PPI Reclaiming successes and failures

teleop

:jRang BOS today for update of cc claim . Adviser told me they had sent me a letter. I asked him could he tell me if it had been upheld he said yes & told me the first card £800 the 2nd £1000. So i am now just waiting for letter .:j Thanx to going on this site & reading all the successes that i tried . Also for the help & encouragement from Di & Amersall, goes without saying they both brill & give as much good advice as poss.:T:T To date i have had upheld Halifax loans & cc. BOS cc x2. MBNA cc. All good stuff. Brilliant stuff. Good Luck to all with claims keep going as i have said before if i can do it so can you.:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

di3004

teleop wrote: »

:jRang BOS today for update of cc claim . Adviser told me they had sent me a letter. I asked him could he tell me if it had been upheld he said yes & told me the first card £800 the 2nd £1000. So i am now just waiting for letter .:j Thanx to going on this site & reading all the successes that i tried . Also for the help & encouragement from Di & Amersall, goes without saying they both brill & give as much good advice as poss.:T:T To date i have had upheld Halifax loans & cc. BOS cc x2. MBNA cc. All good stuff. Brilliant stuff. Good Luck to all with claims keep going as i have said before if i can do it so can you.:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl:

WOW that is so fab! Very chuffed for you!

Congratulations all round!:beer:

And your most welcome xx:A

toni66

Can I ask a quick question, i have a claim going through with Nationwide, they received it on the 6th Feb, they have also sent me a letter back and said they are looking into my claim. It seems to me they are taking along time, i know they have 8 weeks, but when I have been reading others on here, their claims seem to get dealt with quicker, is Nationwide always this slow, or is it im to eager.

Toni

di3004

toni66 wrote: »

Can I ask a quick question, i have a claim going through with Nationwide, they received it on the 6th Feb, they have also sent me a letter back and said they are looking into my claim. It seems to me they are taking along time, i know they have 8 weeks, but when I have been reading others on here, their claims seem to get dealt with quicker, is Nationwide always this slow, or is it im to eager.

Toni

Hi Toni

Hopefully this will mean a good outcome.;)

But if worried maybe you could ring them and just ask at what stage are they are with your complaint, I think they may tell you.

Good luck x:)

toni66

thankyou for your reply di3004, its just that sometimes when i ring them, they make me feel awful for claiming, x

di3004

toni66 wrote: »

thankyou for your reply di3004, its just that sometimes when i ring them, they make me feel awful for claiming, x

Yes I can understand that as I get nervous over the phone, but remember lots are doing it every day and they are not allowed to question you.;) x

toni66

thankyou i think i will give them a ring now xxx

toni66

Just spoke to them, they said the same as last time, we are looking into your case, and you will have an answer around the 1st april, they dont tell you anything, so annoying

amersall

karenb7740 wrote: »

Thanks for your reply amersall. not sure i understand what you mean about a credit balance though. They did confirm that they did refund all premiums back to 2002 when the card was opened. You dont think it is worth querying with them then? I suppose they are not likely to have got it wrong, although the 3 cards mirrored each other from the beginning really.

When the card is put back in credit for any month, then you do not get the 8% on those months, if this goes back to 2002 it could be that you had a few months of a credit balance, sometimes a card that has been running for 12 months may get more interest than a card that ran for 12 years, this is to do with the way it is worked out.

To be honest they way they work CC redress out is not "simple", wait for someone who knows how this works to help you, i am sure they will.

amersall

karenb7740 wrote: »

could someone please advise who i could seek advise from regarding a credit card offer that i have received through from bank of scotland.
On 5th sept my oh and myself sent off 3 complaints to bank of scotland regarding halifax, sainsburys, and unifi credit cards. They were all taken out within 9 months of each other and had the same revolving credit on the cards. The ppi was also removed from them all at the same time.
In dec we received offer letters for halifax and sainsburys, and we accepted these offers and cheques were issued. I had to chase unifi as had heard nothing. Due to an error on their behalf they had linked my two claims (unifi and sainsburys), that were under seperated claim no's together. They advised would sort out immediately and has taken numerous calls to date to eventually get offer on unifi.
The problem i have is that the amount is considerably less than the other two cards. On tel today to get advise as to whether they would be able to look into today they advised would be put back in system and call within 28days again, so did nothing as yet.
Details as follows.
Halifax cc- refund of premiums paid 1560.26
refund of int on these premiums £2559.50

sainsburys cc - refund of premiums paid £2016.37
refund of int on these premiums £3678.33

unifi - refund of premiums pd £1772.96
refund of int on these premiums £1351.25

so in affect i paid more premiums on the unifi than the halifax and only £243.41 less premiums on the unifi than on the sainsburys.
They state refund is all premiums paid, and simple interest at 8%.
They then added approx £20 on top of each to cover further 8% int for additional 30days to allow for cheque to arrive.

Would anyone have any advise regarding this or will i have to go back to them and get put back into the pile. Any help appreciated.

bumping for dilus or cappo xx.