PPI Reclaiming successes and failures

suziandmarc

We took out a loan with first plus 4 years ago and recently i lost my job and thought we would give it a shot, I used the template letter, first response they were looking into it then today with no further prompting or letters i received a letter stating they are going to pay me £2,560.20 and i can either put it against my loan reducing my payments from £250 p/m down to £106.98 p/m or Ican have a cheque in to my bank!!

di3004

suziandmarc wrote: »

We took out a loan with first plus 4 years ago and recently i lost my job and thought we would give it a shot, I used the template letter, first response they were looking into it then today with no further prompting or letters i received a letter stating they are going to pay me £2,560.20 and i can either put it against my loan reducing my payments from £250 p/m down to £106.98 p/m or Ican have a cheque in to my bank!!

Hi and welcome

That is fab, Well done!:T & Congratulations!:beer:

That is good to have a choice as not all will give that, so you do what you feel is right for you, however they should still reduce the monthly repayments anyway, otherwise it will be like as if your still paying for the PPI otherwise.
I would contact them and ask about this.;)

thegaffer

Got my acknowledgement letter in October for my 2 loans and it stated i would get as reply in 6 weeks,

Anyway with me not being patient i emailed the Chairman last week Mr Doherty, with 2 hours he had personally replied saying he would deal with my query (As to whether it was being upheld) 1 hour after that i had an email from Matthew Brodderick saying yes it was upheld and a breakdown of my figures. Mr Brodderick emailed me today to say the chqs would be sent midday out to me. I’m informing you of this as MBNA are switched on it appears and deal with your queries / emails, the fact they took time to reply goes a long way. Is ay that as im in my 7th week with Lloyds and when i range them today some lady (rather miserable) just said no outcome yet you have to wait 12 weeks. I do not get why it is always the 12th week that Lloyds know anything, they really are just awful at correspondence and customer satisfaction.

paid_too_much

thegaffer wrote: »

Got my acknowledgement letter in October for my 2 loans and it stated i would get as reply in 6 weeks,

Anyway with me not being patient i emailed the Chairman last week Mr Doherty, with 2 hours he had personally replied saying he would deal with my query (As to whether it was being upheld) 1 hour after that i had an email from Matthew Brodderick saying yes it was upheld and a breakdown of my figures. Mr Brodderick emailed me today to say the chqs would be sent midday out to me. I’m informing you of this as MBNA are switched on it appears and deal with your queries / emails, the fact they took time to reply goes a long way. Is ay that as im in my 7th week with Lloyds and when i range them today some lady (rather miserable) just said no outcome yet you have to wait 12 weeks. I do not get why it is always the 12th week that Lloyds know anything, they really are just awful at correspondence and customer satisfaction.

thanks for that my letter of upheld is dated 2/11/11, I know they have 28 days to pay but I am totally skint until I have this money, just looking for the go ahead to email the 'boss' really. I've already phoned their advocate office and they just tell me it's 'not been raised yet'

thanks for posting this:A

geoff62

hello we got £1560 back from halifax and we got £628 from Barclaycard
card

and from bank of scotland £1060 , also my friend got £7k from halifax,


thankyou moneysavingexpert,com


is there a 2nd letter template, link please, ?


happyxmas to you all and us lol :j

paid_too_much

thegaffer wrote: »

Got my acknowledgement letter in October for my 2 loans and it stated i would get as reply in 6 weeks,

Anyway with me not being patient i emailed the Chairman last week Mr Doherty, with 2 hours he had personally replied saying he would deal with my query (As to whether it was being upheld) 1 hour after that i had an email from Matthew Brodderick saying yes it was upheld and a breakdown of my figures. Mr Brodderick emailed me today to say the chqs would be sent midday out to me. I’m informing you of this as MBNA are switched on it appears and deal with your queries / emails, the fact they took time to reply goes a long way. Is ay that as im in my 7th week with Lloyds and when i range them today some lady (rather miserable) just said no outcome yet you have to wait 12 weeks. I do not get why it is always the 12th week that Lloyds know anything, they really are just awful at correspondence and customer satisfaction.

oh and big congrats btw:o
:T:T:T:T

Draved

One credit card ppi appears to be paid back!

APR REFUND 598.96
REBATE REFUND 690.28
PREMIUM REFUND 1128.40

Total £2417.64

Is this the breakdown of ppi, 8%, then further interest in ascending order?

I also rang the Halifax today because of TMPP and they said personal loans etc complained about in May are being dealt with as a matter of urgency.

scottyedin

Posting a partial success for me. I have had a total refund of £1,162.71 refunded on my Halifax Bank of Scotland credit card. Its been taken back out as a cheque which I should receive soon I expect.

Still waiting on confirmation of how much I am getting back on two Bank of Scotland loans. I will post here again when I receive word.

:T

paid_too_much

arggg going to email Ian O'Doherty, but can't find his email, I've searched but it's not bringing it up, can anyone help? Thanks

thegaffer

paid_too_much wrote: »

thanks for that my letter of upheld is dated 2/11/11, I know they have 28 days to pay but I am totally skint until I have this money, just looking for the go ahead to email the 'boss' really. I've already phoned their advocate office and they just tell me it's 'not been raised yet'

thanks for posting this:A

I would certainly email Ian Doherty, he seems to be on the ball and your get you payment quicker