PPI Reclaiming successes and failures

Matryoshka

clarksdore wrote: »

it said that no egg accounts to display at this time

With all the info you've gathered, you can take them to the cleaners :mad: Luckily, you'd saved your details. Tell them you're taking them to the [STRIKE]News of the World[/STRIKE] Sun newspaper

smitchy73

Kuffs1978 wrote: »

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!

Well done kuffs, glad to hear you and your sister have got a result, hope she gets her money through soon too.:D

dilus

clarksdore wrote: »

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

CONGRATULATIONS Clarksdore :T. Don't mention EGG to me, had dealings with them on a totally unrelated subject a number of years back, nothing but a bunch of lying cheats and I am so glad that you have caught them at it, yet again :D:D

Topkapi

sara1978 wrote: »

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

They received my acceptance letter on 5/9/11 as well and when I rang them a couple of weeks ago the lady said "let me look at my chart - oh yes the money will go into your account on 12th October" so woe betide them if it is not in my bank tomorrow. If she had said they were running late with paying out them I would have accepted that, but no she just gave me the date and ended the call. Watch this space.

dizzeeblondee

Banks0mewin wrote: »

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?

Yup me, which is why I got twitchy and emailed the CEO about it as you know. Its fine to dangle the carrot with the small amounts first, but I need the big ones to sort out a whole matter of things that have been on hold, whilst waiting for them to pull their socks up.:mad:

Its like people have said on various threads, I get charged 12 quid for late payments on CCs, if I'm unlucky I get charged a fortune on phone calls( luckily I don't), I get letters of demands if I don't fit into their timeframes........flippin heck where is Anne wotchermacallit to poke them with big sticks:rotfl:

I'll bet you 50p and a sticky sweet we'll be laughing next week when they finally decide to post them:D

amersall

thank you, i appreciate the help

it is so tempting to buy/ cover debts knowing the figures and everybody is guilty of it and i just wanted to nudge people into thinking first
(abuse to follow im sure).

As
a) this may be the chance
to be debt free
b) to manger debts without ending up in more debt.

No one here is here to offend, im just looking out for you all honest :d

personally i cant understand it, i've backed you up on the thread as well to say that everything you said was true, i'm as guilty of doing it, holding back on the spending though, have a clear cc to use but resisiting spending on it, at least this has taught me something anyway.:d

??????????????? What gives guys?.

RosieBrock

Andstillwaiting wrote: »

HI... I have been reading the posts with great interest, we had a large loan £15K with RBS about 5 years ago, we repaid it early as we remortgaged our ex house, the ppi was £5K on the loan and over 5 years payments were £520 ish a month, we put a claim in with RBS September 2010 and were told to go away in so many words, so we filed with the ombudsman, just found an email from them dated March 2011 telling us our case was still waiting for an adjudicator, we then got a letter in July telling us that our complaint had been successful and that we were going to made an offer as a gesture of goodwill, bearing in mind they owe us about £5K plus interest, I think we are looking at something around £9K, give or take a few quid..... to date nothing, cannot get through on the phone, letters sent recorded, no reply..... I know its a matter of time, but I really want to go on holiday at Xmas!!... looks like it will be turkey at home then... I will keep reading the posts... makes me feel a lot better to know that other people are in the same boat...

Write to Sir Philip Hampton, Chairman of RBS with a complaint about the inability to get through. I had this problem. I was ringing them at 8 am when I got into my office and always their systems were down. They would say call back later and then I could never get through.
Sir Philip Hampton
Chairman
Royal Bank of Scotland
36, St Andrews Square
EH2 2AD

I still haven't received the £150 promised in compensation for all the hassle they caused me during the process of claiming the £4,800 due (which I did get in the end) but I got a very apologetic letter. They are one of the most inefficient banks, and in deep trouble as you probably know with their credit rating downgraded (not that I have any time for those people at the ratings agencies who helped get us into the economic mess in tghe first place).

amersall

Kuffs1978 wrote: »

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!

:j:j:j:j AT LAST :beer:
Not too good with calcs,but the ppi you paid for 43 months =1.382.88
plus 200 =1.582.88
Look here for the bank charge calculator
http://www.moneysavingexpert.com/reclaim/bank-charges#step2

Put the month year and date of each ppi payment and it will keep a total of the ppi you get back and the 8%,just add the figure above to the 8% total and that is what your sis will get.

sara1978

Topkapi wrote: »

They received my acceptance letter on 5/9/11 as well and when I rang them a couple of weeks ago the lady said "let me look at my chart - oh yes the money will go into your account on 12th October" so woe betide them if it is not in my bank tomorrow. If she had said they were running late with paying out them I would have accepted that, but no she just gave me the date and ended the call. Watch this space.

Good luck Tokapi....have got my fingers crossed for the both of us !!!

smitchy73

amersall wrote: »

??????????????? What gives guys?.

amers, it was in relation to something marksman had said on another thread, i think it was lloyds payment timescales, where several people didn't like his points about not spending or using the ppi redress for specific timescaled things before they actually have the money in their bank accounts. ie the bank tells you they'll give you the money in ten days time, so they pay a deposit on a car and to pay the rest by a certain date, and low and behold the bank doesn't pay out on time and they lose the car and the deposit they paid on it.