PPI Reclaiming successes and failures

Funktchic

Just to let you all know, I called Lloyds today and the refund payment was processed on the 8th & the money should be in my current account any day now! 3709.83!

Anyone that had a letter from Lloyds that had the statement about the personal loan service centre sending a statement about the payments into your loan account, this is because any open loans will be adjusted to reflect the PPI being removed from your loan, so you should see the funds in your account & not being paid off your loan! (that's how it is for me anyway)

Good Luck!!!!

di3004

Funktchic wrote: »

Just to let you all know, I called Lloyds today and the refund payment was processed on the 8th & the money should be in my current account any day now! 3709.83!

Anyone that had a letter from Lloyds that had the statement about the personal loan service centre sending a statement about the payments into your loan account, this is because any open loans will be adjusted to reflect the PPI being removed from your loan, so you should see the funds in your account & not being paid off your loan! (that's how it is for me anyway)

Good Luck!!!!

Great news! Congratulations!:beer:

oddziees

di3004 wrote: »

Not a problem.:D:A Happy to help. Let us know how you get on, am watching with interest lol.:j;) Xxx:beer:

Well Di he rang this morning and was apologised to profusely!!! He was then directed to a manager that thinks he was overlooked (ow), and they will escalate his claim for him, they think he has just been caught up in the masses of claims (well they should have been more careful). THANK-YOU so much for your advice it was spot on.We're not sure how long all of it will take now but at least an email was sent from one PPI department to another so that's a forward step (who am I kidding)LOL.

di3004

oddziees wrote: »

Well Di he rang this morning and was apologised to profusely!!! He was then directed to a manager that thinks he was overlooked (ow), and they will escalate his claim for him, they think he has just been caught up in the masses of claims (well they should have been more careful). THANK-YOU so much for your advice it was spot on.We're not sure how long all of it will take now but at least an email was sent from one PPI department to another so that's a forward step (who am I kidding)LOL.

Hiya

Your welcome.;)

Good for you chasing this up!:T

Yes, keep at them if you have to, and again next week for updates, they will soon sort it.

Thanks for letting me know, will keep a look out for your posts.

All crossed here for you x

oddziees

badger735 wrote: »

Our 8 weeks were up fri we called them and was told our cc complaints were upheld and told us what we were being offered but wouldnt tell us about the loans and said the letters were in the post!!!! hopefully will get something tomorrow. Id just give them a quick buzz

Thanks Badger (love the name) He rang this morning ad they've lost him (poor thing), they hope to escalate his claim now though, fingers crossed eh? They looked on the system and nothing at all was done since 06/01/12!!!

oddziees

di3004 wrote: »

Hiya

Your welcome.;)

Good for you chasing this up!:T

Yes, keep at them if you have to, and again next week for updates, they will soon sort it.

Thanks for letting me know, will keep a look out for your posts.

All crossed here for you x

I'll let you know as soon as we have any more news, they are now aware of the problem and like Hubby says they will have deadline targets to meet and everyone case outstanding they can be fined for, he works for the NHS and they have something very similar.

di3004

oddziees wrote: »

I'll let you know as soon as we have any more news, they are now aware of the problem and like Hubby says they will have deadline targets to meet and everyone case outstanding they can be fined for, he works for the NHS and they have something very similar.

Thank you.

I'm sure all will work out just fine, and that is correct, they do have a deadline target, if they go over, then get your local MP to chase them on your behalf, it's worked for many others. x

kitty1965

Any advise of this please
Thank you for your email.

From the information you have given it appears that the company you are dealing with is Claims for Refunds Limited. I can confirm that it is an authorised claims management business with the authorisation number of 18156. This means that they are authorised to carry out regulated claims management services. There is a website at and Claim4refunds is a trading name of Claims for Refunds Limited.

Our remit, in respect of complaints, is to look into the way in which a business has handled your claim, and decide whether the business has handled your claim in accordance with our rules. If, having determined from a valid complaint, a business has breached its terms of authorisation, we will take appropriate action, as necessary, in accordance with our enforcement policy. However, it is important to note that any action taken will not directly affect your claim, and The Claims Management Unit, or Regulator, cannot do any of the following: -

• Re-open a claim.
• Change, or influence, any decision made by the Financial Ombudsman Service or Courts.
• Make representations to third parties on your behalf.
• Take over the handling of your claim.
• Advise you on legal matters, or disputes, not related to the Compensation Act 2006.

The issue that you raise is a private contractual matter between you and Claims for Refunds Limited and you need to refer to the terms and conditions you agreed to when you signed the paperwork. If you do not have a copy of the terms and conditions or documents that you signed you should write to the business and ask them to provide you with a copy. I advise you to keep a copy of your letter and send it by recorded delivery so you can prove it was received.


As the claim is now at the settlement stage the business could argue that their full fee is due as there is no more work to be done. If you need advice on your contractual rights and obligations you should contact Consumer Direct (08454 04 05 06) or your local citizens advice bureaux.

If you are dissatisfied with your dealings with this business ie lack of response to phone calls, I suggest that you make a formal complaint to the business suggesting how the issue could be resolved. You should do this in writing and send it by recorded delivery. You should expect a response from the business in line with the businesses complaints handling procedure. .

• A business may decline to consider a complaint that is made more than six months after the complainant became aware of the cause of the complaint.
• A business must send a written or electronic acknowledgement of a complaint within five business days of receipt, giving the name or job title of the individual handling the complaint for the business, together with details of the business’s internal complaints handling procedures.
• A business must, within four weeks of receiving a complaint, send the complainant either:

a) a final response; or
b) a holding response, which explains why it is not yet in a position to resolve the complaint and indicates when the business will make further contact (which must be within eight weeks of receipt of the complaint).

Regarding the point about whether the bank will contact Claims for Refunds Limited about the settlement offer – you need to refer your terms and conditions as there may be a clause that says you should keep them informed of any communication between you and the bank.

If you need further information please contact us and quote reference 173032.

Regards
Consumer Support Team

Claims Management Regulation Unit
57-60 High Street
Burton on Trent
Staffordshire
DE14 1JS

badger735

oddziees wrote: »

Thanks Badger (love the name) He rang this morning ad they've lost him (poor thing), they hope to escalate his claim now though, fingers crossed eh? They looked on the system and nothing at all was done since 06/01/12!!!

That happened to us the first time we called. Had our final letters back today all complaints upheld!!!!!! Good luck xxxx

di3004

kitty1965 wrote: »

Any advise of this please
Thank you for your email.

From the information you have given it appears that the company you are dealing with is Claims for Refunds Limited. I can confirm that it is an authorised claims management business with the authorisation number of 18156. This means that they are authorised to carry out regulated claims management services. There is a website at and Claim4refunds is a trading name of Claims for Refunds Limited.

Our remit, in respect of complaints, is to look into the way in which a business has handled your claim, and decide whether the business has handled your claim in accordance with our rules. If, having determined from a valid complaint, a business has breached its terms of authorisation, we will take appropriate action, as necessary, in accordance with our enforcement policy. However, it is important to note that any action taken will not directly affect your claim, and The Claims Management Unit, or Regulator, cannot do any of the following: -

• Re-open a claim.
• Change, or influence, any decision made by the Financial Ombudsman Service or Courts.
• Make representations to third parties on your behalf.
• Take over the handling of your claim.
• Advise you on legal matters, or disputes, not related to the Compensation Act 2006.

The issue that you raise is a private contractual matter between you and Claims for Refunds Limited and you need to refer to the terms and conditions you agreed to when you signed the paperwork. If you do not have a copy of the terms and conditions or documents that you signed you should write to the business and ask them to provide you with a copy. I advise you to keep a copy of your letter and send it by recorded delivery so you can prove it was received.


As the claim is now at the settlement stage the business could argue that their full fee is due as there is no more work to be done. If you need advice on your contractual rights and obligations you should contact Consumer Direct (08454 04 05 06) or your local citizens advice bureaux.

If you are dissatisfied with your dealings with this business ie lack of response to phone calls, I suggest that you make a formal complaint to the business suggesting how the issue could be resolved. You should do this in writing and send it by recorded delivery. You should expect a response from the business in line with the businesses complaints handling procedure. .

• A business may decline to consider a complaint that is made more than six months after the complainant became aware of the cause of the complaint.
• A business must send a written or electronic acknowledgement of a complaint within five business days of receipt, giving the name or job title of the individual handling the complaint for the business, together with details of the business’s internal complaints handling procedures.
• A business must, within four weeks of receiving a complaint, send the complainant either:

a) a final response; or
b) a holding response, which explains why it is not yet in a position to resolve the complaint and indicates when the business will make further contact (which must be within eight weeks of receipt of the complaint).

Regarding the point about whether the bank will contact Claims for Refunds Limited about the settlement offer – you need to refer your terms and conditions as there may be a clause that says you should keep them informed of any communication between you and the bank.

If you need further information please contact us and quote reference 173032.

Regards
Consumer Support Team

Claims Management Regulation Unit
57-60 High Street
Burton on Trent
Staffordshire
DE14 1JS

Hiya
Thanks for posting this.

Have you decided on what your going to do on this with the claims company?