PPI Reclaiming successes and failures

amersall

peanutbutter_cups wrote: »

hi guys im a happy bunny today xx
got phone call this lloyds this morn about my loans claim very nice man said he would be crediting my account with £6277.01 and he was sorry for the delay as they needed to find out if they could pay the full amount to me as the loans was in joint names with my ex husband who is now dead so they wasnt sure if they could give me half(which i would of gladly taken but im not telling them that lol)
so well done to them as welcome refused 1 of my claims as the ex was main holder on it and i was the joint.
i would like to say a biggggg thank you to all on here but the biggest thanks goes to moneyineptitude and amersall for all the help they gave me(and others) and for making me laugh with their comments to each other xx thanks again mulder n sully

That is brill :j well done, I was glad to help.

amersall

di3004 wrote: »

Reclaim upheld by Underwriter/Genworth.
I would just like to confirm that in regards of a rejection from Santander via GE cap one, an account opened from 1997 until 2005, FLA also rejected, as their letter arrived today, and at the same time as Genworth Financial, who is the underwriter/insurer of GE Cap bank.

Very chuffed, and as this was not long rejected by Santander, it only taken a matter of a few weeks (2) with the underwriter.:beer:
Full refund with interest too.

:j:j:j:j Ab Fab :j:beer: just goes to show what can be done with the underwriter with a mis sell claim.

julieprit2

di3004 wrote: »

Hiya and thank you.:A

Aww so sorry to hear about the rejection, but a thought has come to me, maybe if I had complained back then, it would have been the same for me, so maybe now they realise they may still have some liability.
I now have a feeling that you will be successful now, especially now that they have started to accept and uphold.
Good luck.;)

Genworth are those of Financial insurance I believe ain't they?

I think I did come across another over on another forum and that wasn't long ago.

Fingers crossed.:beer:

Can I be so rude to ask about your settlement offer? Am keen to see how much the interest is working out at for such a long period. I had my card from 1997 to 2004

njb69

Hi there could you please advice,i have been making a payment since 2002 to a company called domestic & general thought it was to do with my mortgage as it came out the same day for the past 10 years thought it was a life insurance that i set up but it has nothing to do with it. shows up on my bank statement as DGS/RPP/DD been in contact with bank and canceled it been in contact with the company i have never set this payment up do not have any paperwork for it?do you think i have any chance of getting my money back the bank said they will be back in touch within five days?will i have to go to the bank ombudsman,any help or advise would be great,feel so stupid as i am normally so on the ball

amersall

Dillydillon wrote: »

Thanks for that bit of info, I've recently spoken to a family member who works for CAB, and he advises phoning NRAM when I've got the money to offer a pro-rata payment, which sounds good because as you know I'm not supposed to show favouritism to 1 creditor over another. Just a quick query tho, do I include the 8% simple interest into the 'pot' as such or is it just the refund. Thanks

Include the 8% then it won't come back to bite you, I thought from your first post that you had an arrangement with Nram for this loan, if you have other creditors in a plan that includes Nram, you should contact whoever the plan is with and let them know about the win, you are correct in that you cannot favour one creditor over another so the whole win may go to the plan that you have.

See how Nram pay you the money first, they may send it to you direct as you requested, if they don't then take it from there.

Whatever happens, make sure that Nram take the whole PPI off the loan balance, this will reduce the debt to them and you will clear this sooner.

amersall

Baddos wrote: »

Can anyone help at all??

All you can do is hope that HR can find evidence that you had the benefits that you say you did, you worked a long time so it may be possible for them to get you some kind of proof.

amersall

njb69 wrote: »

Hi there could you please advice,i have been making a payment since 2002 to a company called domestic & general thought it was to do with my mortgage as it came out the same day for the past 10 years thought it was a life insurance that i set up but it has nothing to do with it. shows up on my bank statement as DGS/RPP/DD been in contact with bank and canceled it been in contact with the company i have never set this payment up do not have any paperwork for it?do you think i have any chance of getting my money back the bank said they will be back in touch within five days?will i have to go to the bank ombudsman,any help or advise would be great,feel so stupid as i am normally so on the ball

Get in touch with them and see if they can find you, if they can then they will tell you what the insurance was for, you can then take it from there.

di3004

julieprit2 wrote: »

Can I be so rude to ask about your settlement offer? Am keen to see how much the interest is working out at for such a long period. I had my card from 1997 to 2004

Hi, it was not a vastly amount, but it was the principal of it, and they do pay Simple interest as well. £850 inc (total).;) Still am happy with that.:D:jSo touching £100 on the simple interest. From when it first applied to settlement of the account.

Even though it was taken out in 1997, at first there was no ppi, it appeared on statements a year or so later, which was why we made the complaint, as it was added out of the blue.

So as it will vary from one customer to another, as it will also depend on how long you were paying it for, in our case by April 2005 it was cleared.

julieprit2

di3004 wrote: »

Hi, it was not a vastly amount, but it was the principal of it, and they do pay Simple interest as well. £850 inc (total).;) Still am happy with that.:D:jSo touching £100 on the simple interest. From when it first applied to settlement of the account.

Even though it was taken out in 1997, at first there was no ppi, it appeared on statements a year or so later, which was why we made the complaint, as it was added out of the blue.

So as it will vary from one customer to another, as it will also depend on how long you were paying it for, in our case by April 2005 it was cleared.

That's great and it's definitely the principle so well done :beer:

di3004

julieprit2 wrote: »

That's great and it's definitely the principle so well done :beer:

Cheers hun, the fact that you probably started paying ppi before me, you should be awarded a little more simple interest. :beer: