PPI Reclaiming successes and failures

-taff

They can use it first against any debt you owe them. They may choose not to, but the likliehood is that they will.

Lh21

Ok great thanks? That's fine. Anything to reduce my debt, though I suspect if I get any it will hardly make a dent!

sprinterman

hi there and a big thank you to all on this site that have gave me the encoragement to apply for credit charges and ppi it was my brother that told me about this site about three years ago and told me a few letters and a few stamps and a couple of hours work and i could be in the money as i had a lot of cards and a few loans so i went for it in 2010 santander for charges, late payments etc £170
halifax loan ppi £640 halifax loan 2 ppi £531 city card ppi £285 city card 2 £337 capital one card £178 littlewoods flexible card via barclaycard £236 barclaycard credit card £1458, woolwich small loan £641, monument via barclaycard £445 woolwich big loan £1821, barclaycard ppi £1034, barclaycard charges £336 in total £9450 but i think there was a few more anyway what i want to say is do not be put off just apply and see what you get nothing ventured nothing gained also i had a few down right rejection letters but on reading in this site that some people have been rejected as well by the same companys namly littlewoods and fought back and have won so i am going to reapply and see what happens also from this site i have found out you can apply for my dead wifes ppi etc so that is next on my list will post any results i get SUCCESS ABOUT 4 WKS AGO I GOT A LETTER FROM CITY FINANCIAL SAYING IN 2010 I APPLIED FOR PPI REFUND ON ONE OF THERE PRODUCTS AND WAS REFUSED BUT THEY HAVE NOW DONE A REVIEW PUSHED BY THE FSA AND THIS IS HOW IT IS MADE UP CRP PREMIUMS PAID £887.55
REFUND OF INTREST ON PREMIUMS PAID AT CONTRACTUAL INTREST RATE £814.74
INTREST AT THE RATE OF 8%AS DETAILED ABOVE £1175.75 TOTAL REFUND DUE £2868.04 AND WOOPIE DOO CHEQUE ARRIVED YESTERDAY AND ALL THIS OUT OF THE BLUE THEY CONTACTED ME HEE HEE SO DONT GIVE UP HOPE GET THOSE STAMPS AND SENT OUT YOUR LETTERS THANKS AGAIN EVERYONE FOR ALL YOUR ADVICE.

sprinterman

hi can anyone tell me the best way to claim ppi or charges for my decieced wifes accounts as i would need to claim on her behalf how do i ask for her statements or charges etc as i cant sign her name should i just say that i am wanting this info to check her accounts now that she is decieced and include a copy of her death certificate with the inital request for info letter any help would be appreciated and has anyone else claimed for a dead relative thanks

emmmski

Hi Amersall,

Their response has just arrived, and I have question if don't mind. I had two loans with welcome. The first I took out and paid off in full very quickly, they have replied stating that as this account was cancelled and unwound within 1 month of inception it is not a valid account and rejected my complaint. Does this sound correct? I'd thought I would have paid off the ppi as well as the loan or am I mistaken?
The second loan they have upheld and offered full refund of £757.02 so that's the good part.
Thank you in advance.

emmmski

amersall wrote: »

Let us know if it is a rejection and the reasons they gave, we may be able to help you further.

Sorry I've just posted a question to you without linking it to this post doh!

amersall

emmmski wrote: »

Hi Amersall,

Their response has just arrived, and I have question if don't mind. I had two loans with welcome. The first I took out and paid off in full very quickly, they have replied stating that as this account was cancelled and unwound within 1 month of inception it is not a valid account and rejected my complaint. Does this sound correct? I'd thought I would have paid off the ppi as well as the loan or am I mistaken?
The second loan they have upheld and offered full refund of £757.02 so that's the good part.
Thank you in advance.

:j Well done.

With the first loan, did you make the first payment or not?, if not then do you know what the original loan amount and PPI was and what the settlement figure was?.

On the one that they are upholding, does the amount they are giving you seem right?.

amersall

emmmski wrote: »

Sorry I've just posted a question to you without linking it to this post doh!

You are having a blonde moment, I have them and I am not blonde:p

mollycakes

hi everyone, just had some rather disappointing news that halifax have rejected the 7 CREDIT CARD ACCOUNTS that we had unwittingly been paid PPI on. we didn't take them out online and was not informed that PPI was being sold to us AT ALL. frustrating is not even the word! they said that the reason they couldn't accept the claim was that there was "insufficient evidence".

i should also add that we have also discovered that we were paying PPI unwittingly on the mortgage (10 years) and another loan. they havent got back to us yet about this but it seems like its going to go the same way.

is going to the ombudsman a good idea? seems so unfair that they have said they have insufficient evidence when we werent even aware we were being sold the bloody ppi in the first place! i am disgusted with halifax and just want to see justice done now

thank you for all your help!
molly

[Deleted User]

Please don't spam the forum with duplicate posts...

It's hardly surprising that your complaints about "unwittingly" paying PPI have been rejected. Credit card PPI appears on every monthly statement you will have had as a separate line. You will also have agreed to this insurance at some stage, though it's likely you've forgotten.


I think it unlikely you'll have any better result from "unwittingly" paying PPI on your mortgage since there will be very thorough documentation signed by you and showing you agreed to PPI.

The only unknown is your loan.

I can only say that you gave the weakest mis-selling complaint possible, you can't possibly prove your allegations but your lenders can point to plenty of evidence to counter your assertions.