PPI Reclaiming successes and failures

Maxers

Hi, first post from me so here goes


What were you reclaiming: Loan & Credit Card PPI
Who was the provider: Marks & Spencer
How much did you get back: £13900
Did you get it back after a letter or did you go to the Financial Ombudsman: 1 phone call to M&S Money

I rang M&S Money on 3/1/13 saying I believed they had mis-sold ppi as I had major back surgery about 18months before the credit card and subsequent loan was taken out. I was 100% sure no one had ever asked about Pre-exsisting medical conditions but if they had I would have def mentioned this op as I've suffered with back problems for years (and still do) so the chance of the PPI paying out would have been none, had I tried to claim.

I had a letter confirming the compliant within 4 days then on 9/2/13 I had an offer letter which I returned on 14/2/13 and the money was paid by bacs into my account today.

Just waiting for Lloyds TSB & Egg to come back to me with a decision, hopefully sometime soon.

I've been lurking on here for about 3 months but just wanted to THANK YOU ALL :T:T:T

sjc1967

Can anyone help me? I had a call today from EMCAS offering to help claim back any mis sold PPI's, ISA's or other investment bonds. My ears pricked up as I recently surrendered a GIP after the building society advised me to take action as my money was not earning for me "due to the current economic climate", in fact, it had not earnt a penny in the 10 years they have had it, it actually cost me just over £34 in tax to cash it in! I do feel that I haven't had the regular advice on this bond that I should have had, even though I contacted them around 3 years ago to ask if it was in the best place, I was told to leave it where it was. At the time I took it out I also stated to the financial adviser, that I was a "cautious" invester and not prepared to take a high risk, but I was disappointed that in all those years the only people to earn from my money was the building society! Should I trust EMCAS? I've never heard of them before but they sounded pretty convinced that I have a strong case...

-taff

Johnnyblaze wrote: »

Is it worth persisting with this even though this claim as it is an account which is now 11 years old and therefore does not fit in with the 6 year period they are talking about. I am sure I am eligable for the claim but I do not have anymore information.

Your thoughts are appreciated...

p.s. where are the PPI forms on this site which you all speak so highly of?

Thanks in advance...

Johnny!

If you have no info and they have no info, your complaint is over.

Here they are
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

amersall

sjc1967 wrote: »

Can anyone help me? I had a call today from EMCAS offering to help claim back any mis sold PPI's, ISA's or other investment bonds. My ears pricked up as I recently surrendered a GIP after the building society advised me to take action as my money was not earning for me "due to the current economic climate", in fact, it had not earnt a penny in the 10 years they have had it, it actually cost me just over £34 in tax to cash it in! I do feel that I haven't had the regular advice on this bond that I should have had, even though I contacted them around 3 years ago to ask if it was in the best place, I was told to leave it where it was. At the time I took it out I also stated to the financial adviser, that I was a "cautious" invester and not prepared to take a high risk, but I was disappointed that in all those years the only people to earn from my money was the building society! Should I trust EMCAS? I've never heard of them before but they sounded pretty convinced that I have a strong case...

Post your question here

http://forums.moneysavingexpert.com/forumdisplay.php?f=17
You will get more help with this.

annemt

Hi all, just thought i would let you know 2 loans from lloyds tsb one 1998 one 2008 ppi on both got offer today for just over £1000 , both paid off early. Thank you just took a phone call Anne

sjc1967

Annemt - a phone call from you or from a company working on your behalf?

annemt

sjc1967 wrote: »

Annemt - a phone call from you or from a company working on your behalf?

sorry i meant to say a phone call from me to lloyds tsb 7th jan, Anne

Waynepik

Having sucessfully claimed mis-sold PPI for my BiL :Tthe company are now using the money to replay a debt that they had previously agreed and cleared with a partial settlement figure on - can this be lawful? Even if so...surely this is morally wrong?:mad:

udh

I made a phonecall in December on spec to RBS asking them to check the NatWest loan I had (and defaulted on).


8 weeks later and claim approved for £9.8K refund including interest (loan started Jan 2006, defaulted from Jun 2010).

2 days after that another 5 letters came through stating that because the '06 loan was found to be in a chain, loans in the chain were checked, resulting in (in total) another £8.3K refund (including interest). Amounts ranged from over £3K to £40.32!!!

No middle men and a freephone number!!

Rags2Riches_3

Just wanted to report a successful yet modest (£120) PPI repayment from Natwest with one phone call from the number given on MSE. Thanks - job done!!