PPI Reclaiming successes and failures

smokey74

Hi i am new to this site just thought i would let you know my success.I claimed for ppi i had been paying on my credit card with lloyds tsb.I put the claim in on 11th jan and then had a reply back 5 days later saying they were looking into the complaint.Exactly 8 weeks later i had a offer letter for £2317.50 which i was really happy with.Got up this morning with a nice suprise a cheque from lloyds for the full amount, looks like i can pay off my debts and be debt free i'm so happy.:j

Dave-O_2

Hi All,

I'm new to the site today. It's great reading about all of your successes on the site. Hopefully somebody can help me out with my claim!

I took out PPI with HSBC at some point in the mid 90's and then cancelled it all when I closed my HSBC accounts in 2007. The PPI was sold to me by HSBC but was actually covered by CPP. The insurance covered my credit cards and store cards.

I have written to HSBC with the standard claim letter and they replied within three weeks saying they have no record of me ever having PPI with them. I have sent an email to CPP and they have said pretty much the same. CPP did actually ask me to provide all of my old addresses which I have not yet done.

My question is - should I be claiming from HSBC or CPP in this case? I no longer have any old credit card statements from HSBC and any paperwork I had from CPP has also been destroyed. Is it time for me to go to the ombudsman or should I push harder with HSBC and CPP?

Any advice would be greatly appreciated.

Thanks

sugarpuss27

sugarpuss27 wrote: »

:jTo take a line from from a song " It may be winter outside but in my heart it's spring" Just had a reply from the Halifax today they have upheld my complaint of one of my loans. Not sure how they have worked it out but am well chuffed. There were a succession of loans, one refinancing the other from 2001 to 2005 when the last was consolidated into the mortgage. This particular loan was for 3k over 60 months £972.60 was added for the PPI for this period. This was refinanced 14 months later. They have said in their letter that the offer is including PPI on loans that were opened in June 1999. I have no recollection or paperwork with regards to this one. Their offer calculation is a s follows:
Refund of premiums £128.16
Refund of Interest at 16.9% £33.48
Interest at 8% till 11/4/2012 £154.10
=£315.74
The offer tho is £765.22
Not complaining but cant really make head no tail of it. Any thoughts?
Well my first success, still waiting to hear about the other three, crossing fingers. It makes up for the disappointment from MBNA last week.
Thanks to all you guys for the help and HOPE.
Forgot to say, this took one phone call on the 20th of Feb, they took details of all the loans. First response letter within 5 days and then this today.

Am quoting myself as have just reread the letter. The calculation that I have outlined is for the loan that I have no recollection of. There is no calc for the loan that I complained about. that means that the offer on the complained about loan is £449.41 in total. I am none the wiser but what the hell, this is money I didn't even realise i was owed and that I wouldn't have had. A good day!

dilus

Placida wrote: »

Today OH had offer of £2600 from Black Horse for mis sold PPI on a loan. This makes our total redress so far to over £37000!:j:j

Barclayloans £8,300 paid
BOS loan £9,341 paid
Barclays OD protection £3,774 paid
MBNA £4,159 paid
Natwest Blackcard £7,900 paid
Lloyds TSB Card £1216 paid
Black Horse loan £2600 offered
Just waiting for decision from Halifax and hopefully 100% success!!

To anyone wondering whether to make a complaint -go for it.
All it takes is a few hours filling in forms and a few stamps.(And perhaps a few phone calls and emails if dealing with Barclays:mad:)

Thanks again to this forum and those willing to give their time, advice and support.:T:T

Oh YES :T:T good going Placida

teleop

I have today had letter from Santander re storecard with House of fraser they have rejected my claim. They have sent me a copy of the agreement that i signed , i took the card out instore. I have signed where it says protecting your account. However i no this hasnt been explained to me as i would not have taken it out as i was paid 6 months full pay sick 6 1/2 pay redundancy package & life ins. So why would i pay for something i would never use or need. The acc was opened 2002 and i stopped the ppi 2006. They have had a fortune out of me over that time as card was always to max.It also says i had a 30 day quibble guarantee where i could have cancelled , but i didnt even know i had taken it out. I know i should have taken more notice of what i was signing for but i know now the hard way.It also says the policy was upgraded in 2003 with new T&C which i cant remember getting. So on these grounds they are not refunding any of the payments. Final response. It says if you are not happy to get in touch with FLA. Why them and not the FOS. Not doing so good lately with claims Monument Capital one & now Hof all rejected. Any advise anyone.:mad:

whirlwindtaz

Just wanted to share my experience with Lloyds Tsb PPI reclaim , after thinking I had no chance of a reclaim as I had destroyed all paperwork when I had paid off my loan from 2007.

I thought what have I got to lose, I printed off the claim form direct from LLoyds website and filled in what detail I could find from my online statements ( I paid my loan of early in 2009) 5 days later I received a reply saying that were looking into my complaint further and exactly six weeks later 14th March I received a letter offering me £1300 stating if I was happy with the offer I need do nothing more. ( letter gave no indication as to when money would be paid)

Imagine my surprise when checking my bank account the following morning £1300 had already been deposited. I count myself to be one of the lucky ones as for the price of a 1st class stamp I feel like I have had a windfall ( and I nearly didnt bother as didnt have any paperwork to back up my claim)

Maybe they have got off lightly and thats why the money was deposited quickly but I am more than happy and just wanted to say to anyone else teetering on the edge of shall I shant I ...just go for it .... what have you got to lose.

di3004

Clinkclink wrote: »

Hi Am new to this site, I rang Lloyds Tsb ppi claims line on 7th feb about 3 previous loans, I did not have any loan numbers so they gave me the number of the loan dept and the lady there confirmed I actually had 5 previous loans all with PPI. I received a confirmation letter a week later saying that they are looking into it and I should hear back within 8 weeks, here's hoping its succesfull :j:D Will keep you updated as to the outcome.

Hi and welcome

That is cool, the best of luck!;)

di3004

PrincessSoo wrote: »

Hiya everyone

And thanks to Martin and his e-mails I was offered just £2180 ish from lloyds for mis selling of ppi I received the letter confirming this on 10.03.2012. On Monday a partial refund of £645 was transferred to my bank as I was curious I rang them to see why I had only received a partial refund. They advised interest etc and they advised I would receive the rest shortly..... this hasnt happened yet. Has anybody else received their refund like this any info would be much appreciated

thanks Sue

Well done on your success Sue!:beer:

Yes I believe they do it this way, keep an eye on your account early next week, if nothing by the middle or end of next week, give them a call.
Good luck!

di3004

MHO wrote: »

I paid it for the duration of the time and settled in full at the end of 2007.

Claim went in last Thursday!

Hi
You should see every penny of what you paid of PPI - duration of the loan and relevent interest on top.

Fingers crossed for you.;)

di3004

scoggs wrote: »

What you were reclaiming: Barclays Overdraft PPI x2accounts

Who was the provider: Barclays Bank

How much did you get back:

Account 1: £784.84

Account 2: £444.30

Did you get it back after a letter or did you go to the Financial Ombudsman: FOS questionnares sent 2nd February

Looking through other peoples stories I decided to give it a go. Phoned the Barclays Dublin office and a very helpful lady reeled off account numbers and dates of when the accounts were open.
Sent off FOS questionnares on th 2/2/12 and recieved a response on account 1 on 16/3/12 and account 2 13/3/12 upholding my complaints. These amounts will be credited to my Bank account that I no longer use with Barclays.
These 2 accounts are still overdrawn at present, but now no longer, so debt free from Barclays as these amounts pay off the existing overdrafts.

So for anyone thinking about reclaiming, go on do it Do it yourself though as it is very easy and all monies will be yours (except the 8% interest is taxable)

It took only 6 weeks for Them to get back to me, which I thought was pretty quick for Barclays.

Now I will try for a Loan I took out in 1996 and my 2 Barclaycards.

Well done and Congratulations!:beer:

Good luck on the others as well!