PPI Reclaiming successes and failures

susiesweetlips

Hi friends,
Well, I feel as if a lot of you are friends. Although this is my first time posting, I've been lurking in the background a long time, reading the forums - mostly the funny threads. Awhile back, though, I started reading the PPI threads and decided to follow Martin's advice on claiming back my PPI which I genuinely felt had been missold. I'd previously tried (twice) to claim on it for long-term illness and twice they wriggled out of it on a technicality which I was not made aware of at the time of taking it out. Basically, I had an accident and hurt my lower back which incapacitated me for about 9 months. When I tried to claim on the insurance, they said that it wasn't covered as I'd previously had a strained muscle in my upper back/neck (whiplash about 6 years perviously following a car shunt)....this was only muscular - had all the tests at the time and it cleared up with some simple painkillers and a couple of weeks rest. However, when I hurt my lower back (had a slipped disc demonstrated on x-rays), they said "a back is a back".
Anyway, after reading the forum, I decided to lodge a claim for mis-selling. I followed Martin's claim plan and filled in the form, printed it out and sent it off to Barclaycard. I got 3 delaying letters - each time puting the response date further and further off.
Today, however, I just received their letter saying they upheld my complaint and making me a first and final offer of - wait for it - can hardly believe it myself - a whopping £62,784 !!!!!
So needless to say, I'm a very happy bunny today and wanted to say a HUGE thank you to Martin, his team, and all you helpful forum people.....you really are a great bunch of people and I just wanted to let you know, if you are thinking about it, or are waiting for a decision - don't give up hope.
Thanks again friends
Louise xxxx

littlehenrydog

Hi I know Ive posted in a different thread but when checking my online bank my loan has been reduced my £4200, the redress my cal letter said I was to recieve £9300. Any idea why my loan has been reduced? Ive not asked for the redress it to be taken off my loan (the cash was/is to pay other debts) Im now very confused and worried ;(

Matryoshka

susiesweetlips wrote: »

Today, however, I just received their letter saying they upheld my complaint and making me a first and final offer of - wait for it - can hardly believe it myself - a whopping £62,784 !!!!!

Frickin' hell :eek: :eek: That's a mighty fine offer :j :j :j :T

iounowt

thanks smitchy will phone today hope i get an answer they aint good at answering phones:mad:,i didnt have any arrears tcx

-SDW-

I shudder to think what your monthly premiums were and how long you paid them to get £62k back....hmmmmm

The_Logans

:rotfl: Yesterday I received a cheque from egg for £52.41, a refund of CPR premiums paid plus interest (I cancelled it sharpish when I realised I had it, but they never refunded the payments made at the start of the agreement). It only took one letter! Hurrah! :T

nutty_nat

Dizzywithmoney wrote: »

Am not having a good day!!! Firstly Nat West tell me that they havent even sent the cheque off yet (its still in the queue etc) even though the 28 working days are up today!!!

Then another set back - its 8 weeks today since we received the offer from First Plus and still no cheque!! The 8 weeks from them receiving the acceptance is up tomorrow and they promised me faithfully that I would have received it by then. I am now awaiting for them to ring me back as the girl who answered the phone is just taking numbers as they are "receiving lots of calls" just now and she said she doesnt know anything. So apparently I have to now wait for this call that will come within 24 hours of me ringing them - I went home at lunchtime too to see if it was there - it had better be here by tomorrow I need it to be clear by Monday!!!

Thinking of you this morning hun , I hope that cheque drops on your door mat today. I called firstplus on Monday as it has been a month that I have been waiting, I was assured the cheque will be with me no later than the 9th November. We will just have to wait and see.

Miss_Marple_2

littlehenrydog wrote: »

Hi I know Ive posted in a different thread but when checking my online bank my loan has been reduced my £4200, the redress my cal letter said I was to recieve £9300. Any idea why my loan has been reduced? Ive not asked for the redress it to be taken off my loan (the cash was/is to pay other debts) Im now very confused and worried ;(

Hello - I don't know the answer, but my loan balance went down over night as well - the loan did not have PPI on it, but it refinanced a loan that did have PPI.

My calcs letter did say that they would be recalculating the loan, and they said it would be within 21 days. It has been over that, but within 21 working days. My balance went down by just over £400, which I am hoping is in addition to the amount in my calcs letter ( wich was approx £6500)

Fingers cossed this means the cheques are on their way ?

Dazzarazza

Finally answered the phone to me this morning!

They told me that they are "a week or two behind payments" Shock horror, what a surprise! Wouldn’t give me a date or chase up for me, but said they'd pay interest for every day they are late in making the payment, which will be applied at time of sending me my redress. Has anyone else had this and can they confirm they do apply?

I gave the girl what for about the phone ringing constantly, apparently there's only thirty of them in the team and they are constantly answering the phone.

only_mee

Dazzarazza wrote: »

I gave the girl what for about the phone ringing constantly, apparently there's only thirty of them in the team and they are constantly answering the phone.

And every time they answer the phone they are being stopped from working out the figures.

:T