PPI Reclaiming successes and failures

blueswampdonkey

RECLAIMING LOAN
HSBC
£1,111.64:j
:money:
FILLED OUT THE CONSUMER QUESTIONNAIRE AND INCLUDED AS MUCH INFORMATION AS I COULD.
SENT OFF. I DID SENT OFF A TEMPLATE LETTER BUT DID NOT GET ANY JOY, THE QUESTIONNAIRE WAS THE WAY TO GO. JUST WAITING FOR THE MONEY TO HIT MY BANK ACCOUNT, WHICH I WAS TOLD WOULD TAKE UP TO 4 WEEKS.:rotfl::money:CHEERS MARTIN XX

picnic

evertrue wrote: »

Can I ask which address you sent it too, as my mum has had no reply to her letter - she had no account number either.

Thank you

Regulated Sales Complaints, Redcliff quay, 120 Redcliff Street, Bristol, BS1 6HU
as we banked with them all I added was our bank account number..
hope this helps and good luck to your mum

Longy123

amersall wrote: »

David is the managing director of Barclaycard, keep sending emails to Diamond, someone will get p***ed off eventually :rotfl:

Hi amersall

Didn't get a reply to my e-mail but got a final response letter today complaint not up held, as it was an internet application they state the egg on line application process

" did not require you to take ppi as a condition of obtaining the credit card"
" did not provide an advisory service"
" required you to positively confirm you wished to purchase this policy during the on line application"
" provided full terms and conditions of the policy during the on line application"
" provided full terms and conditions of the policy and requested you to read them before submitting"

With your extensive knowledge on this subject would you think this is worth pursuing through the FOS based on the following

I had 6 month full and 6 month half pay along with a pension, life insurance and death benefits through my employment which would have made the payments and render any claim I had invalid should I have made one, but was not aware of this until recently

And the FOS guidline

“So whilst it is important that the customer has access to the full policy documentation, it is not enough for the firm to say it met its obligations simply by sending the customer the policy document and highlighting the customer’s right to cancel the policy”.

Do the rules vary for on-line applications or does this cover it

I have no recollection of asking for the PPI and i do not remember anything on the internet asking for employment details and the ability to cover payments.
Any thoughts would be greatly appreciated

clairecon141

Hi

I would like to add my success and of course my thanks to all those who helped.
I received an offer of £1700 for a loan £6000 that I paid back early in 2002.

Thank you all

phattonii

After my post earlier today my husband recieved a letter from BOS today saying they have had our form and will get back to us within 8 weeks - has anyone had good results with them?

We are still waiting on another 6 to reply - ;0)

janetnbecks

tamsterhamster wrote: »

Hi everyone,
This is not about PPI but I just thought I'd share my news as it may help someone else if they find themselves in a similar situation.

I had a Barclaycard that I owed £5050. I found myself in a postition to settle the account. I rang BC and asked them for a settlement figure. The man said £2001.89. I asked him to confirm this a number of times which he did. I agreed sharply however when I began the process of making a payment he said there had been an error and it was £3850. I stuck to my guns and after various phone calls they agreed the amount of £2001.89. I saved a staggering £3048.11 which I think is approx 39% of the original debt.

One very Happy Tamsterhamster:money:

Sorry.....please can you clarify? They let you settle on LESS THAN HALF the debt? Were you in arrears/had a voluntary arrangement in place? Would that show up on your credit history or anything?
This could be very useful...!!! Sorry for all the questions!:A

[Deleted User]

dolphingazer wrote: »

I think you are fab:D:D:D:cool:

I think you are fab too. I hope you'll stay around on the Forum now!:)

dolphingazer

gramochroi wrote: »

Many congratulations, hope it's a big win! You've been a big help to me and to many other people, good to see your personal success!!!!

Hi gramochroi,

Thankyou for your kind words. I will post up as soon as I have figures:D
It's just nice to know we have something going right for us at long last;)

dolphingazer

Moneyineptitude wrote: »

I think you are fab too. I hope you'll stay around on the Forum now!:)

Ah money you are making me blush:o

Of course I will stay on the forum... :D

swimmer66

dolphingazer wrote: »

Ah money you are making me blush:o

Of course I will stay on the forum... :D

Nice one dolphingazer had some good news as well today and thanks to all for the kind help from everyone .

Two more to go now