PPI Reclaiming successes and failures

brumyjones

My wife made claims with Lloyds TSB and M & S. Both returning PPI

When I made a claim with TSB they checked all of the loans that I had with them and they returned all PPI I had ever paid. Now they are only paying back for requested loan accounts. We had to ring the Loan department and request all of my wife's loan details and then had to start a new caim process. We have done the same for M & S so we will need to wait a further 12 weeks.

Lloyds don't wait for an acceptance letter to be returned now they have paid interest to 14/12/2011. M & S will pay on return of acceptance letter within 28 days.

Total so far

Myself

Lloyds TSB 13,105 paid well within 4 week period after acceptance letter.

My wife

Lloyds TSB

2,400 to be paid in 28 days no acceptance letter needed

3 further loans claimed 25/11/2011

decision by 17/02/2012

M & S

4200 to be paid within 28 days of acceptance.

4 further loans claimed 25/11/2011

decision by 17/02/2012

McGoo2002

That's well worth the effort.....well done that beats my £10k from Lloyds and MBNA

Mwnciflewog

Just had an offer of £1,486.94 from Lloyds! I reported my complaint to the number given to me in branch two and a half months ago (This was after 2 years of complaining through post).

I took out a £8,000 graduate loan with Lloyds in 2008 (Self-employed at the time), told I wouldn't be approved if I didn't take the PPI, I cancelled the PPI (late 2009) and was told the new loan balance included a reduction from cancelling the PPI. It would appear there was some tall tales here as the offer includes a large amount of repayment from the time after the PPI was cancelled.

Anyone getting tired of the fight (I was) dont give up!

Little_Italy

Hi, I recieved a cheque on Saturday morning for£8943.31 :beer: could'nt believe it but I've got my cheque! Sent forms off to FSCS on the 3rd November and received cheque on the 26th November - Brilliant! :j

To say that I am over the moon is an under-statement! Thank you to everyone on here for your support - especially Di3004 who is a MSE gem!

Long Live Martin Lewis.....The King of Money Saving.

TheHuntress

Hi
I am new but have been reading all your stories which as spurred me on into claiming back my own PPI.

I sent off all my letters on 12th November 11. I dont think I am due back any large amounts but am determined to get back everything that is due to me.

Had 2 letters back from LLoyds TSB from to old loans, just confirming the are investigating my complaint. 1 letter from Barclaycard again confirming my complaint and asking for a FOS questionnaire even though I sent one with the original letter (perhaps a delay tatic)
So far I have already had 2 refund letters.

First one reclaiming back my Mortgage exit fee from C&G. Recieved letter on the 18th November confirming I will be getting a cheque for £225.

Second from BOS regarding a Sainsbury's loan. I only had loan for around 6 months then paid it off but have recieved confirmation I will be getting £1118.

I have littlewoods catalogue calling me at 10.00am this morning regarding my complaint about extra care advantage, but have read on the forum noone seems to get any success from them so I'm not hopeful.

Right that's it for now will update as and when I get more info to share.

Good luck to everyone - keep up the hard work.

sallyannetag

my mum is absolutely delighted. I put in a form from this site to Blackhorse in October. Received letter on Saturday to say they would be refunding her £21,000 odds. This was for about 8 car loans that just kept continuing. She also is still paying £700 a month on one of these so this will now be finished also! She is over the moon. Thanks again to this site!!! :money:

moomoo4444

So my letter is up till today for my £6403.43 still owed to me which is supposed to be getting paid by BACS .I phone them usual 25 minute wait to be told "Oh i have sent an e mail to the refund team ! " When asked so when will i get it ,"Dont know "
Hang on this my money and if i didnt pay my credit card you would be onto me like a shot .
Yes madam but that is a debt as you owe us the money .......spits coffee out (me that is) and then i say but you owe me MY :mad:money ..slighlty unable to answer now !!!
Honestly Lloyds is an absolute joke
sorry feel better to have vented

maryspecial

We got our calculations letter this morning from halifax after getting our cheque last week. The figures look low and i really dont mean that in agreedy way. If they only went back back six years the premium refund averages about £13 a month yet we regular paid £30. there was a short period where there was no balance but it wasnt for long. The 8% interest refund of £39 would confirm this. Is there a way that we can ask for a breakdown of the premiums paid? Can we still SAR that info or by the time it would come back would it be too late to go back to them?? Not sure what to do, has anyone else be suspicious of payment calculations?? Actually had the card 8 yrs and their offer was that they would estimate the first two years etc so cant understand the figures at all. If we request info god knows how long theyll take getting back to us. We waited since 3rd sept for payment!!

amersall

Bigkev999 wrote: »

Could people please help and give me names, email adresses and postal addresses that may be helpful during my complaint with Halifax. i am chasing recovery on 2 loans

Thank you in advance

Just go through the normal channels
http://www.halifax.co.uk/contactus/howtocomplain/complain-about-ppi/

You will end up with an ulcer if you dont just let them get on with it,it is not worth the stress.

Kshirl

Over the years I've had a number of loans with Halifax. The bank gave me a printout detailing 9 loans taken out in the 90s and the early 2000s. When I called Halifax for copies of the agreements, I was told that they would send me details "if they had them". However, said that I DID NOT have PPI on any of the loans. Well, surprise, surprise, today I received copies of 4 loan agreements. I did not have PPI on 3 of them. However, I did have PPI on one of the loans. I am awaiting copies of the other paperwork for the remaining 4 loans.

I was advised on 2 occasions that I did not have PPI on any of these loans. I could understand someone getting it wrong once but twice and by 2 different people. Perhaps I'm being cynical but I'm wondering if that's what they say to try and put folks off. What do other users here think?