PPI Reclaiming successes and failures

amersall

qvcaddict_1957 wrote: »

i had a letter from capitol one just after xmas which i filled in and just got a letter back last week saying their refunding me 1700 pounds thing is i have 2 other capitol one cards but havent had any letters to fill in for them,why not?

Did you put the claim in for all 3 accounts?, if you did then they should be dealing with them, they should send you a breakdown of the calculations as well, it is possible that is the redress for all 3.
Give them a ring and ask about the other 2 if you put the claim in for these, if you did not then you will have to do a claim again for the other 2.

amersall

qvcaddict_1957 wrote: »

Can you actually claim back all over drawn charges from your bank?

Look here and this will guide you.

http://www.moneysavingexpert.com/reclaim/bank-charges
If you need anymore help then just ask.

amersall

75bex wrote: »

Hi I am makin a claim with lloydstsb for 5 rolling loans and a credit card,all I had to do is ring there ppi claims dep they put me straight thru to get all the ref numbers then put my claim straight in received a confirmation letter sayin they where lookin at the claim I did this mar 15th so got 2 wks left till 8 wks up typical on holiday next wk bet I get my response then,I like many was told I either will be refused loan or higher interest if I didn't take ppi even tho I thought it was just insurance for them not me,so here's hopin they uphold my claim as I have always been a very loyal customer and all my bills sorted thru Lloydstsb xxx

Fingers crossed x.

amersall

lickoloctupus wrote: »

I received my cheque and banked it yippee,,,then today i have received another letter stating I am owed £2489. The first amount of £939.37 was for the loan and this second amount is for the mortgage. I over the moon. My claims so afr as follows.
HSBC £6800
MBNA £4900
Barclaycard £1200
Halifax £3400
Bank charges £8900.
The only down side is that the Ombudsman is refusing to upheld my claim for Marks and Spencer's store card from 1995 and personal reserve from 1999 as they are stating that
1) I had ample time to cancel the policies as they were shown as separate amounts on my statements.
2) The wording on the form I filled in was easy to understand.
3) the sales advisor did not need to have the financial acumen to sell the policy as I could understand it.
4) I ticked the box.


This does not include the £13000 I claimed back for my father in law from HSBC because he was self employed.

:j:j Well done you :T:T:T

[Deleted User]

qvcaddict_1957 wrote: »

i had a letter from capitol one just after xmas which i filled in and just got a letter back last week saying their refunding me 1700 pounds thing is i have 2 other capitol one cards but havent had any letters to fill in for them,why not?

You don't have to receive a letter/form in order to complain. If you have legitimate reasons for the other cards then fill in the blank Ombudsman's Questionnaire available here:
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance
and send one for each card to Capitol One

tyler1461

hi all
just an update
claiming ppi
lender blackhorse
received a letter today saying they were upholding our claim
they are going to send us a checque for the grand sum of
9575.00 they have already taken the tax off:beer::rotfl:
we are going to accept this offer
as we only thought we would get about 3000 back
delighted
thanks to everyone who has helped us
we are still waiting on ocean finance they seem to be dragging there heels some what

sarahj007

Hi All, used Martins PPI claim form for current loan with Natwest, started claim in February expecting approx £3000, had letter(S) yesterday saying they would uphold the claim and because of rolling loans they have agreed for payment totalling £13.300. Money should be in the bank by middle of May. Thanks Martin. :beer:

dolphingazer

tyler1461 wrote: »

hi all
just an update
claiming ppi
lender blackhorse
received a letter today saying they were upholding our claim
they are going to send us a checque for the grand sum of
9575.00 they have already taken the tax off:beer::rotfl:
we are going to accept this offer
as we only thought we would get about 3000 back
delighted
thanks to everyone who has helped us
we are still waiting on ocean finance they seem to be dragging there heels some what

Hi tyler,

:j:jCongratulations, well done:beer:
What reasons did you use for mis-sell, if you don't mind me asking. I have a complaint with Blackhorse ongoing at the moment.

Jackswan_2

I took out a credit card with Lombard Direct in November 1999 I am self-employed. I wrote to them requesting cancellation of the policy in March 2006. This was for PPI, although I had never received a policy document. As PPI was a hot topic at this time I requested copies of my card statements and in February 2007 I requested repayment of the PPI from 20/12/2000 to 22/03/2006.requesting to be re-imbursed £978.51 plus 8% interest. I received a prompt response within two weeks stating that theur charges were fair and reasonable etc., and declining to repay me. I contested this comment, they wrote again within a week back in March 2007 informing me that they would leave the file open until April 2007, I told them that I wasn't pleased with their reply.I had sent a Complaint to the FOS in April 2007, for whatever reason this was never recorded. I wrote to Lombard in June 2009 asking what was the current position, they replied in July 2009 giving me six months to contact the FOS, I did reply in November 2009 that I would be dealing with the FOS, but giving them a further 14 days to settle. I heard nothing from Lombard (RBS), due to work it went on the back burner. The FOS eventually got back to me in November 2010 acknowledging my replacement complaint form apologising for the delay due to a high caseload. The FOS wrote to me informing me that I had a complaint against RBS and to send a Consumer Questionnaire to their ppi Bristol office, this was December 2010. No reply was ever received, so back to the FOS, the legal challenge took up a few months of 2011, I wrote again to Bristol PPi office in August 2011, still no reply. The FOS had requested information from RBS since August 2011 but even they failed to get the required information. The FOS advised me to deal directly with RBS and if necessary to claim through County Court action, I wrote to Manchester PPI office in February 2012, but, they reckoned I didn't exist as a person in their records !!! I contacted them today as I hadn't heard from them, according to their notes my claim is rejected because it is time barred.

Sorry for this long drawn out message, but, does anyone have an opinion on their decision that my complaint is time barred ?

tucker72

tucker72 wrote: »

hi
HSBC received my complaint on 19th March but having just called them for an update they said it was put on the system on 3rd April so that's when the 8 week time scale starts. Is this right ??

Can anyone help with this ????