PPI Reclaiming successes and failures

fairymoneysaver

Hi all from a newbie poster,
Just to let you know I have also had success reclaiming PPI with Alliance & Leicester. I sent a letter off on 21st January 2009, they wrote back a week later to say they had my letter then on 21st February I received an offer of 2.5K which includes 8% interest. This was on a 13k loan taken out in 2005. Just waiting for the cheque to arrive now
Thanks to everyone at MSE for the template letter and your help through reading these forums. I was surprised how easy it was to reclaim. My dh clearly remembers them telling us we had to take out PPI in order to have the loan.

amersall

fairymoneysaver wrote: »

Hi all from a newbie poster,
Just to let you know I have also had success reclaiming PPI with Alliance & Leicester. I sent a letter off on 21st January 2009, they wrote back a week later to say they had my letter then on 21st February I received an offer of 2.5K which includes 8% interest. This was on a 13k loan taken out in 2005. Just waiting for the cheque to arrive now
Thanks to everyone at MSE for the template letter and your help through reading these forums. I was surprised how easy it was to reclaim. My dh clearly remembers them telling us we had to take out PPI in order to have the loan.

:T:Tsuper these wins just keep coming :T:T:T:T:T:T:T

amersall

mlucyminx wrote: »

Hi everyone. Just thought I would tell you all of my recent and suprisingly quick success.

Wrote to Barclays bank on 3rd December asking them to pay back £572 plus £104 interest (£676.13 in total) that they have charged me for overdraft PPI. Didn't hear anything within the 8 weeks so wrote again. Got a letter back from them on 11th February giving their usual response. They also sent copies of letters regarding my application for overdraft PPI. I wrote back again on 20th February and pointed out to them that I never actually applied for PPI only an overdraft and as I was unemployed at the time I would not have been covered and that I was never told it was an optional policy as I never applied for it.

Anyway, logged on to my bank accont yesterday (26th February) and blow me there is a credit for o/d ppi refund of £685.91.

Thankyou very much Barclays Bank. Now please stop messing around with the FOS and pay back my Barclaycard PPI.

Just so you all know (and I know you lot aren't stupid) but please check your bank statements if you have an overdraft and check to see if you are paying ppi on it. It appeared on my statement as o/d protection.

As you can see you can also claim this one back too.

:T:Tsuper, this week just gets better and better:j:beer:

Almost_There_3

Hi everyone,

Just wanted to let you all know that I just received a letter from RBS with an offer of just over £6,000 :beer: for PPI on a loan we had over 5 years ago with them. It only took one letter (using the template from here ) and 6 weeks of waiting. I honestly cant believe they agreed so easily and quickly - had prepared myself for battle with them!

Honestly wouldnt have done it had it not been for this site and the encouragement I got from reading everyone else's tales. So a big thanks to you all!!

Now Im off to fight the fight again with FP - something tells me this one wont be so easy!

di3004

mlucyminx wrote: »

Hi everyone. Just thought I would tell you all of my recent and suprisingly quick success.

Wrote to Barclays bank on 3rd December asking them to pay back £572 plus £104 interest (£676.13 in total) that they have charged me for overdraft PPI. Didn't hear anything within the 8 weeks so wrote again. Got a letter back from them on 11th February giving their usual response. They also sent copies of letters regarding my application for overdraft PPI. I wrote back again on 20th February and pointed out to them that I never actually applied for PPI only an overdraft and as I was unemployed at the time I would not have been covered and that I was never told it was an optional policy as I never applied for it.

Anyway, logged on to my bank accont yesterday (26th February) and blow me there is a credit for o/d ppi refund of £685.91.

Thankyou very much Barclays Bank. Now please stop messing around with the FOS and pay back my Barclaycard PPI.

Just so you all know (and I know you lot aren't stupid) but please check your bank statements if you have an overdraft and check to see if you are paying ppi on it. It appeared on my statement as o/d protection.

As you can see you can also claim this one back too.

Hiya hun
How are you ?:D

Wow Congratulations and Well done !!:T :beer: :T , and thanks for your useful advice hun, this is much appreciated.:T :A X

di3004

Almost_There wrote: »

Hi everyone,

Just wanted to let you all know that I just received a letter from RBS with an offer of just over £6,000 :beer: for PPI on a loan we had over 5 years ago with them. It only took one letter (using the template from here ) and 6 weeks of waiting. I honestly cant believe they agreed so easily and quickly - had prepared myself for battle with them!

Honestly wouldnt have done it had it not been for this site and the encouragement I got from reading everyone else's tales. So a big thanks to you all!!

Now Im off to fight the fight again with FP - something tells me this one wont be so easy!

Congratulations and Well done ! :beer: :T , just one letter as well, this is fantastic :T .
Yes go and get em hun (FP), fingers crossed on this one for you as well.:A X

Almost_There_3

di3004 wrote: »

Congratulations and Well done ! :beer: :T , just one letter as well, this is fantastic :T .
Yes go and get em hun (FP), fingers crossed on this one for you as well.:A X

Thanks Di3004,

Will keep you all posted on the FP fight!

kazdolly

HELP!!!ive been tryin to re-claim bk from welcome finance with no luck
i have had 5 loans over the last 10 years with them (usually consolidating each time!)i have been constantly on the phone over the last 9 months and sent numerous letters ,being totally frustrated ...i ended up going to a company that specialises in re-claiming ppi but its still having trouble getting positive replies from welcome.:mad: :mad:
has anyone been successful against welcome finance???
oh and well done to every one thats been lucky so far :T :T :T

amersall

Almost_There wrote: »

Hi everyone,

Just wanted to let you all know that I just received a letter from RBS with an offer of just over £6,000 :beer: for PPI on a loan we had over 5 years ago with them. It only took one letter (using the template from here ) and 6 weeks of waiting. I honestly cant believe they agreed so easily and quickly - had prepared myself for battle with them!

Honestly wouldnt have done it had it not been for this site and the encouragement I got from reading everyone else's tales. So a big thanks to you all!!

Now Im off to fight the fight again with FP - something tells me this one wont be so easy!

:T:Texcellent well done:T:T:T:T i am fighting fp too have you tried this website? firstpluscomplaints.co.uk its ace:cool:

di3004

kazdolly wrote: »

HELP!!!ive been tryin to re-claim bk from welcome finance with no luck
i have had 5 loans over the last 10 years with them (usually consolidating each time!)i have been constantly on the phone over the last 9 months and sent numerous letters ,being totally frustrated ...i ended up going to a company that specialises in re-claiming ppi but its still having trouble getting positive replies from welcome.:mad: :mad:
has anyone been successful against welcome finance???
oh and well done to every one thats been lucky so far :T :T :T

Hi hun
There's sweet of you with your thoughts to everyone else.:A X

Right I am aware that Welcome Finance were not covered/regulated until approx 2003, it may have been 2001, hopefully someone can confirm this, the FSA had taken over GISC regulation in Jan 2005, so for instance if you are not successful the financial ombudsman cannot look at these complaints if the companies were not covered by the above regulators.

However, what year was it when you first taken out the loan/ppi?;)