PPI Reclaiming successes and failures

di3004

khush126 wrote: »

* Who was your lender: Egg
* Reason for mis-sell: Told that purchase of PPI was essential for loan application to be successful (via telephone)
* How much did you get back: £841.83 (PPI payments including 8% interest)
* How many stages to success: After first refund request letter.
* Brief Tale: 21/09/11: Sent first template letter for Loan and FOS questionnaire via recorded delivery.
08/11/2011: Received letter from Egg with attached cheque and breakdown of findings

That is fab!:T Congratulations!:beer:

DebJC

It's 8 weeks Donna!

leah5

i cannot believe that halifax are telling the media they are paying out within the 28 days when i have been waiting 70+ days its disgusting behaviour.:eek:

only_mee

leah5 wrote: »

i cannot believe that halifax are telling the media they are paying out within the 28 days when i have been waiting 70+ days its disgusting behaviour.:eek:

So why don't you tell the media the Halifax are lying?

conkerlily123

nutty_nat wrote: »

:beer::j:beer::j:beer::j:beer::j:beer::j

MY FIRSTPLUS CHEQUES HAVE ARRIVED!!!!!!!!!!!!

£19922.78
Going to the bank now before they shut to pay them in.

Yippee Yipee

ARGGGGHHhhhhhhh!!!! :j:beer::j

So so chuffed for you!

Well done Nat, a fantastic result, bet your son is over the moon too

This is such good news for the rest of us who are awaiting our cheques from Firstplus. At least they are almost getting them out for the dates they say.

Well done hun
Lily x

bennygesserit

Many thanks to this site I have received a substantial amount back and I did it myself without using a paid service.

lisajaynec

Rosealita wrote: »

First time poster long time lurker, hope I'm doing it right! After 26 weeks my dad has received cheques in the post today totaling £5000 from Loyds. [Mam still hasn't had her calculations after 26 weeks. Another e-mail to be sent tonight]. Over the moon for dad! something I don't understand is that even though he had no paperwork, Loyds have paid out from loans from 94 95 98. I've recently had two joint loans refused from YB. [Although they have paid out on another 2]. The reason for refusal is that they have no paperwork showing we had loans with ppi even though they had the account numbers?!! The loans were from the 90s .YB said that because of data protection, all paperwork should be destroyed if it is older than 6 years. Why is it that Loyds and other banks pay out even if the loans are older than 6 years. YB must be saving a fortune.

I had the same with yorkshire bank, the teller gave me loan numbers from 1998 loan and 2001 loan, i then applied for a SAR and they provided the numbers again, i have some bank statements showing how much I paid a month and Yorkshire Bank wrote back saying that they have no info on these loans- which i dont believe, with cappo and Beamerguys help i have sent them a letter-i will keep you informed.
You are right though HSBC (who I had the paperwork from) paid out on a loan from 1996, without me even having to send them the paperwork!!

moneyangel22

lisajaynec wrote: »

I had the same with yorkshire bank, the teller gave me loan numbers from 1998 loan and 2001 loan, i then applied for a SAR and they provided the numbers again, i have some bank statements showing how much I paid a month and Yorkshire Bank wrote back saying that they have no info on these loans- which i dont believe, with cappo and Beamerguys help i have sent them a letter-i will keep you informed.
You are ri

ght though HSBC (who I had the paperwork from) paid out on a loan from 1996, without me even having to send them the paperwork!!

Hi Lisajayne,

So were hsbc saying they didnt have any paperwork all along? How did you get them to payout without sending them any paperwork?

Thanks

Stundun

Hi there, for a while now some colleagues were talking about PPI claims they made with a claims company and they have had a couple of successes.

I didn't think much of it until recently but decided to take the leap and look at what I have had in the past that I am sure I have paid PPI insurance on that i didn't need. This due to me receiving full sick pay as well as redundancy / sickness package if i left my work unexpectedly.

Given the stories on this forum and frequent levels of success here, I decided to submit the claims myself rather than hand over any winnings to a company.

On looking back i was surprised as to how many loans, cards I have had in just 10 years. They are all paid off so hopefully I will get a nice chunk of money back to put towards my first house.

1.Cahoot - Loan of £2000 obtained for 2 years in 2000-2002 approx. Long paid off and PPI questionnaire sent 10/11/2001.

2. RBS - Loan of £5000 approx obtained for 5 years in 2002. Paid off shortly thereafter. PPI claim questionnaire sent 10/11/2011.

3. Egg CC - £2000 limit had varied balance from 2000 to 2010. Paid off and PPI questionnaire sent 10/11/2011.

4. Northern Rock - £2400 loan (approx) - two years 2005-2007 approx. Paid off and PPI questionnaire sent 10/11/2011.

5. RBS mastercard - £4000 limit - Varied balance between 2007-2009. Paid off 2009 and PPI questionnaire sent 10/11/2011.

6. RBS credit card - £4000 limit - Varied balance between 2009-2010. Paid off 2010 and PPI questionnaire sent 10/11/2011.

7. Virgin /MBNA credit card - £5300 limit - Varied balance between 2009 - 2010 - paid off 2010 and PPI questionnaire sent 10/11/2011.

8. Santander - Loan - £5000 over 5 years 2008-2013. I have made an email complaint to Santander ( 11/11/2011) as I had this over the phone and the agent was very pushy trying to sell PPI.

I refused at every turn and am sure i was given a higher interest rate as a result. As such thought it was worth putting in a complaint and maybe get a refund / rate reduction.

********

The optimist in me really hopes and wishes for a nice collective payout of £5-10000 grand but the pessimist expects nothing.

Given that a lot of the above was made without much account detail but are all from same address , how do folk rate my chances? Surely they can check their databases with a name and full address ?

Also, what timeframe do the banks work on currently?

Fingers crossed :cool:

Louise3d2k

Thanks to the help and information on this site, and to the inspiring tenacity, my partner has just received an offer from Lloyds TSB for his PPI.

He has a credit card which he has had for about 6 years. During the last 6 years he has been paying PPI without realising it - he has been made redundant twice during this period and so would have claimed had we known!
We had a read through these blogs about 4 months ago and he called up the bank and registered it as a complaint. We were starting to doubt that they would be dealing with it and expected to be fobbed off by them. However, yesterday he received a letter with an offer of £788 which was about £750 plus 8% interest.

Yey!! Thanks again to everyone who offered advice.

Louise. XXX