PPI Reclaiming successes and failures

Sezyb123

First time posting- Can anyone tell me if ltsb give you a rejection letter straight away or do they take the full 8 weeks allowed to get back to you. I wrote to them on the 20 th feb, got a letter on the 27th saying they were looking into my claim and ive heard nothing since and that has now been 5 weeks. I also sent one to Halifax and that has been the same. Thanks!

evertrue

Sezyb123 wrote: »

First time posting- Can anyone tell me if ltsb give you a rejection letter straight away or do they take the full 8 weeks allowed to get back to you. I wrote to them on the 20 th feb, got a letter on the 27th saying they were looking into my claim and ive heard nothing since and that has now been 5 weeks. I also sent one to Halifax and that has been the same. Thanks!

They ussually take the 8 weeks to reply with an answer one way or the other, let us know how you get on

[Deleted User]

Sezyb123 wrote: »

First time posting- Can anyone tell me if ltsb give you a rejection letter straight away or do they take the full 8 weeks allowed to get back to you. I wrote to them on the 20 th feb, got a letter on the 27th saying they were looking into my claim and ive heard nothing since and that has now been 5 weeks. I also sent one to Halifax and that has been the same. Thanks!

You can read how the whole process, from start to finish, is likely to progress here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

It really is a game of patience...

notamoneygrabber

our journey almost over offer letter for mortgagesure arrived today they are paying up no problem.
so thats about it 6 loans,2 credit cards and the mortgagesure £:rotfl::rotfl::beer:25000 plus what a result in total.
we have had absolutley no problem with lloydstsb UK staff everything on time .had one or two issues with the overseas dept but in the end i would like to say well done lloydstsb UK staff.
i would also like to say A BIG THANKS to all MSE staff for their advice and help without your help we might have gone mad but you people help to steady the ship to our success.THANKS AGAIN.

[Deleted User]

notamoneygrabber wrote: »

i would also like to say A BIG THANKS to all MSE staff

With respect, we're not "staff", we're unpaid posters on a public forum!:p

Any donations gratefully accepted!

Laminypie

Got my offer letter this morning for 7.5k from lloyds. Taken 7 wks till this point. Chuffed with total


Now comes the long wait for payment

amersall

nutty_nat wrote: »

:beer::j:money::beer::j:money:
Our adjudicator at the FOS is upholding our complaint against Central Trust. They are writing to central trust this afternoon and they have 14 days to respond.

Fingers crossed at least we have won round one :p;)

:T:T:T:T:T whoopee doooooo :rotfl:

amersall

Marmaladebramble wrote: »

Hello,

After very nice wins with HSBC and two with MBNA (just awaiting figure on the loan settlement), RBS has rejected my complaint for a credit card claim, stating I had taken out the PPI with all the facts via a postal application, therefore it was a non advised sale etc, and the terms and conditions posted to me set out what it covered.

They sent me a very comprehensive reply and stated they had enlcosed a copy of my orginal application, statements and terms and conditions. However out of these three documents, the copy of my original application is missing.... needless to say I have written to them to ask for this.

Has anyone else had experience of missing documents etc? I am assuming it is just an error on their part.

when I first wrote to them they said they had no details of me on their system, despite a copy of a statement and the account number on the questionaire.

I was quite tempted to reply saying if they had no record of me, I wouldn't have to pay the remainder of my bill!

This could be a delay tactic, see if they send it out to you.

amersall

Moneyineptitude wrote: »

With respect, we're not "staff", we're unpaid posters on a public forum!:p

Any donations gratefully accepted!

My bill is in the post 0% and no Vat :D

Still waiting on March pay from Martin though :rotfl::rotfl::p

amersall

kissitbetta wrote: »

In the course of helping my sister with her finances (following the sudden death of my niece) I have discovered she had been paying PPI on just about EVERYTHING!

We have just had a success with Lloyds TSB loan (£10,000+) and we are claiming on the TSB credit card at the moment.

We put a claim in for the Santander Evans storecard and have received a rejection on the grounds that she was supplied with the paperwork "30 day no quibble guarantee" and it was up to her to reject it or it was taken that it was an acceptance.

My point is, as we explained to the company, that I believe it was sold as a compulsory feature of the card. At no time was it made clear she could "opt out" and keep the card. Have the card, with insurance, or not at all which if I understand it correctly is "misselling"? I need to request copies of the agreements as we can't find them and my sister does not recall receiving them or signing anything.

The letter also refers us to complain to the Finance Leasing Association not the Ombudsman. Is this correct? Do I go back to them once more or go straight to a higher authority?

Any advice? Anyone else had "issues" with Santander/Evans?

The FLA are rubbish, but you can try them it won't hurt.
The FOS has no jurisdiction due to the year this was taken out, you could try the Insurer for a mis sell claim and if they say no, then FOS may help.