from EGG saying that they had received our complaints and would deal with them in the specified time required. Then a couple of days later my husband received a letter saying that he had never taken out the PPI and therefore not paid it and not entitled to a reclaim so they had closed his complaint, but in the letter at the bottom it says, "Unless you are able to provide any additional information or evidence, which would affect the decision your complaint will remain closed". So we thought OK then obviously we didn't pay PPI and left it there.

He took his card out in Jan 2002 and mine in June 2002 the same year.

Anyway the other morning something prompted me to see if we could access his egg account, then we decided not to bother as we asked for the account to be closed as they had put our interest up from 16% to something like 24% when we have a good credit, so we probably wouldn't be able to access the account. Then at teatime on 29th Sept something prompted made me to think I'll check on my account so I logged on and could not remember my password so phoned them and they reset my password, I logged into my account and to my surprise the account was still there and I was able to get statements back to October 2009 and there was PPI at approx £45 plus added to my statements. You can imagine how happy I was. Anyway I tried to copy them out put my printer was not working so I saved them onto my computer. When my husband got home that night around 10pm we phoned egg to ask for them to reset his password which they did and when we logged we could not get any of his statements and it said that no egg accounts to display at this time which we thought was very funny as I could access mine back to October 2009. THEN on the 1st October I got an email saying that I had got a secure message on my egg account so on the 2nd October I logged on and low and behold all my statements had gone and it was displaying "No egg accounts to be displayed at this time" same as my husbands, which I find a bit suspicious as we had made claims and they have taken our statements off (lucky for me I had saved mine on the computer). I have sent them an email today 3rd October asking them why my statements have vanished so am just waiting for a reply. But I think there seems to be something fishy considering them statements must have been on my account for two years then we try and make a claim and they all of a sudden disappear. I am still waiting a reply from my claim. I just wondered if you have heard anything like this before and can you advise me if there is any other way in which we can get my husbands statements. I will email them today and ask them also.

Also I contacted CAHOOT asking for a copy of my statements and they said that I will have to pay £5.00 per statement, is this right??

Sorry to go on a bit but it just seems very strange to me and I feel that something underhanded is going on.
:j:j