PPI Reclaiming successes and failures

amersall

exileintigercountry wrote: »

Hi all im new to the forum and just wanted to tell you all about my claim for misold ppi from MBNA.I printed off some of Martins template letters filled one in not having much hope of anything back had the usual reply that they were looking into it and two weeks later got another letter saying that my complaint was being upheld and the day after I recieved a cheque for just shy of 1600 was happy as larry.My major problem is with a debenhams card taken out in 1996 i was sold ppi by one of the assistants and today i recieved a letter from santander sayin they are rejecting my claim because i should have read the booklet they provided and also why hadnt i made a claim sooner?Apolgies for such a long post but any help would be greatly appreciated,think some of the advice you share with each other is brilliant keep up the good work.

Write back to Santander and tell them that
" you should have read the booklet" is not a reason according to FOS for rejecting a complaint, also if you had other means to repay this card should the worst happen then tell them, prove you had no need of this PPI.
If you had sick benefits from work, life insurance, or any other means that meant you could pay this card, then use them.

Well done on your other win :j:j

Brummie70

Sezyb123 wrote: »

That's great, well done!!!! Go and treat yourself

That's fantastic!...just shows there's hope for us all...continue to the good fight against the banks:j

amersall

Hi Kuffs, cannot believe you are still on with this !! have FOS not sorted this mis sell PPI out yet?, this will reduce the balance when they do.

Brummie70

amersall wrote: »

Write back to Santander and tell them that
" you should have read the booklet" is not a reason according to FOS for rejecting a complaint, also if you had other means to repay this card should the worst happen then tell them, prove you had no need of this PPI.
If you had sick benefits from work, life insurance, or any other means that meant you could pay this card, then use them.

Well done on your other win :j:j

Re. the advice for Santander...I'm reading about lots of other people in the same boat:mad:..myself included...brilliant advice...I'll be using that approach in my complaint to the FLA...thx & lets beat the Santander cover up:D

Brummie70

Nemz wrote: »

Tesco success

Thanks to the advice on this site. I have successfully claim on a loan which I had taken out over ten years ago.I use the guidelines (templates) on this site and today Tesco have decided to offer me £3700 (including interest).

I would urge anyone with a valid claim to PPI to follow the guidelines on this site and don't be put off by anyone. Good luck!!

Thanks Nemz,:o I've got a Tesco credit card and on hearing your sucess, will definitely pursue a claim...only problem is I can't remember how the insurance was originally sold to me
?:( any advice before I complete the template letters?

amersall

will PPI be included in this final debt amount which will reduce the total figure, and having my complaint upheld means the PPI should be removed,

The whole PPI amount and interest should be removed from this loan balance, if your balance now is £4,452 this will reduce by £2,281, this is the original PPI and interest, leaving a balance of £2,171, the redress is £3,832 including the 8% this leaves a surplus amount of £1,661 to come to you and the loan is repaid.
Make sure that the balance you have is without the redress taken off, if it is then you get the £1,661 back to you, they cannot do this any other way.

You do not ask them to do this, this is how redress should be done, if it is not, then complain to FOS.

I also have another 2 Citifinancial loan complaints in the system. I have not yet recieved the letter, is it best to wait, then take it to the FOS.

Give them chance to do these.

amersall

Brummie70 wrote: »

Re. the advice for Santander...I'm reading about lots of other people in the same boat:mad:..myself included...brilliant advice...I'll be using that approach in my complaint to the FLA...thx & lets beat the Santander cover up:D

Good luck

amersall

pug407 wrote: »

Hi I am like many others trying to claim back any PPI that's owed to me.
I joined Credit Experian to help but unfortunately they only go back 6 years.
I want to know if there is a way of going back 10 years as I had a mortgage at a previous address that I paid off in full but was paying PPI on it. Now I dont have any records of account/ reference numbers nor can I remember the name of the mortgage provider. This one I would really like to find so if there is anyone who can help I would be grateful.

Thanks

10 years is a long time, if you don't know who the lender was then you cannot contact them to find out if they still have details on this loan, I would think that after 10 years this data will have been destroyed.

hollypolly678

is this refund right and is it for both loans?
Hi can anyone help please?

made a complaint to halifax re ppi 6 weeks ago and a 2nd complaint for another loan with halifax the week later, 2 complaint refs

the 1st loan was £3k loan in year 2000 with £599 charge for ppi + £180 (estimated based on other one) charge for credit for ppi,

in 2002 i got another loan from them which paid off that one for £5000 with £999 ppi and £300 charge for ppi credit

later in 2006 I got a 3rd loan which paid off the 2nd but with no ppi (never asked for or wanted or even knew I had ppi till phonecall 6 weeks ago!)

Been waiting very impatiently for post for what seems like forever for news of my claim, anyway got a letter today saying, "further to our recent letter confirming the amount of compensation etc etc",,, which I have never received but there was 3 cheques included

£660.24 quoting 1st complain ref and 1st loan ref

£2115.75 quoting 1st complaint ref and 2nd loan ref

£89.39 quoting 1st complaint ref and 3rd loan ref (the 1 with no ppi)

On a simple calculation adding 8% to £780 for 1st loan from 2000 and 8% on £1300 for second loan from 2002 I calculate for both I should have at least £3900 that isnt taking into consideration interest paid or rolled over in 2nd or 3rd loan or compensation for loss etc (if any of these even applies??)

so my questions are
firstly why do I have 3 cheques?

secondly is this for both loan ppi complaints as only the 1st complaint ref is quoted?

and finally do halifax take tax off or will I still need to do that?

Many thanks

ps obviously I am over the moon to have received anything for a 5 minute phonecall on the off chance I had been charged PPI

hollypolly678

just to add, I have never been in arrears with any of these loans and only just 6 weeks ago discovered I had paid ppi so never cancelled anything ........... if this is of any relevance at all??