PPI Reclaiming successes and failures

di3004

arthurdick wrote: »

ha ha di, you go for it

Cheers hun.:A .

Crikey I need a baby's bib lmao :rotfl: :rotfl: .

Will try to visit the nightowl thread shortly, see how you all are.;) xx

arthurdick

right all, seeya all tomorrow, each day i wonder if my letter will come through telling me the amount i have won back......i only want enough to get me through nxt month, oh and maybe, just maybe a few beers .......i aint gonna settle for anything less than a stress free month and a few beers......anyway, take care all, have a giggle yeah.......and enjoy that lovely feeling of getting the banks back .......

arthurdick

di3004 wrote: »

Cheers hun.:A .

Crikey I need a baby's bib lmao :rotfl: :rotfl: .

Will try to visit the nightowl thread shortly, see how you all are.;) xx

would love to see you back there di.....i dont get much time to get in there myself, but i still pop in, in the mornings, .........gotta go, take care yeah

di3004

arthurdick wrote: »

right all, seeya all tomorrow, each day i wonder if my letter will come through telling me the amount i have won back......i only want enough to get me through nxt month, oh and maybe, just maybe a few beers .......i aint gonna settle for anything less than a stress free month and a few beers......anyway, take care all, have a giggle yeah.......and enjoy that lovely feeling of getting the banks back .......

Good for you arthurdick :T :T :T , you keep at them and we are with you all the way.

Catch you again lata or tomorrow then.:A

Di
XX

dazzer26

well done to you di been a long time coming but worth the wait and a big clap and cheer to everyone who wins.

di3004

dazzer26 wrote: »

well done to you di been a long time coming but worth the wait and a big clap and cheer to everyone who wins.

Thank you Daz, hope you have a great outcome as well.:A XX

nikester

i have just got a letter from HFC/Beneficial finance.. the are prepared to repay my PPI but i have now got till 9th march to either pay off existing loan (4500:00) or take out a new loan less my mis-sold PPI (£1220) at 23,9% apr... as i am not too credit worthy i am stuck between the devil and the deep blue sea.. can they force me to take out the new loan at that rate or can i argue for a better apr.. i have tried my bank for a loan but got the wrong answer from them..anybody got any answer????:mad: :mad:

pinknico

They cannot give you a loan with a higher interest rate than that you were already on when you had PPI.

pinknico

If they try and insist on this please contact the FOS and the FSA. They should help.

Brisie01

Reclaimed: PPI on a Personal Loan
From: Northern Rock, after help from the Ombudsman
Reclaimed: £4500! :rotfl:

I took out a loan with Northern Rock 5 years ago and agreed to take a PPI policy. I needed to top up the loan 3 years ago, but asked for a quote without PPI. Their rep said that they couldn't do this because I had PPi with my original loan and to get the lower interest rate offered to me, I would have to take PPI with them.

After reading Martin's article, I sent in a copy of the template last August and received a fairly snotty 'no' back from Northern Rock nearly 2 months later. I decided I had nothing to lose and so contacted the Financial Ombudsmen and at the start of December received a new letter from Northern Rock still refuting my claim but agreeing to refund my PPI premiums (plus interest) "as a gesture of goodwill and to avoid protracted correspondence".

Having heard nothing by mid January, I contacted them several times to be told they had a backlog of paperwork and I would be paid soon. Having still heard nothing, I contacted the ombudsmen again 2 weeks ago and now Northern Rock have given me the loan at the agreed interest rate without PPI and repaid £4500.

So, if you claim and get nowhere - go to the ombudsmen, especially if they start stalling over your claim.

Thank you to Martin and the MSE team - you've made me very, very happy! :T