PPI Reclaiming successes and failures

LoopeyLuLu

Thank you for the wealth of knowledge I found on this website. Today I received a letter from Halifax Credit Card with the following offer:

Refund of Premiums 4374.52
Refund of Interest because of PPI 3681,61
Interest at 8% 245.82
Total £8301.95

Downloaded the form from this site and posted it on 18 Jan
Acknowledgement from Halifax 23 Jan
Offer letter today 27 Feb
Now just waiting for the cheque

Thank you everyone:heartsmil

juttermanning

amersall wrote: »

:j:j:j:jwell done and congrats to all winners this week:T:T:TSPECIAL CONGRATS TO WINNERS WITH MY FAVE COMPANY IN THE WHOLE WIDE WORLD:p:p:p BARCLAYS FIRST PLUS:T:T:T:T:T:T

Had a letter from them with an offer of £4512. Have duly accepted and will now await my cheque.
As we are going away in June to Salou, this has taken all the worry away about spends. Me, the missus and the kids are going to have a great time:j
Just waiting on me first claim now, but anything off that will be a bonus as it is going to the underwriters and FOS

teleop

LoopeyLuLu wrote: »

Thank you for the wealth of knowledge I found on this website. Today I received a letter from Halifax Credit Card with the following offer:

Refund of Premiums 4374.52
Refund of Interest because of PPI 3681,61
Interest at 8% 245.82
Total £8301.95

Downloaded the form from this site and posted it on 18 Jan
Acknowledgement from Halifax 23 Jan
Offer letter today 27 Feb
Now just waiting for the cheque

Thank you everyone:heartsmil

Brilliant news well done .:j How quick is that hope mine is the same . :beer:

Sophieh_2

Does anyone know if it will be worth doing a SAR with Capital One when they have rejected our request for a copy of the signed credit agreement as the card was in arrears it was therefore NOT subject to the consumer credit act section which states you are entitled to a copy? Just wonder if they will spout the same rubbish??

rolowinch

Hi all,

Just wanted to share our success with you all and thank you all for your invaluable support and advice.
Lloyds TSB - submitted a complaint early October 2011, received letter upholding complaint dated 4th January 2012 with calculations until 1st Feb. Recalculated 18th February until 17th March. Monies received into bank account today £3726.90.

One letter, one stamp, one very happy bunny!

Good luck to all still in the process. If you have been missold, then rightfully complain and receive whats yours.x

daveyadams

kirstym1 wrote: »

Hiya I'm a newbie here I want to make a claim on my virgin credit card which I cancelled the ppi on last summer. How did you make the claim?

Just filled in the FOS questionnaire and sent it straight off to MBNA.

oddziees

Hi Everyone.We had a claim upheld in November and paid in December for a loan we had with Lloyds TSB. we thought we were all done until I was paying of the credit card also with Lloyds to see I'd got PPI on it, what, how did that happen!!!! So, I started my claim on 6th of January and have had a letter dated the 12th of January. Do I take my 8 weeks from the 6th or the 12th? Or a third option forget timescales it'll be settled sometime never LOL. I know I've already had some back but this would add a bit more to Hubby's pension pot LOL!!! Yes we no longer think in terms of foreign holidays and new cars the priority is the pension!!!!! How sad is that eh?

monstermuncher

Sophieh wrote: »

Does anyone know if it will be worth doing a SAR with Capital One when they have rejected our request for a copy of the signed credit agreement as the card was in arrears it was therefore NOT subject to the consumer credit act section which states you are entitled to a copy? Just wonder if they will spout the same rubbish??

My understanding is that they have to comply with a SAR regardless of your account.

I guess the credit agreement is a two way thing, and they could argue that if you've not stuck to your end the agreement is void. The Data Protection Act though isn't an agreement.

That's my interpretation, but I'm by no means an expert!

lately

I am so pleased!:rotfl:
Called Mint in late November to settle my account and noticed the PPI on the statement asked them what it was, they explained so I complained.today
Received a letter (was waiting for a letter from LLoyds) from RBS making me an offer of £5,138.91

Refund of Premiums £2490.68
Compound Interest on premiums £2069.19
Refund of erroneous overlimit fees £108.00
Interest at FOS rate 569.29
Less tax at 20% -£113.86
They took longer than 8 weeks to respond £19.51
Less tax at 20% -£3.90
Net Interest £15.61
Total £5138.91

I have signed and posted the acceptance form and now just waiting for the cheque to arrive!

That is what I call a RESULT:j
Couldn't have done it without MSE:A

nobsac

:beer:
Took out a large loan with Natwest(RBS) 5 years ago, still paying it back now, in January I came home from work to find the wife trawling through loads of paperwork, she had had heard about PPI mis-selling and thought that we had a PPI on the loan, and we had been told we had to take out the PPI due to the large amount we were borrowing, she had contacted a couple of companies asking advice on how to claim it back, they were obviously eager to do this for us! but when we discussed this they were going to charge us 25%, so I looked at MSE and found the form to fill in and all the information I needed (thanks Martin) form filled in and sent to PPI customer concerns team in Manchester on 19th January, we recieved a letter on the 30th January confirming they had recieved our complaint and would deal with it, it would take upto 8 weeks.
25th February recieved two letters from bank making me two offers, one for the loan we were claiming for and one for a previous loan.

Offers :- £7,548.26
£1,258.07

This will be paid into my account within 28 days
So we are well chuffed and we saved ourselves well over £2000 in fees by doing it ourselves, Many thanks for the advise:rotfl: