PPI Reclaiming successes and failures

wilpipski

Hi everyone , i saw this site and thought i would share my good news.
I have been offered £21.000 from llyods for my PPi claim. the best thing about it is that all i did was make 3 phone calls , no forms nothing!! I cant believe it.:j

di3004

wilpipski wrote: »

Hi everyone , i saw this site and thought i would share my good news.
I have been offered £21.000 from llyods for my PPi claim. the best thing about it is that all i did was make 3 phone calls , no forms nothing!! I cant believe it.:j

Excellent! Congratulations all round!:beer:WOW lotta money there! enjoy!:D:beer:;)

wilpipski

thankyou , i am still in shock, just goes to show how much the bank has been taking off me with out me knowing. thats the mortgage sorted!! especially when my wife hopefully gets her money back too

Suerina_76

Hi was wondering if any of you lovely people may be able to help this is my 1st post so bear with me. Does anyone have an email address for someone senior at NRAM was sent a offer of refund of ppi at beginning feb sent it straight back the standard 28 days passed and still no refund have rang twice and have been fobbed off now on day 34 and am losing patients with there incompetence. Any help greatly recived.

[Deleted User]

Suerina_76 wrote: »

Does anyone have an email address for someone senior at NRAM was sent a offer of refund of ppi at beginning feb sent it straight back the standard 28 days passed and still no refund have rang twice and have been fobbed off now on day 34

You might wish to follow the lead of poster gringo2000 (posting on the very long LloydsTSB thread). He sent the Bank a registered letter (not E-Mail) threatening court action if he didn't receive his money and giving a 14 day deadline.
Here's a link to some of his posts:
https://forums.moneysavingexpert.com/discussion/comment/51487071#Comment_51487071

and more
https://forums.moneysavingexpert.com/discussion/comment/51213899#Comment_51213899

dai1927

Moneyineptitude wrote: »

Forget your mortgage
Look at the reasons for complaint and if any HONESTLY apply, follow the simple steps and complain. I know that HSBC will send you the FOS consumer questionnaire anyway, so you may as well fill it out now.

With regards to the Halifax TPPM i have many stories on here and other forums that people just rung up and said they were mis sold due to not being made aware they could get it cheaper elswhere and were told they had to have it as part of the mortgage, the same as i was told, and they were successful in getting huge refunds, so why should mine be any different.

[Deleted User]

dai1927 wrote: »

With regards to the Halifax TPPM i have many stories on here and other forums that people just rung up and said they were mis sold due to not being made aware they could get it cheaper elswhere and were told they had to have it as part of the mortgage, the same as i was told, and they were successful in getting huge refunds, so why should mine be any different.

I've not personally seen many MPPI success stories. The fact is that the promotion of this kind of payment protection is mandatory on mortgages. It's usually set up correctly and not being told a competitor is cheaper is not a reason to complain mis-selling occurred.
Good luck with your other complaints...

dai1927

Moneyineptitude wrote: »

I've not personally seen many MPPI success stories. The fact is that the promotion of this kind of payment protection is mandatory on mortgages. It's usually set up correctly and not being told a competitor is cheaper is not a reason to complain mis-selling occurred.
Good luck with your other complaints...

It seems that some people were payed out due to Halifax upholding any claims for a certain period, not sure if they are still doing this or if that period has finished, but surely i have a case if they pay out some for that reason and then stop due to the period ending, if you get what i mean.

[Deleted User]

lately wrote: »

It is important to remain positive and hopefully others will advise you as well.

dai1927 wrote: »

It seems that some people were payed out due to Halifax upholding any claims for a certain period, not sure if they are still doing this or if that period has finished, but surely i have a case if they pay out some for that reason and then stop due to the period ending, if you get what i mean.

I'll let others reply to this...

magpiecottage

dai1927 wrote: »

I put a complaint against Halifax tppm on the grounds that i thought i had to have it

Your misconception is not grounds on which to uphold a complaint. It is necessary to show that the misconception was the fault of whoever it is you are complaining to.

and thought it was part of the mortgages procedure to have it

Ditto

and also that i was not told i could have shopped around for a cheaper quote etc.

Never been a requirement to do that.

I also put a complaint against First plus, i took out a loan in 2003 and said i was pressured into having ppi as it would help my application, although im not sure they did but its my word against them

Section 2(2) of the Fraud Act 2006 says:

"A representation is false if—

(a)it is untrue or misleading, and

(b)the person making it knows that it is, or might be, untrue or misleading."

Given that an offence under the Fraud Act can carry a custodial sentence presenting something as truth which you know may not be in order to get redress you may not be entitled to seems a rather high risk strategy.

but would they still hold the telephone recording from this time.

If your allegation is untrue you had better hope not!