PPI Reclaiming successes and failures

Tommo2012

Hi Tony,

Essentially you have been rejected for the claim as you applied online and you opted for it. Their argument will be that this was a non-advised sale and therefore it was upto you whether you wanted to take the product.

In relation to your exisiting benefits (i.e sickpay) it depends on how much you had. You can say that you had full sickpay but in some companies that can mean lots of different things i.e at the NHS it is usually 6 months full and then 6 months half.

The fact that in the letter it says it is still active is probably just an error.

You're only option now is the FOS.

Hope this helps.

cheesetony

Cheers Tommo

Guess it is worth a shot anyway.

cheesetony

On a separate note, my TSB claim was accepted on December 16th 2011 and the 8% interest was calculated up to January 12th 2012, yet i am still to receive my refund. Should i be due even more than the stated settlement figure when they eventually decide to pay out?

cheesetony

frances23_2

a huge thank you to everyone on this board. I have put in three claims one with hsbc, egg loan and barclays for mortgage ppi. I recieved a letter from Hsbc today and they looked into all my loans (even though they sent a letter saying i would have to send a letter for each loan, which i hadnt got round to doing) and they have upheld my claim and are giving me £6,260.15! Couldnt believe it was expecting £1000 at most. Anyone reading all these posts wondering if they should claim, do it. It has cost me 3 first class stamps and i have still got the other 2 companies to hear from.

dilus

amersall wrote: »

Moi Moi????????? :rotfl::rotfl::rotfl:

Goes without saying xx

amersall

cheesetony wrote: »

On a separate note, my TSB claim was accepted on December 16th 2011 and the 8% interest was calculated up to January 12th 2012, yet i am still to receive my refund. Should i be due even more than the stated settlement figure when they eventually decide to pay out?

cheesetony

Hi,they will pay you the 8% to the date you get the money,this will not be a huge amount,as this is monthly on the actual ppi payment you made,and decreases up to the date of redress,as you have been deprived of this for less time.

wigglespig

ginger64 wrote: »

Yessssssssssssssssssssssssssssssss eventually after two months of waiting have just had a call from the CEO office from Halifax to say my cheque was posted yesterday so should get it next week, don't know if any extra interest was added on, doubt it though and to be honest I'm not bothered after waiting so long for the cheque.

well done, i was in the same situation as you, i received a letter from the Halifax on monday saying i was entitled to PPI of £641.40 and they had included the 8% interest, the cheque arrived yesterday. Very Pleased:T

santa08

Claim submitted to Halifax on 5th January 2012 using their dedicated PPI telephone line
Offer letter received 2nd February 2012
Cheque received 3rd February 2012 for £1142.14
Whooooooooo!!!!
Reasons for mis sell was always been in full time employment with generous sickness absence package
and therefore not sold to me in my best interests

suitable69

@ Tommo2012 and cheesetony
Ive had 3 claims upheld and only 1 has gone to the FOS for online credit cards, I did click the box but I thought the wording swayed me and I also said they should of picked up on my application when I put I worked for Royal Mail where I get full sick pay with other benefits nearly everyone knows this.

Juno*

First time poster - thought I'd record a wee success!

Virgin/MBNA credit card.

Sent the questionnaire off 3 weeks ago. Beginning of this week received a letter saying they were looking at my complaint and would be in contact within 28 days.

This morning received a letter detailing the following:-

Total amount of PPI premiums charged - 864.81
Total amount of interest associated with premiums - 431.59
Total amount of 8% interest - 8.29

Total amount payable - 1304.69

Again, echoing everyone else. Do it yourself!