PPI Reclaiming successes and failures

bevnich82

Hi everyone,
Sent a SAR to Santander 2 weeks ago as we did not have the credit agreement or any other info relating to an Alliance & Leicester loan which was closed in 2005.
I gave them the account number and start/end date however they have today returned the £10 cheque and state as per their retention procedures they have no info on the account.
Has anyone ever had info sent to them from Santander following a SAR request on a loan which ended more than 6 years ago??? Is this the end of the road? (Probably a stupid question)
Thanks Everyone

amersall

littlepip wrote: »

Thanks Amersall.

Got a letter today from the bank today which just said sorry you have had to contact us about the sale of your PPI..Etc etc etc

We will reply to your complaint no later than the end of July etc etc

The thing is I haven't sent or been asked to send in a claim form.
I only thing I did, (as my previous post), questioned them via a telephone conversation if I had had Single premium insurance on the loan which they confirmed I had. does it look as thou they have enough info to go on to process my claim? last but not least in your opinion does it look favorable given they haven't bothered to ask me to fill in any claim form?
Many thanks
L.P

Was this the FP one? if it was they do not ask you to fill the questionnaire in. wait and see what the next one says, they have the Single Premium reason and they will deal with this, fingers crossed x.

amersall

24710274 wrote: »

Thanks Amersall as soon as i get my statements and i know what i paid i will work out an average and see what they say , i can only ask although clydesdale bank have nt been helpful in any way its taken 18 months to get to this point so i m happy to wait as long as i get the right result.
Its all down to the fantastic advise from you guys
Thanks Dave

Fingers crossed.

amersall

bevnich82 wrote: »

Hi everyone,
Sent a SAR to Santander 2 weeks ago as we did not have the credit agreement or any other info relating to an Alliance & Leicester loan which was closed in 2005.
I gave them the account number and start/end date however they have today returned the £10 cheque and state as per their retention procedures they have no info on the account.
Has anyone ever had info sent to them from Santander following a SAR request on a loan which ended more than 6 years ago??? Is this the end of the road? (Probably a stupid question)
Thanks Everyone

They only have to keep data for 6 years, some banks keep some longer though, give them a ring and see if they can find you, let them know this was Abbey Loan.

bramble1979

Hi All, Want to pass on our success story.

My wife and I took out Mortgage PPI in 2007 when we got our first mortgage with Alliance and Leicester.

We both work for the NHS, A&L were aware of this and that we both had sickness and redundancy cover at work if we needed it. We were advised to take out PPI.

We cancelled the cover in 2009 as it increased massively in price.

After looking at MSE a few weeks ago I thought I might have a claim.

I telephoned Santander (who took over A&L) and gave a few basic details over the phone regarding why I think I was mis-sold PPI. They requested no letter or further information. And said I would here from them in 8 weeks.

I have received letter today after 3 weeks. Admitting full liability and offering full refund with interest and compensation.

Just over has been £2400 refunded to our bank account.

I can't believe how easy it was to do, without any letters, questionnaires, or having to refer to the financial ombudsmen.

And I'm soooo pleased I didn't go with a claims firm that would take 30%.

Give it a go guys. Hope your as lucky as we have been.


A big thanks to Martin and the team at MSE, without it I don't think we would have even thought we were able to claim. Keep up the great work. :T

janetnbecks

OH has just received a letter upholding a reclaim of PPI from Egg Loans - £3300!
Cheque within 15 days apparently - anyone have any experiences with Egg and do they pay within their promised timescales?

di3004

Well done and Congratulations to all winners!:beer::beer:

keyetty

Thanks - 14,000 received by RBS. Paid direct to account. Very quick turn around - payment made within 14 days of receiving acceptance letter. Thanks for everything!

beverley551

ALgirl wrote: »

Hi

I have been reading this site with great interest for the past few months & have finally been inspired to do something about FP PPI.

I took a loan out with them in Sep 2002 for £51,000 with PPI of £10,164. I cslled their PPI helpline & was told that I had settled the loan in Jan 2004 but the settelment figure was £63,327.46. The guy I spoke to told me that because I had steeled early I had paid off all of the PPI, he mentioned nothing about a rebate & the settlement figure was very high given that I had paid about £400 a month 16 months & only borrowed £51,000 .

I then said that I'd like to raise a complaint as I was told that i couldn't get the loan without the PPI & that I had a very genourous sickness package, I tried to give the guy a lot of detail however he wasn't interested in the detail & said that not wanting or needing the PPI was reason enough! I completed the complaint over the phone but also sent the PPI questionairre in which I gave full details of complaint. The guy said that they were clearing complaints quite quickly & I would get a reply in about 4 weeks. I asked if I had gone via a broker & her said yes, it was Smart quotes ltd (he couldn'y tell me if the company still existed?). I asked how this woulkd effect my complaint & he said the acknowledegement letter would detail that. This morning I received the acknowledgement letter but it mentioned nothing of broker, is this a good sign?

Also, if the complaint were upheld would someone give me a ball park figure of what I'm likely to receive.

Many thanks in advance

Hi

I put in a complaint by letter to FP about ppi , rec standard letter acknowledging my complaint and sorry to hear I felt I neeeded to complain etc. " weeks later rec offer letter , spoke to someone that day at FP to clarify a few things, sent acceptance form back same day , 5 days letter cq arrived all in all it took FP 4 weeks and 3days and thats from the day I sent in my complaint - Good Luck

beverley551

Morning Everyone

hope your having a good bank holiday weekend:p

anyway quick update on halifax claim rec letter from halifax offerring settlement on cc ppi and recieved cq within 2 days have to say Im pretty impressed

enjoy your weekend everyone :rotfl: