PPI Reclaiming successes and failures

oggie1

Hi can anybody help me have got a Debenhams Card but the payments go to GE Money [a] Do I claim the PPI back of GE Money. I have a adress for GE money as PO BOX 848, LIVERPOOL L712XX .Could somebody confirm this is the correct address for GE Money and it is them I have to claim back my PPI from Thanks in advance Ken

santa08

frances23 wrote: »

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.

Hi congratulations, how long has it taken for HSBC to give you their answer and what was your reason for mis sell...I've sent 3 ppi numbers in and am curious

santa08

cheesetony wrote: »

Hello,

This is pretty much my first time of writing on this site so firstly i would like to say a big THANK YOU to all who contribute - you have so far helped me to claim just over £2000 from 2 separate Banks (Lloyds TSB and Northern Rock - NR actually approached me, which was strange).

However i am now coming up against Barclaycard who have declined (final response) my claim on the basis that:

"We have identified that you PPI was submitted online. At this point of applying for PPI, the process required you to select the specific type of cover you required. In this case, you positively selected the product"

"In addition we have conducted a review into the documentation you viewed during the sale. We are satisfied that the documentation presented accurately described the scope of the policy, and was sufficient to provide you with all of the information necessary to inform you of the terms and conditions of the policy".

My claim was based on the fact that I would have received full sick/accident pay from my employer and therefore the policy was unsuitable and irrelevant to me. I also mentioned that i felt the relevant information was not supplied to state that being eligible for full sick pay meant that the policy would not be needed.
Surely if the the above could be queried by them with evidence of information at the time then they would prove it with evidence of said material?

Can anyone please tell me the best route to go down now? Do i have a leg to stand on with the FOS?

One last thing that they mention that could possibly stand in my favour is that they say

"The PPI cover is still active on your account"

This however is not true - that account was cleared and I hold a completely new card with them now which contains no PPI at all. Does this mean I still have a shot as they clearly have this part wrong.

Thanks
cheesetony

sorry - i should add that the other two claims mentioned above were claims for the exact same reasons as the barclaycard claim - it is just stat the other two were in-store and not online thus making it easier to claim.

Is this rejection originally barclaycard or was it egg and is now owned by barclaycard...I'm interested cause I've submitted to them to and am yet to hear back...what year was your online application?

cheesetony

santa08 wrote: »

Is this rejection originally barclaycard or was it egg and is now owned by barclaycard...I'm interested cause I've submitted to them to and am yet to hear back...what year was your online application?

BarclayCard - Although i have very little evidence of this application i have barclaycard statements from 2008 - hope this helps.

cheesetony

paintpotter

oggie1 wrote: »

Hi can anybody help me have got a Debenhams Card but the payments go to GE Money [a] Do I claim the PPI back of GE Money. I have a adress for GE money as PO BOX 848, LIVERPOOL L712XX .Could somebody confirm this is the correct address for GE Money and it is them I have to claim back my PPI from Thanks in advance Ken

I had one of those cards, They are now dealt with by Santander.

josagef

Hi all, hoping someone can help me???? I am currently trying to find information on loans i had with them (barclays) from 10 years onwards but having no luck!!! how do i go about getting this information a letter? or go into bank? The same goes for Barclaycard they say they have no information of my account with them which ended in 09!!! I have done an experia credit check and my barclaycard details are there in black and white, should i take this with me to the bank?? although it doesnt have my account number in full on it just the last 4 numbers!!!!!! Any advice would be much appreciated.

nattajack2000

FeelStupid wrote: »

Send your reasons for mis-sell here:

Customer Excellence
Shop Direct Finance Company Limited
Sandringham House
Sandringham Avenue
Chelmsford
CM92 1LE

Can you please let me know how you get on as I was paying this for afew years until I finally cancelled it - they just added it on without me even knowing about it. Di x:rotfl:

nattajack2000

leeanneandkarl wrote: »

Hiya,

Was wondering how people went about claiming back mis sold ppi from Littlewoods catalogue for extra care cover?? Any help would be appreciated.

Thank you

Hi, can you let me know how you get on with your claim agains Littlewoods catalogue for extra care cover as I was paying this for a few years until I cancelled it about a year ago. Cheers, Di x :beer:

santa08

Has anyone claimed ppi back from Argos, I have a store card with them

skydive39

santa08 wrote: »

Well my confirmation letter arrived today from Halifax, how long has anyone had to wait for their cheques after receiving notification?

I had my offer sent to me last Saturday, I'm awaiting my cheque too at the moment from Halifax, after reading some horror stories of people waiting a long time I'm hoping that they have got their act together and are starting to process these quickly !