PPI Reclaiming successes and failures

k_moor25

If claims are rejected by ya bank what do the Finacial Ombudsdum do? do they get you your money?

bernstein

ongoing...
A PPI claim against Capital One has been defended on the basis that I ticked the PPI box on the application form. Does the fact that I was not made aware that other insurance providers were available enable me to go to FOS?

elaine1960

Here goes I hae been watching this site for some time and looking at all the success stories is great, so I decieded to look at my own past and present loans/credit cards to see if I had PPI on any of them.
Took out a loan with GE money (can't remember exact date as I did not have paper work) I found a letter for an early settlement which was dated 16/06/2006 for £11,013.08 which we paid off in full, so I contacted GE money to see if PPI was added, they confirmed that it was I asked them to start process for refund as I did not ask for PPI as I knew it would not cover me as I have several illnesses which PPI does not cover.
Got a letter today rejecting my claim stating " Based on information you have provided any complaint you may have concerning sale of PPI policy is time barred under the limitation Act 1980, and this was their final response to this matter".:(

Can any one advise if it is worth while pursuing this.

Any advice is appreciated.

LadyRose_2

i_am_a_stupid_bloody_moo wrote: »

Everyone I would just like to say a big thank you to this website for giving me the gumption to go it alone for reclaiming PPI. To date the total amount sucessfully reclaimed is £14,428.11

This is the breakdown so far:

MBNA - ( A/L credit card finished in 2003) - £4014.91 goodwill payout no quibbles claim also passed on to Santander for their proportion TBC no response as yet!
Halifax -(mortgage taken out in 1994!!) - £5153.12 again no quibbles
Halifax -(credit card from 1994!) - £1130.02 goodwill payment
Egg Loan - (taken out 2003) - claim upheld no quibbles £4130.06

Egg credit card cant find account number and think Barclay card are now responsible so will need to try and track down the info. So pleased I did it myself have paid off some of my debts..Yay!!
:beer:

Well done that is excellent news. How did you go about getting your Halifax account numbers for the credit card? I took out some loans and credit cards with Halifax back in the 90s and early 2002 but do not have the paperwork.
Many thanks in advance

Rooney_10_2

Has anyone had any Lloyds claims on loans upheld lately :question:

As mentioned above, it seems that they are all being rejected (even if front loaded) and a long time since someone told us of a lloyds success !! :think:

happyjim

Wahheeeyyy

Just thought I would post to say thanks for your help.
I was inspired to act following reading your posts guys.
Though I may have been missold as I received full company sick pay, and like many people thought if I refused the PPi I would not be successfull in my application.
One simple phone call to santander about a £5000 loan I took out in 2003 and paid off in 2006 was made on the 4th June 2012, quickly received the standard eight week letter, followed by one at four weeks, eight weeks was up on Monday so I called and was told they were accessing records and should know within two weeks, but received a call yesterday confirming a payout off £1014.25p.

Expect a call Barclaycard and Egg your next.

To all people think about it.. wondering about it.. or knowing about it .. just do it.

Thanks again for all the inspiration

Jim

skintmummy01

:jJust want to say thanks to all the Money Saving Experts for the advice in re-claiming PPI. Letter rec'd today from Santander offering over £3000 for 1 claim!!!! Claimed in June 2012, 1 phone call and 1 letter was all it took. Did consider the claims company route before reading the advice on this site and chanced going it alone. My advice to everyone is DIY!!!! Still waiting on Halifax responding again after an initial refusal......

notamoneygrabber

Jane_twohig wrote: »

Lloyds Tsb are being a pain for many people. I'm still waiting for my answer of yes or no. Not looking forward to the letter as not seen a happy ending from a lloyds tsb complaint for a long time on here

hi jane
how long to go?

notamoneygrabber

Rooney_10 wrote: »

Has anyone had any Lloyds claims on loans upheld lately :question:

As mentioned above, it seems that they are all being rejected (even if front loaded) and a long time since someone told us of a lloyds success !! :think:

hi
are u waiting/how long to go?

ladyasmo

Just to thank everyone who helped! I sent a SAR letter to Egg last week along with a letter saying i believe i paid PPI and i wanted to claim it back. Posted it on the 28th July, today got a letter offering £687! The loan was only for £1000! Fab news! Now i just have to keep tackling welcome and try to get them to pay up as thats around £2k!