PPI Reclaiming successes and failures

TakingControl

white_rosette wrote: »

I took a loan out in Feb 2002, to buy a car. To make a long story short it was to buy a car for my ex to use. He was a very clever (and it turned out abusive man) and when i left i was left with lots of debts. I have managed to pay off most of them was just left with the car loan which i took out through Northern Rock.

I was on a debt management plan and it was only when they brought it to may attention i became aware that i had PPI on this loan. I looked at this website, got the forms to complain and sent them off.

I got a string of "thanks for your complaint letters" and thought this is going nowhere. Then this morning I got a letter from Northern Rock.

They are removing the PPI part of the loan which reduces the loan from £5,825.57 to £2,096.03. They are refunding the PPI i have paid, which is £2325.09. They are also refunding the interest at £1,496.80. This means that there is enough refund to completely clear the debt and there is £1700 to be refunded to me.

On top of all that this means that i am now completelt debt free.:T

That's fantastic news for you :T:T:T

dolphingazer

Flamenco wrote: »

What else can I say, other than a massive thank you to MSE! Friends directed me to the website and from reading all about PPI, I followed the advice and sent off the relevant form:

For the cost of 4 first class stamps.......
Lloyds TSB are due to send me a cheque for a staggering £17,200! I still can't believe how much I (stupidly) paid in PPI payments over the years for the loans that I had with them.
Egg - £7,280 (loans)
Halifax - £240 (credit card)
RBS - £1,980 (credit card)

Settlements were either received or promised within 8 weeks of my initial complaint.

I'm still in shock! If you've not already done so, follow the advice and send off your claim if you think you've been mis-sold PPI.

:j:jWow, wow, wow. Well done Flamenco:beer:
This is fantastic, enjoy your money:D

dolphingazer

[QUOTE=white_rosette;53136775

On top of all that this means that i am now completelt debt free.:T[/QUOTE]

:j:jCongratulations white_rosette:beer:

It must be a wonderful feeling being debt free. I'm so pleased for you:D:D

amersall

white_rosette wrote: »

I took a loan out in Feb 2002, to buy a car. To make a long story short it was to buy a car for my ex to use. He was a very clever (and it turned out abusive man) and when i left i was left with lots of debts. I have managed to pay off most of them was just left with the car loan which i took out through Northern Rock.

I was on a debt management plan and it was only when they brought it to may attention i became aware that i had PPI on this loan. I looked at this website, got the forms to complain and sent them off.

I got a string of "thanks for your complaint letters" and thought this is going nowhere. Then this morning I got a letter from Northern Rock.

They are removing the PPI part of the loan which reduces the loan from £5,825.57 to £2,096.03. They are refunding the PPI i have paid, which is £2325.09. They are also refunding the interest at £1,496.80. This means that there is enough refund to completely clear the debt and there is £1700 to be refunded to me.

On top of all that this means that i am now completelt debt free.:T

:j:j that is brill :beer::beer:

harry060906

Hi there,

I have been reading at length about PPI. I have no documentation about my loans or agreements but i hvae had quote a few of them.

I started by looking at the tips and steps and have come across my first stumbling block.

I logged on for my £2 credit report to obtain details of my loans and the corresponding account numbers; however it does not show the full account agreement only the last 4 digits, how can i proceed witht he letters without the full string?

Thanks

Benji_58

What a wonderful day all the lovely wins being posted

Well Done to you all :j :beer: :j

Benji_58

amersall wrote: »

I would, give them chance to look at this again, you never know
Keep a copy of the letter so you can send this to FOS if you need to.

Thanks again. I have done a draft letter its strong but to the point.
Busy night tonight so will check it later and post tomorrow

philb1133

Hi after not bothering for years i downloaded the form from here sent it off to Lloyds TSB with not a lot of detail on, 2 calls from them then a letter within 8 weeks telling me they were refunding FIVE Grand everyone needs to give it ago . Cheers Phil

EllasPa

EllasPa wrote: »

Has anyone had success claiming against Santander for DFS sofas? It's only a small amount, approx £200 but would still be most welcome. I have lodged the complaint on their website, so I'll let you know how I get on.

Just a quick update to say I'm not doing too well with my PPI claim with DFS. After several phonecalls, passed around the houses, I sent in claims to DFS and Santander. Santander have passed the buck to DFS. DFS have replied to say they don't think there is a case as I signed to say that I wanted PPI, even though I also ticked the boxes to say that I didn't NEED it e.g. I had savings/sick pay from work etc.
They have asked for copy invoices etc (bit strange as surely they would have copies on file), which I have submitted a few weeks ago. Let's see what happens, but I'm not hopeful

di3004

EllasPa wrote: »

Just a quick update to say I'm not doing too well with my PPI claim with DFS. After several phonecalls, passed around the houses, I sent in claims to DFS and Santander. Santander have passed the buck to DFS. DFS have replied to say they don't think there is a case as I signed to say that I wanted PPI, even though I also ticked the boxes to say that I didn't NEED it e.g. I had savings/sick pay from work etc.
They have asked for copy invoices etc (bit strange as surely they would have copies on file), which I have submitted a few weeks ago. Let's see what happens, but I'm not hopeful

Hi there
Sorry to hear about this, but how long ago was it you taken this out (year)?
Not that makes any difference as such really, but have you tried requesting for the data on this account by forms of a Subject Access request (SAR)?
Even though DFS were the ones who sold it to you, they would have passed the main of the details on to Santander (if these were the ones you were paying the monthly repayments back to) as a lender.
If you've not requested for any data on this account, maybe a SAR will help, where they should hold the details of the account over the last 6 years.
Information you require maybe amongst the data dept, where the complaints section may not have bothered checking with.

There is a SAR letter template below if you want to do this, they have up to 40 calendar days to comply and you enclose the one off payment of £10 cheque or postal order.
Hope this info helps, good luck.

https://forums.moneysavingexpert.com/discussion/1475553