PPI Reclaiming successes and failures

amersall

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?

The original agreement will only show the PPI on the loan, it will not show if you actually paid this PPI as it could have been cancelled or settled early.

They maybe cannot find details of this loan due to the year, if the agreement has the account number on then you could do a Sar request to see if this throws anything up but it will be a long shot.

https://forums.moneysavingexpert.com/discussion/1475553

Ask for all info they hold on you, enclose £10 and give them 40 days to respond.

hitback

Please can anyone help with this?
Just finished a phone call with Barclaycard who took over Goldfish. I submitted a claim for PPI in August and along with the claim sent a copy of the Goldfish credit card statement showing the PPI payment. They have advised they are unable to locate a policy in my name, and that they would be happy to reopen the case if I am able to supply further details. I mentioned that I had already sent a copy of a statement with the original claim! :mad: I am going to resend this..has anyone else experienced this,? also if they still say they cannot locate the policy after showing them proof of payment can they reject the claim again on the same grounds?

hitback

forgot to add, if they do reject the claim again is it worth me purusing with FOS?

KeahsMum

hitback wrote: »

Please can anyone help with this?
Just finished a phone call with Barclaycard who took over Goldfish. I submitted a claim for PPI in August and along with the claim sent a copy of the Goldfish credit card statement showing the PPI payment. They have advised they are unable to locate a policy in my name, and that they would be happy to reopen the case if I am able to supply further details. I mentioned that I had already sent a copy of a statement with the original claim! :mad: I am going to resend this..has anyone else experienced this,? also if they still say they cannot locate the policy after showing them proof of payment can they reject the claim again on the same grounds?

Yes they did a similar thing to me! My account with the PPI on it was blocked and they couldn't find it so closed down the claim! After many calls between Littlewoods (who card was issued by) & Barclaycard they managed to find it! They apologised and admitted it was their fault and have now placed it in their "Re work" queue. The 8 weeks are now up but they are saying it now has no time limit!! Very frustrating indeed!

ladymills

KeahsMum wrote: »

Yes they did a similar thing to me! My account with the PPI on it was blocked and they couldn't find it so closed down the claim! After many calls between Littlewoods (who card was issued by) & Barclaycard they managed to find it! They apologised and admitted it was their fault and have now placed it in their "Re work" queue. The 8 weeks are now up but they are saying it now has no time limit!! Very frustrating indeed!

they have done exactly the same to me, saying i didn't have PPI even though i attached a statement, it took 3 phone calls to get it reworked. Having seen quite a few posts about this now I am beginning to believe they are doing it on purpose as I was told even though it is their error there is no time limit and if I am not happy go to the FOS. It seems they are getting round the 8 weeks by deliberately making mistakes!!!!!

AntonH67

Egg have upheld my claim, woohoo!

Letter received today confirming £3.5k to be repaid. Herre's hoping for a quick turnaround with the cheque though I'm not holding my breath on that one.

Thank you Martin and everyone on this forum. Your encouragement was a huge help.

:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

uptomyeyeballs

Banked my cheque on monday :-)

lucyhope

I've just banked a cheque for £3,335.33 for PPI from Lloyds TSB. Wrote to them early September reclaiming for 1 loan and received refund for 6!! I had forgotten about them and didn't know there was PPI on them.

kb92

Aft er claiming back ppi from mbna. they sent me a letter saying "that part of the business has been sold to Eversheds (debt collectors)? so I phoned Eversheds and was told that to pay us back,we would have to send a signed copy of the amount from mbna??? so!! phoned m.b.n.a. and they replied that they are still looking into my claim??? am i being fobbed off,who is liable ?surely it must be mbna who sold me the insurance?or could this be good news that they have already sold THEIR debt to eversheds?? please help!

dunstonh

kb92 wrote: »

Aft er claiming back ppi from mbna. they sent me a letter saying "that part of the business has been sold to Eversheds (debt collectors)? so I phoned Eversheds and was told that to pay us back,we would have to send a signed copy of the amount from mbna??? so!! phoned m.b.n.a. and they replied that they are still looking into my claim??? am i being fobbed off,who is liable ?surely it must be mbna who sold me the insurance?or could this be good news that they have already sold THEIR debt to eversheds?? please help!

The seller is still liable for the sale of the policy. However,if your complaint is successful, then the redress payment can go against any amount they wrote off as part of the transfer to the collection agency with any surplus then going against the debt at the collection agency.