PPI Reclaiming successes and failures

worried48

Happy_Alan wrote: »

I'm going to have a very merry xmas after getting an offer today from lloyds tsb for over £4,500 for an old consolidation loan.

What grounds did you use?

Tan78

It has taken me such a long time to get this sorted as I did not give enough detail but through determination I have finally received an offer letter. I originally sent my complaint in May and had a rejection letter 30th June giving me 28 days to submit further information which I did with regards to a pre exisitng medical condition. They then sent me another rejection letter on 2nd October but had tried to contact me at work during September but I couldn't discuss it at work so asked them to contact me at home I never received another phone call so when I received the letter in October I emailed the ceo saying I did not think the new evidence was looked at fairly, 2 days later I received another phone call at work explained I couldn't take the phone call at work and arranged to be called back at home the next afternoon which they did. I was asked lots of questions about my pre exisitng medical condition and told I would hear within 7 days. 7 days came and went so after about 2 1/2 weeks I called the PPI helpline and was told my claim had been upheld and they were waiting for Halifax Card services. I received my offer letter today for £4400.82 which means I can pay off the remainder of the card and have a little left over for myself. I have been on a DMP with the CCCS since 2008 and the credit card was only the remaining debt on my plan so I am over the moon! :j
My advice to anyone would be to give as much information as you can first time round then you don't have to keep going backwards and forwards like me!
Good luck to everyone else and thanks to everyone who posts advice on here as I think this forum is great!:beer:

andydavis1

I was just wondering if i could have some advice, i have lodged a ppi claim for a credit card, i have received a "goodwill offer" from my bank. I am un-sure weather to take the offer. I disappointed that they have not made a decision on my case just an offer, this leads me to believe that my complaint is correct and the bank just cant be bothered with me. I am happy to take it further but wonder weather there is any need as even if they uphold my complaint are they likely to offer a different amount as they seem to have worked all the figures out? Has anyone else refused a goodwill offer and what was the outcome?

dunstonh

andydavis1 wrote: »

I was just wondering if i could have some advice, i have lodged a ppi claim for a credit card, i have received a "goodwill offer" from my bank. I am un-sure weather to take the offer. I disappointed that they have not made a decision on my case just an offer, this leads me to believe that my complaint is correct and the bank just cant be bothered with me. I am happy to take it further but wonder weather there is any need as even if they uphold my complaint are they likely to offer a different amount as they seem to have worked all the figures out? Has anyone else refused a goodwill offer and what was the outcome?

A goodwill offer is generally made when there is no evidence to support your case but the amount is typically small value and cheaper for the firm to pay it than fight it.

Goodwill offers can be withdrawn if you refer them to the FOS.

Pink1808

andydavis1 wrote: »

I was just wondering if i could have some advice, i have lodged a ppi claim for a credit card, i have received a "goodwill offer" from my bank. I am un-sure weather to take the offer. I disappointed that they have not made a decision on my case just an offer, this leads me to believe that my complaint is correct and the bank just cant be bothered with me. I am happy to take it further but wonder weather there is any need as even if they uphold my complaint are they likely to offer a different amount as they seem to have worked all the figures out? Has anyone else refused a goodwill offer and what was the outcome?

As I believe goodwill offer are a banks way of saying ok you were right but we wont admit it haha , well that's what I have been told (sure someone will correct me soon) anyway as long as the amount seams about right except the offer and keep smiling

Also all my goodwill offers have been either for the right amount and a little bit more

plumbertone

Happy_Alan wrote: »

I'm going to have a very merry xmas after getting an offer today from lloyds tsb for over £4,500 for an old consolidation loan. This only happened due to MSE and your advice. If I can do it myself, so can you.

Thanks MSE

I wish people would give the reasons for the mis-sale.

worried48

plumbertone wrote: »

I wish people would give the reasons for the mis-sale.

So do I!!!

Pink1808

plumbertone wrote: »

I wish people would give the reasons for the mis-sale.

Each persons reasons for being mis sold is different, you cant just write to them with someone's else's reason because this is fraud

worried48

Pink1808 wrote: »

Each persons reasons for being mis sold is different, you cant just write to them with someone's else's reason because this is fraud

O I know that! It's just that those of us in the queue waiting for an answer want to get some idea of the chances of our succeeding (at least I do, I assume I am not the only one!)

[Deleted User]

plumbertone wrote: »

I wish people would give the reasons for the mis-sale.

worried48 wrote: »

So do I!!!

Pink1808 wrote: »

Each persons reasons for being mis sold is different, you cant just write to them with someone's else's reason because this is fraud

I don't think the posters above want to copy that complaint, they just want to hear some reassurance that their own complaint may succeed!

I do think some people like to imagine there is some magic complaint reason which is upheld without question.

The problem is that the Banks don't divulge why a complaint is upheld, only why they decline.

In addition, the complaint reason which the customer uses may not be the one which actually convinces the Bank to uphold!

Do remember that every complaint is dealt with on it's own merits (or lack of them), so other successes are no real guide to how your own might perform.