PPI Reclaiming successes and failures

[Deleted User]

mumofjanda wrote: »

Can I ask when you opened this account as my oh has just had the his complaint rejected for the same reason and believes the box was pre-ticked as well,

It was Summer 2007 before all lenders agreed to stop this practice, so anything taken out prior to this may well have had a pre-ticked box. Good luck!

dean111

Moneyineptitude wrote: »

This could be just the information that Dean111 needs to hear...

thank you for your help, i will let you know how i get on.

mumofjanda

Moneyineptitude wrote: »

It was Summer 2007 before all lenders agreed to stop this practice, so anything taken out prior to this may well have had a pre-ticked box. Good luck!

OH's was taken out in 2005! Thank you!

[Deleted User]

dean111 wrote: »

thank you for your help, i will let you know how i get on.

Go for it!;)

dean111

lostcount wrote: »

The FOS did not say anything. I sent off all the copies of all the letters and emails between MBNA and me. Also filled out the FOS form. Received the usual letter back saying it could be up to a year because of the back log. 6 weeks later received letter from FOS saying MBNA is going to make a goodwill payment under the FOS terms. 6 weeks later had the cheque for 16K. I did see on this site that MBNA did use pre-ticked boxes so added this to the FOS form.

Hope this helps.

thanks for the info, i will let you know how i get on.

hall.brian

CAN ANYONE HELP HERE ...I JUST FOUND OUT ...I WON MY PPI AT £3179..:rotfl:....NO...WELL I PHONED BARCLAY THEY SAID THEY KEPT £2400..OFF ME AND THE REST TO DEBT FREE DIRET...I WAS IN A IVA BUT IT FAILED SO I STARTED TO PAY PAYMENTS TO CREDITORS ...BUT NEVER DID BARCLAYS ATTEMPT TO GET IN TOUCH WITH ME ..SO AS FAR AS THEY WERE CONSERNED THEY TOOK THE MONEYS OFF WHAT I OWED THEM ...MY PPI IS OFF A LOAN IN 2005 ..FULLY PAID OFF... DEAD AND BURRIED LOAN NO PROBLEM LOAN...NOW I THINK THATS MY MONEY ...NOT.... THERES... EVEN IF I DO OWE THEM MONEY NOW..CAN THEY OR ARE THEY ALLOWED TO KEEP MONEY OFF ME TO PAY OFF OTHER ACCOUNT ..MY FRIEND OWED HER BANK THE SAME BUT THEY PAID HER...PLEASE HELP IF U ..UNDERSTAND ME ..THANK YOU.

di3004

hall.brian wrote: »

CAN ANYONE HELP HERE ...I JUST FOUND OUT ...I WON MY PPI AT £3179..:rotfl:....NO...WELL I PHONED BARCLAY THEY SAID THEY KEPT £2400..OFF ME AND THE REST TO DEBT FREE DIRET...I WAS IN A IVA BUT IT FAILED SO I STARTED TO PAY PAYMENTS TO CREDITORS ...BUT NEVER DID BARCLAYS ATTEMPT TO GET IN TOUCH WITH ME ..SO AS FAR AS THEY WERE CONSERNED THEY TOOK THE MONEYS OFF WHAT I OWED THEM ...MY PPI IS OFF A LOAN IN 2005 ..FULLY PAID OFF... DEAD AND BURRIED LOAN NO PROBLEM LOAN...NOW I THINK THATS MY MONEY ...NOT.... THERES... EVEN IF I DO OWE THEM MONEY NOW..CAN THEY OR ARE THEY ALLOWED TO KEEP MONEY OFF ME TO PAY OFF OTHER ACCOUNT ..MY FRIEND OWED HER BANK THE SAME BUT THEY PAID HER...PLEASE HELP IF U ..UNDERSTAND ME ..THANK YOU.

Hi and welcome

I am aware if there are any outstanding arrears they are allowed to use the refund towards them, and also any balance, but anything remaining should come back to you plus the interest.
It does however vary from one bank/business to the other, and to what I am aware of as long as the arrears are cleared, you can argue that you would prefer to receive the remainder of what is left, because you were hoping to use the money for maybe another debt.

On settled accounts, you should receive all your refund.

However, did you sign, or did they just automatically do this?

di3004

Well done and Congratulations to all winners of today!:beer::beer:

hielander66

Did anyone take out a policy with CPP some way back and will this inhibit or indeed be fatal to a claim for wrongful PPI on a credit card?

santa08

After 8 weeks waiting on a decision from Barclaycard Egg they have sent me a letter to say they have still not come to a final conclusion and need more time. The letter gives no time line but advises that if I wish I can approach the FOS. Does this sound like they are staking before sending my rejection letter or staling cause my claim will be upheld and they don't want to pay out? The FOS should sort Barclaycard out and insist that they get their act together instead of pushing work in the direction of the FOS. Any suggestions? I have emailed Bob Diamond and David Chan today to tell them of their disgusting service and how they faired against HSBC and Halifax