PPI Reclaiming successes and failures

amersall

Shirleyk wrote: »

Thanks for this Amersall. I telephoned Lloyds TSB on Friday and they said that letters had been sent to me on 26 January. I have not received them. I have requested copies. You said that I should write back and dispute the rejection on the grounds that I did not have PPI. Will they reconsider my case? When I requested copies of the paperwork from Loans Direct, they advised me that they did not hold letters before 2000. All three loans were from the 1990s: two from 1995 and one from 1999. Instead of having an account beginning with 1000 the loan number was linked to bank account and sort code: 87 XX XX 7XXXXXXX. If they cannot provide me copies of these agreements then how can they possibly say that I had no PPI? What proof could they possibly send me to justify their claim that I had no PPI? I am really disappointed in this and especially so when I have read on this forum that people are getting paid £1200 payments on proof of loan account numbers and dates. I had all that. I even sent a print-out of the loans given to me by my branch in Scotland. Thanks again for your support. Right now I feel totally disgusted with them.

If they cannot provide me copies of these agreements then how can they possibly say that I had no PPI? What proof could they possibly send me to justify their claim that I had no PPI?

This is what i mean,ask them to provide the evidence of no ppi as you reject this unless they can provide proof,give them 14 days to send this to you or you will pass this to FOS.

candylucy

Hi Guys

Credit Card
Abbey via MBNA
Reclaimed £2804.57

DH had a credit card with Abbey a few years ago. Thanks to this website we had a look at his finances and decided to reclaim for PPI on the basis that he had been mis-sold it due to being in the Army (which means he would never need to claim for accident/sickness cover as the Army provide full sick pay).

He rang Abbey to advise them of this and they submitted a complaint straight away. Within 2 weeks (yes, 2 weeks, you have read that right!) he recieved a cheque for £2804.57!!!

Good luck to everyone else

x

santa08

Claiming for ppi against 3 small loans and a credit card which has only a £1000 limit with HSBC
Sent the forms in January and received notification on Saturday that I am getting over £6000 refund...I am shocked and thrilled

dilus

santa08 wrote: »

Claiming for ppi against 3 small loans and a credit card which has only a £1000 limit with HSBC
Sent the forms in January and received notification on Saturday that I am getting over £6000 refund...I am shocked and thrilled

WTG santa08, great result :T

maisieboo47

Hi, I have not posted before although I am an avid follower. I first used the site in 2010 when from advice I had seen on the site I successfully reclaimed from Santander for a BHS card, a Dorothy perkins card and a debenhams card. Also from marks and Spencer Money for a loan and Nat west for a loan too. Thought myself very lucky and thought no more of it until I got a credit check report from Experian and discovered I had an active account with Creation Financial Services for a store card with MK one. The account is in balance to the princely sum of £1.54 but armed with this knowledge I contacted the customer services dept and a very helpful young lady provided me with mt account number and informed me that i did have insurance with them. She even directed me to the department dealing with PPI complaints. I thought it was all going too well, they responded within 4 weeks saying they could not resolve the situation within thare own 4 week time frame and now have another 4 weeks. As I was receiving incapacity benefit at the time for chronic clinical depression, it is obvious that i was never eligible for PPI. I will be interested to see what they come up with in the next 4 weeks and will keep you posted. This is a marvellous site.

dolphziggler20

Have I been mispaid PPI through a Student Loan?

Melonmoon

maisieboo47 wrote: »

Hi, I have not posted before although I am an avid follower. I first used the site in 2010 when from advice I had seen on the site I successfully reclaimed from Santander for a BHS card, a Dorothy perkins card and a debenhams card. Also from marks and Spencer Money for a loan and Nat west for a loan too. Thought myself very lucky and thought no more of it until I got a credit check report from Experian and discovered I had an active account with Creation Financial Services for a store card with MK one. The account is in balance to the princely sum of £1.54 but armed with this knowledge I contacted the customer services dept and a very helpful young lady provided me with mt account number and informed me that i did have insurance with them. She even directed me to the department dealing with PPI complaints. I thought it was all going too well, they responded within 4 weeks saying they could not resolve the situation within thare own 4 week time frame and now have another 4 weeks. As I was receiving incapacity benefit at the time for chronic clinical depression, it is obvious that i was never eligible for PPI. I will be interested to see what they come up with in the next 4 weeks and will keep you posted. This is a marvellous site.

Hi this is the first time I have posted on this site also and only started using the site recently after a friend telling me it's the best place for advice to reclaim PPI. I have recently sent the questionnaire template from this site to MBNA (Virgin) and Egg (now Barclay card) they have sent a letter saying they would let me know within 8 weeks (15th March?) whether I have a claim or not (after paying PPI for 4 years on both!) What I want to ask is, I also have have a Dorothy Perkins card which I haven't used for over a year, yet I am still paying for "account cover" each month! Is this what you reclaimed? and if so did you just write to them or send the questionnaire? I have no idea how long I have had this account for, but it's many years and no longer have a copy of my agreement. Please advise if you can? Thank you.

maisieboo47

Hi melonmoon,
Regarding my dorothy perkins card, my account was still active and it was the PPI I reclaimed, I'm afraid I can not remember what it was referred to as but account cover sounds suspiciously like it. I reclaimed in the days before the FOS questionnaire and so just wrote to them detailing the reasons for missselling. Good luck with your claim.

Melonmoon

Thanks Masieboo47. It's worth a try, nothing to lose really!

Melonmoon

Juno* wrote: »

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!

Well done! This gives me hope as I sent Virgin/MBNA the questionnaire on 20th, received a letter a week later, still waiting but fingers crossed!