PPI Reclaiming successes and failures

dickydrake

Hi,

2 claims sent off in early march,

just under £400 back from Northern Rock and £1178 from HSBC.

Very happy and very quick.

Sezyb123

amersall wrote: »

As it was a condition of the Mortgage then I would think not, post the question here

http://forums.moneysavingexpert.com/forumdisplay.php?f=187
They can help you more.

Do you think that it wasn't mis-sold then as it was a condition of getting the mortgage, cause the reason they said it wasn't mis-sold was that it was optional (that's what it said on the new paperwork,when I added to my mortgage). Thanks for your help.

amersall

Benji_58 wrote: »

can I just pick you brain again!:o
You will see i have posted 2 santander store cards - burtons and D Perkins, both letters don't say final response - Does this mean I can't send to FOS? Both letters say I am not getting a refund so is this ok to forward to FOS?

Write back to Santander/Dorothy Perkins ask for the recording of the conversation, if you get no joy then send to FOS, the Santander/Burtons I would write back and say you reject the reasons for them not upholding, put that it is only due to recent media coverage that you knew you had been mis sold this PPI, had you known this when you took the card in store you most certainly would not have taken it, if you get no joy then send this to FOS.

incesticde

What were you reclaiming: PPI on a loan
Who was the provider: Co-operative Bank
How much did you get back: £6200 +
Did you get it back after a letter or did you go to the Financial Ombudsman: One letter downloaded from this website

Claim Sent : 14 Feb
Claim Received/Signed For : 16th Feb
Acknowledgement letter : 24th Feb 2012 (letter date : 21st Feb)
23 March : Goodwill payment offer of over £6000 arrives : )
27 April : Chase payment and get payment in my account six hours later :j

Thanks to everyone on this great little forum for their help (Amersall, Dilus et al)

Buying a house soon so it's a great time to get an extra 5K in your bank!!!

notamoneygrabber

Sezyb123 wrote: »

Do you think that it wasn't mis-sold then as it was a condition of getting the mortgage, cause the reason they said it wasn't mis-sold cause it was optional (that's what it said on the new paperwork when I added to my mortgage. Thanks for your help.

u go for it i got it and no questions asked

Sezyb123

notamoneygrabber wrote: »

u go for it i got it and no questions asked

What bank? Was it Lloyds? Thanks.

notamoneygrabber

Sezyb123 wrote: »

What bank? Was it Lloyds? Thanks.

yes lloydstsb

Sezyb123

notamoneygrabber wrote: »

yes lloydstsb

Hope You don't mind me asking...... What reasons did you give for being mis-sold mortgage ppi?

beverley551

Natestar79 wrote: »

Hi Guys

I am thinking about weather to use a PPI Claims company.

Can anyone who has used them before tell me when/if I win, where the claimed back money goes. Is it to the Claims company minus their % fee or does it come directly to me, leaving me to send them there fee ?

Thanks

Hi

my sister had terrible trouble with a company , they charged her £180 up front and she cannot contact them now so has complained to FOS , then my neice was contacted by another firm/solicitor and was told forms would be sent to her ..... 13 weeks later after that call the forms have arrived for her to complete and send back :-( (which she isnt doing now )

I decided to go it alone and use the forms off here and seek the advice from everyone on here. Complaint sent recorded delivery 16th march cheques recieved 18th april from first plus so for a an hours work seeking and reading the advice on here and £1.52 Im now £9847 better off and have cleared debts off

Its really easy to do and the money will be all yours :rotfl::rotfl:

daisychain9

daisychain9 wrote: »

OMG just received a letter from RBS saying they are upholding my credit card PPI complaint and are paying me £4323.95, i'm gobsmacked at the amount. It was from period of 2000 - 2007. I had pretty much convinced myself that they wouldn't uphold it but they did and 8 weeks exactly to the date of my complaint I got my letter, very happy bunny

HUGE thanks to everyone on here, especially the regulars who have given such amazing help and advice and of course to MSE, you are all :A

Quick question though, they sent me a letter at the same time about my other credit card I had put a complaint in about which was the one before the 2000 card. They said they were unable to progress the matter further as they can't locate the card number on their records but if I can give them any further details they will be happy to reopen. Is it worth pursuing this one? The card was closed end of 1999 so i'm guessing they don't have any information anymore on it. I gave them the card number when I put in my complaint. I'm currently waiting on my SAR request coming from them for all my info.

Thanks again :beer:

Quick question about the breakdown of my upheld complaint below

Refund of premiums paid between Jan 2000 and June 2007 £1,856.68

Compound interest on premiums based upon interest rate charged on credit card £1,223.23
Total Refund Due £3,079.91

Gross Interest at FOS rate has £1,555.05
Less tax at 20% - £ 311.01

Net interest £1,244.04

Total Offer £4,323.95

Does the less tax at 20% mean that RBS are paying HMRC and I don't have to contact them myself? I just worry about these things and want to make sure I don't end up owing the tax man further down the line.

Thanks