PPI Reclaiming successes and failures

ewhetter

jodysenna wrote: »

Hi all, looking for some help and advise on my lloyds claim, i got paid just over £6500 in oct for 2 loans i had with them and today i have got another another payment for just over £6800 i not sure why i have got this, i think is an error on there part and they have paid me again??? how long can i keep the money before its mine at tell then to get lost, help please thanks Jody

what second payment

hancoxrg

Northernlass_done_good wrote: »

I did think about that, but wondered how much longer that will delay the payment! Grrrr, I did ask to speak the team that allegedly dealing with my claim, apparently they don't have phones - god help them if there's an accident!!! :mad:

Issue a court order, if they don't turn up then issue a default judgement. If they don't respond then warrant with bailiffs.

jodysenna

ewhetter wrote: »

what second payment :d

yeah but dont know why? Do i just come clean or withdraw and put in savings account until they ask for it????? Hhhhheeeeeellllllllpppppppp please

only_mee

Yes put it in a savings account, as happened before, they will ask for it.

jenniym

Anyone had experience of getting money off HSBC? my claim is on the basis of i was made to feel i would not get the mortgage if i didn't take out the two policies.

My polices were sold as..

HSBC Mortgage protection plan with critical illness cover. and
HSBC Essentail ability cover for individuals.

Bit of background got the mortgage in 2003 i went alone as my husband was self employed at the time and i was in full time work where i recieved full sick pay for 6 months if i fell ill. We have never missed a payment on the mortgage since 2003 to present day.

I downloaded the forms off the FSO website and sent the forms on 17/10/11 after receiving a few letters (last one being 13/12/11) basically saying due to large volumes there would be a delay in processing my claim.

Well today i have recived a letter basicaslly saying nothing owed back .

The letter is saying i filled out a questionaire at the intial meeting with a financial planning manager for essentail cover and i didnt want to face financial difficulties so it was suitable for my needs. They also seem to be saying i received all the paperwork with had full explanation of how products worked and i was sent cancellation notices which was the time to raise concerns or to change my mind then not now.

It also says i have had the covers since 2003 and not had reason to make a claim but i should be happy because i was fully covered on all policies throughout :mad:.

The only reason i kept the policies is i thought i would not get the mortgage if i didnt take out the policies.

Where do i go from here?

Forget the claim.
Financial ombudsman.
or im thinking of getting a claim company involded.

Thanks...

jodysenna

only_mee wrote: »

yes put it in a savings account, as happened before, they will ask for it.

how long before they as for it back, a week? Month? Year? Is it worth putting in a savings account or do i just come clean? How long do they have to ask for it back
thanks jody

jenniym

jodysenna wrote: »

how long before they as for it back, a week? Month? Year? Is it worth putting in a savings account or do i just come clean? How long do they have to ask for it back
thanks jody

Can you not send them a letter by recorded saying you think its a mistake keep a copy and bank the money in a savings account.

only_mee

jodysenna wrote: »

how long before they as for it back, a week? Month? Year? Is it worth putting in a savings account or do i just come clean? How long do they have to ask for it back
thanks jody

Just come clean, they will chase you for it.

sojie

Hello
Wanted to share my success with all and thank Martin.
I started reclaiming in May.Banks in contact with me every month for progress report.So far have received £8,ooo! Some claims are with Ombudsman so may have more to come!This now means my outstanding credit cards catalogues are now cleared!Also bought new bed tv and a lovely money free worry Christmas!
Thank You Martin!:T

mentalchick65

I'm so glad I was recommended this site, as I have just received confirmation that Lloyds TSB are upholding my complaint on 2 loans, 1995 and 2000, they have offered just over £9,000 which I will gladly accept.

Thanks Martin.