PPI Reclaiming successes and failures

dilus

Placida wrote: »

Can I ask when your loan was taken out? Just trying to work out what I might expect to get. The more I think about how the credit agreement was so misleading, I would have been more than shocked if they hadn't upheld your complaint. Such a mis sell:mad:

Happy Spending?:)

£10,000 loan taken out in Aug 04, £4,042 PPI front loaded, 6% APR over 7 years, ran to term and was paying just under £60 per month PPI
My main arguments were
1 PPI was at no time mentioned during application process
2 Pressured into signing in 15 minutes with a courier that you couldn't ask advice from
3 Blank entries on paperwork where PPI figures were meant to be
4 Upfront single premium and mentioned strongly that I had paid 6% APR on it for 7 years

I was very surprised to get the APR back, I think item 4 above may have helped, if you don't get it ask why not
I had quite a bit more to throw at them if they had turned me down :cool:

Hope they come up with yours before your due date m8

Placida

dilus wrote: »

£10,000 loan taken out in Aug 04, £4,042 PPI front loaded, 6% APR over 7 years, ran to term and was paying just under £60 per month PPI
My main arguments were
1 PPI was at no time mentioned during application process
2 Pressured into signing in 15 minutes with a courier that you couldn't ask advice from
3 Blank entries on paperwork where PPI figures were meant to be
4 Upfront single premium and mentioned strongly that I had paid 6% APR on it for 7 years

I was very surprised to get the APR back, I think item 4 above may have helped, if you don't get it ask why not
I had quite a bit more to throw at them if they had turned me down :cool:

Hope they come up with yours before your due date m8

Thanks.
My reasons were exactly same as yours plus full sick pay & pre existing medical condition. I filled the whole box on the questionnaire!!!!:(
They had better uphold my complaint:mad:

Wonder what the sales training was for selling their creditcare-bronze,silver or gold! I can only imagine:mad::mad::mad:

Thank you for all your help-might be a very Happy New Year:)

Just waiting on this and Barclays Overdraft Protection now.

dilus

Placida wrote: »

Thanks.


Wonder what the sales training was for selling their creditcare-bronze,silver or gold! I can only imagine:mad::mad::mad:

I think it came down to spelling ability :rotfl: I shouldn't jest IT WAS FRAUDULENT

Gratefuljo

claiming on credit card for mis sold PPi with MBNA
taken out in 2001
Rejected initially by MBNA
Referred by me to Ombudsman using the templates on this site
letter from Ombudsman saying MBNA writing to me with offer for gesture of goodwill
letter received yesterday offering me full refund of premiums, interest accrued due to increased card balance because of PPi and 8% interest
TOTAL £6704.
Delighted and so unbelievably grateful to you all on this website for your amazing work.

Second claim in hand against Santander but less hopeful as when card taken out the compay were not covered by the financial regulations so pursuing the underwriters (well the Ombudsman is)
WATCH THIS SPACE!:rotfl::T:j:beer:

dilus

Gratefuljo wrote: »

claiming on credit card for mis sold PPi with MBNA
taken out in 2001
Rejected initially by MBNA
Referred by me to Ombudsman using the templates on this site
letter from Ombudsman saying MBNA writing to me with offer for gesture of goodwill
letter received yesterday offering me full refund of premiums, interest accrued due to increased card balance because of PPi and 8% interest
TOTAL £6704.
Delighted and so unbelievably grateful to you all on this website for your amazing work.

Second claim in hand against Santander but less hopeful as when card taken out the compay were not covered by the financial regulations so pursuing the underwriters (well the Ombudsman is)
WATCH THIS SPACE!:rotfl::T:j:beer:

Congratulations on your tenacity Gratefuljo :T good luck with Santander

amersall

dilus wrote: »

Thanks amersall, what's the betting your bill doesn't arrive :rotfl:

:mad:Then i will bombard you with emails and take it to FOS :rotfl::rotfl::D

Stundun

well blow me down,

Put in a claim on 14th Nov 2011 , they received 17 Nov, letter today 19th Nov, for the wife and Santander upheld refunding:-

£793.56 payments
£398.88 8%
£85.23 Loss of cash payment

Total 1277.67

They said while it was signed for they recognise the nature of the complaint and refunded.

Yeeeehaaaawww. Now i only hope they got my emails and are doing the same for me !!!

:rotfl::T:T:T:j:beer::beer:

smitchy73

Another cheque arrived this morning, just over £300 for a Halifax Secured Loan, it wasn't a single premium policy it was monthly amount included in the loan, got premiums paid plus 8% interest, cheque received but never did receive an offer letter, but more than covers my calculations, woohoo, one more to go which is a tiny wee ppi policy on my first ever RBS loan, the loan was for £500 over 12 months, and the ppi policy was for £46, i'm gonna be rolling in it, lol

This Halifax one has came in about three weeks before the 12 week decision period, no idea why we've been so lucky that three in less than three weeks, decided and paid.

moosetastic

I have put this in the main forum but thought I would add my success here. 2 complaints upheld from Lloyds TSB, credit card for £774.67 and loan for £2898.36!! so happy, hopefully it will come before Xmas (but after reading the other posts on here, not holding my breath!) :j

viccaleva

Omg, all I can say is thank you, thank you, thank you to this site. I put a claim in to HSBC expecting to get nowhere or if I did a maximum of £2000, I have just got home to an offer letter of £8,569.67p.

Chuffed is not the word, I'll be debt free and the kids will have a very merry Christmas. I honestly can't stop shaking