PPI Reclaiming successes and failures

[Deleted User]

pbsmiles wrote: »

Anyhow in January 2009 I went into a DMP and have been paying a lower amount ever since.

If you are still in a DMP the Bank can use any redress awarded towards your outstanding debt, so don't count on receiving anything just yet.

Liamly

Hi all,
Had a response from LLoyds TSB about my credit card PPI claim....They have rejected it.

My original complaint was i was unaware i had it and i only become aware when i received an annual review of PPI which i got after amking a complaint about a loan i had with them which i thought to be coincidental. I am going to request credit agreement and see what it says.

Have people had similar outcomes and how have they responded? Any additional reasons etc or go straight to the FOS?

Any help you guys can provide is much appreciated.

Success so far - LLoyds loan - £6100!!

[Deleted User]

Liamly wrote: »

I am going to request credit agreement and see what it says.

To what purpose are you going to do this?
You have made a complaint based on not knowing you had PPI, but it will have appeared on EVERY credit card statement.
Remember, you can't complain about simply having PPI; it must have been mis-sold to you.
Go here:
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance

Liamly

I'm going to phone up and ask for it. Might help, you never know.

[Deleted User]

Liamly wrote: »

I'm going to phone up and ask for it. Might help, you never know.

It won't help you at all.
You also can't "ring up and ask for it"; a copy has to be purchased from them for £1 and it won't be available at all if the account is closed.
You seem to be attempting to "close the door after the horse has bolted". Any research needed to be done BEFORE you complained, not after you have been rejected.

Jaxholdham

Just thought I would share my 2nd success, I received a letter on Saturday from Tesco's Bank re credit card ppi. They have offered me an amount - yippee!! I have sent it back today so now just have to wait for the cheque. Thanks to everyone on here, and keep going - goodluck!!


1st success Halifax CC
2nd Success Tesco CC

pbsmiles

Moneyineptitude wrote: »

If you are still in a DMP the Bank can use any redress awarded towards your outstanding debt, so don't count on receiving anything just yet.

Oh I know that and am more than happy for it to go towards my debt believe me..... thats the plain

njveness

Hello all,

I've received a successful reclaim letter from HSBC for the following:

What was being reclaimed: Loan PPI
Who was the provider: HSBC
How much did you get back: £1,901.48
How did you get it back: Letter to HSBC using templates from MSE

Personal loan that I was advised at the time I needed to have PPI in order to get the loan - therefore I took out the policy. Form that was signed by me had been pre-ticked by the bank branch.

What was being reclaimed: Credit Card PPI
Who was the provider: HSBC
How much did you get back: £1,842.50
How did you get it back: Letter to HSBC using templates from MSE

Credit Card that was offered out of the blue by the bank - then contacted by them to follow up - decided to take the card and was advised that I had to take out the 'optional' PPI if I definitely wanted to be accepted.

Very happy with the result and wishing I had claimed earlier - thanks to the help here on Money Saving Expert in guiding me through the process!

Whackadoodle

Hi everyone!

Thanks to being pointed in the right direction by the helpful peeps round here I've just heard back today about my PPi claim for a Style Store Card.

I believed I had been missold, however as it turned out that I cleared and closed the account some years aga (2004 it turns out!!) I wasn't really expecting anything.

Now I have £205 winging its way to me!

Very happy.

evertrue

Does anyone have the email addresss for halifax please. My eight weeks is up and I wanted to start emailing the ceo.

Thank you