PPI Reclaiming successes and failures

dippynina

yv0nnedoc82 wrote: »

I've just received a letter from HFC offering me £2475 as a refund of my ppi. I am just still in shock after getting over 10k back from HSBC. This money will change my life completely. Still waiting to hear back from egg and cahoot so really hoping for more good news. When I started this process I was hoping for about £500....can't believe how much I've had back! :rotfl:

I had a case with HFC at the Financial Ombudsman for 2 years which was passed to the Ombudsman. I FINALLY heard from FOS yesterday to say HFC will be refunding all PPI plus interest. I faxed them the settlement form today. Could I ask if you went to the FOS and if so how long was it before HFC contacted you after settlement form was sent. Kind Regards.
ps Well done you on your refunds!:beer:

foxy2k12

Hi All,


I've just got off the phone to Halifax's PPI claims department.

I believe I was mis-sold ppi when I took out a loan with them in June 2005. The loan was paid off in 2009.

I still have all of the paperwork with the agreement number, policy number etc. However, when I called them to lodge a complaint, they said that none of the details could be found.

After a pretty lengthy conversation, giving them previous addresses, d.o.b, phone numbers etc, they said they still could not find any record of this loan.

I was basically told there was nothing more I could do as they may have deleted the loan details because it was paid off 'so many years ago', as they put it.

I really don't know where to go from here. This is my first and only PPI claim and suddenly it doesn't seem as easy as I was led to believe it would be!

Any advice would be much appreciated!

[Deleted User]

dippynina wrote: »

Could I ask if you went to the FOS and if so how long was it before HFC contacted you after settlement form was sent.

Looking at her posting history, "yv0nnedoc82" posted all her complaints in June direct to the Banks. FOS were not involved.

Northerner

I've had a NO from Halifax....say that we phoned after taking out the loan to take out the ppi none of which I recall. We do have an agreement for the loan that has the ppi box ticked. We were very much pressurised into taking the ppi as it's a secured loan and were terrified we were at risk of losing our home if we missed payments. My argue net is that only the fist named on the loan was covered, which we didn't know until we tried to claim last year on the ppi under my name and claim rejected. Also I was working for nhs and still am so have heard this is another reason not to need ppi.

About to fill in ombudsman complaint but fear we won't win. So cross!

uptomyeyeballs

amersall wrote: »

:j:j Love a win with my fave bank in the whole wide world :D

Brilliant :D:D
Is this loan finished or still running? if it is still running, make sure they take the whole PPI off the balance and reduce the monthly payment by the PPI monthly amount.

No, the loan was settled early (as per my initial intention).

amersall

Northerner wrote: »

I've had a NO from Halifax....say that we phoned after taking out the loan to take out the ppi none of which I recall. We do have an agreement for the loan that has the ppi box ticked. We were very much pressurised into taking the ppi as it's a secured loan and were terrified we were at risk of losing our home if we missed payments. My argue net is that only the fist named on the loan was covered, which we didn't know until we tried to claim last year on the ppi under my name and claim rejected. Also I was working for nhs and still am so have heard this is another reason not to need ppi.

About to fill in ombudsman complaint but fear we won't win. So cross!

If you paid this PPI in one payment each month with the loan payment, this is Single Premium PPI and this (plus the other reasons you stated in your post) are what you use for the mis sell, this was in fact loan on the loan to term end with interest, the full cost and unfair rebates of this PPI would not have been explained fully at the point of sale, ask for the recording of your acceptance of this PPI as had you known the ful terms of this PPI you would not have taken it, contact the bank again and see what happens, tell them you disagree with their reasons for not upholding and ask for a copy of the recording.
If they won't help you then take this to FOS.

amersall

foxy2k12 wrote: »

Hi All,


I've just got off the phone to Halifax's PPI claims department.

I believe I was mis-sold ppi when I took out a loan with them in June 2005. The loan was paid off in 2009.

I still have all of the paperwork with the agreement number, policy number etc. However, when I called them to lodge a complaint, they said that none of the details could be found.

After a pretty lengthy conversation, giving them previous addresses, d.o.b, phone numbers etc, they said they still could not find any record of this loan.

I was basically told there was nothing more I could do as they may have deleted the loan details because it was paid off 'so many years ago', as they put it.

I really don't know where to go from here. This is my first and only PPI claim and suddenly it doesn't seem as easy as I was led to believe it would be!

Any advice would be much appreciated!

Can you pop into a local branch? they may find you, take the info you have.

foxy2k12

amersall wrote: »

Can you pop into a local branch? they may find you, take the info you have.

I'll give it a shot when I get the chance!

yv0nnedoc82

Moneyineptitude wrote: »

Looking at her posting history, "yv0nnedoc82" posted all her complaints in June direct to the Banks. FOS were not involved.

Money was correct, I just sent a letter off to each of my creditors. I didn't fill out one of the forms as such but went through it to make sure that my letter answered every question. It was June that I sent my Hsbc complaint off but didn't actually get round to sending the others until August I don't think. HFC responded quickly confirming they had received my complaint and then within 6 weeks to say it had been upheld. I am still waiting on the cash but hopefully not for much longer. It states on the letter that they will 'try' to refund within 28 days....HSBC put the money into my account 5 days after receiving my acceptance form so fingers crossed HFC will be a similar timescale.

JLL81

Hi help and advise very much appreciated please.

I have recently sent the ombudsmen form of to claim mortgage PPI from HSBC, can you claim even if I claimed on the PPI back in 2007?