PPI Reclaiming successes and failures

Longy123

Oliver40 wrote: »

Hi I have been turned down by MBNA too because they said I ticked the box but you could see the box was automatically ticked on the application form, but off to the ombudsman with them, I will win in the end.:D

Stick with this i took MBNA to the Ombudsman in February, they upheld and the cheque was in the bank early August, the Ombudsman give average timescales but it doesn't mean it will take that long.

Sent another over Barclays in May, this has also been upheld just waiting for figures, only one left now this has been with the Ombudsman since June so my journey is nearly at an end once a decision has been made. Journey started 12 December last year 6 Claims 3 paid by the relevant companies, 3 with the Ombudsman 2 already upheld, one to be decided, and still all in less than 12 months.

Patience is a virtue i have little of, but, have used in these cases and it has paid dividends . . . . don't give up

:beer::T:beer:

40somethingmum72

I completed the official fsa ppi document and sent off to natwest on behalf of hubby, he wasn't aware he'd ever had ppi but he's not up to speed on that kind of thing. didn't even have account details but knew he'd had a mortgage loan and credit card with them. natwest did request £10 cheque for data release but we paid up. got a reply in today's post to say they're offering £3,250 which covered ppi he'd had over four loans. he'd not even realised he had it!

if in doubt, still apply. I am awaiting a reply from first direct, I was convinced I'd never had ppi but after enquiring it turns out I had it on three loans.....will let you know how I get on....

:beer:

Aceflyer7

I sent off a copy of a loan agreement i had with Black Horse which was cleared in 2004 - it had ppi, which i was told i needed to take, hence my claim. They replied within the week to say they can' t find my details. I have no other documents relating to this and have moved bank.

I thought a copy of the original loan would be sufficient.

Any ideas?

40somethingmum72

did you also complete the fsa form, if not I'd complete that then send off with another copy of your loan agreement.

dunstonh

Aceflyer7 wrote: »

I sent off a copy of a loan agreement i had with Black Horse which was cleared in 2004 - it had ppi, which i was told i needed to take, hence my claim. They replied within the week to say they can' t find my details. I have no other documents relating to this and have moved bank.

I thought a copy of the original loan would be sufficient.

Any ideas?

it depends on whether the agreement had enough details to identify your account details. Not all have account numbers. The other issue could be that they have destroyed their records as it was 8 years ago.

Do you have anything stronger as a complaint reason as it is just hearsay. Without documentation supporting your allegation and no other failing, you would not expect that complaint to succeed anyway.

car69244

car69244 wrote: »

What were you reclaiming: Personal Loan PPI
Who was the provider: Natwest
How much did you get back: £15,871.82

One letter to Natwest to find out if I had PPI on my loans, then one phone call to lodge the complaint. 6 weeks later the letter arrives offering £15,871.82.

I am absolutely over the moon & can not stop smiling!!

I encourage everyone to start the ball rolling with this, if it wasn't for MSE I would never have done it.

Thank you so much!! :j:j:j:j:j

Further to the above 1 week later and the money is in my bank account!!! :j with additional interest - Grand Total of £15,944.91 - A lovely deposit on a house for this First Time Buyer!!!

Also, since the above result I also complained on behalf of my parents. They received the following offer in the post yesterday!!

What were you reclaiming: Personal Loan PPI
Who was the provider: Natwest
How much did you get back: £13,875.94

So within 2 weeks between myself & my parents Natwest are paying us £179.15 short of 30K!!!

:money: YOU ARE AN :A !!!!!

Pink1808

car69244 wrote: »

Further to the above 1 week later and the money is in my bank account!!! :j with additional interest - Grand Total of £15,944.91 - A lovely deposit on a house for this First Time Buyer!!!

Also, since the above result I also complained on behalf of my parents. They received the following offer in the post yesterday!!

What were you reclaiming: Personal Loan PPI
Who was the provider: Natwest
How much did you get back: £13,875.94

So within 2 weeks between myself & my parents Natwest are paying us £179.15 short of 30K!!!

:money: YOU ARE AN :A !!!!!

Wow well done that's a great amount, hope you don't mind me asking was it a big loan?

car69244

Pink1808 wrote: »

Wow well done that's a great amount, hope you don't mind me asking was it a big loan?

Its difficult to say really as they were part of consolidation chains. I think the biggest was £18K.

bmw3201

who has egg problems:mad:no phone numbers , wrote to them , dont ansewer. just banks doing what they like screwing us:mad:

YveJuneBaby

Thank you MSE and Dustonh!

What were you reclaiming: Loan
Who was the provider: HSBC
How much did you get back: £870

What were you reclaiming: Loan
Who was the provider: Cahoot
How much did you get back: £850

Both these were for PPI on Loans for roughly 6 months, before i either cancelled or paid the load out in full.