PPI Reclaiming successes and failures

husaberg

amersall wrote: »

If you paid PPI on the card when it was transferred to Virgin, you need to claim these years from them.

thanks for your input, but virgin never charged me ppi.

It looks like a lost cause for me, i found out too late about the ppi to request all the information and how much i've paid, its back with the ombudsman, but as has been suggested on here its very uncertain future, i'm only continuing in the hope that, my experience might help others, as others who posted on here have helped me, and i may receive a better offer, although very unlikly

toofy

Husaberg - (just a thought) ..if you retrieved your credit report from the likes of Experian or Equifax would it show detailed information of what your credit card balance amounted to? How far do they hold records for?

*Dusty*

We phoned the halifax about our MPPI.

They upheld our complaint, cheque for nearly 10 years worth of MPPI en route.

errorgorilla

errorgorilla wrote: »

A good idea. I've just called and after ten minutes of faffing around, they tell me they haven't received my acceptance. It'll take another 10 days for a new offer to be sent to me. Then the woman I spoke to cut me off. Oh, RBS, how I hate you so.

A week after contacting RBS and learning they have no record of my acceptance of their compensation offer (despite it being returned in the prepaid envelope they provided three weeks earlier) I am yet to receive another offer for me to sign and return.

I guess I'll have to give them until next Thursday, which will be the full 10 working days they told me it could take for another copy to be issued. In all honesty, I doubt it'll arrive. In fact, I doubt it was ever posted. So I'll have to go through the whole thing again. Yesterday I emailed the RBS Customer Concerns team, in the hope they'd help. Instead I received a poorly composed email (one sentence just stops in mid-air) in reply, informing me they had forwarded my complaint to the RBS PPI team, who are precisely the same people who have already lost my paperwork, can't pronounce my surname (it's O'Keefe. Not "Mr O'Keefy", not "Mr O... Mr... O... Keith?", "Mr Ock-eeth" and every other variant the woman tried) and then cut me off midway through the call.

nancmat

Got my letter back from nationwide, they didn't agree with one claim but have offered the following for other two loans ppi refund £2,419.20, deductions (insurance rebate) £1,173.14 & 8% interest £966.47 total refund = £2,212.53. Happy, but what is the insurance rebate, they don't explain?

amersall

nancmat wrote: »

Got my letter back from nationwide, they didn't agree with one claim but have offered the following for other two loans ppi refund £2,419.20, deductions (insurance rebate) £1,173.14 & 8% interest £966.47 total refund = £2,212.53. Happy, but what is the insurance rebate, they don't explain?

This rebate is what they gave you when you settled a loan(s) early.

[Deleted User]

errorgorilla wrote: »

A week after contacting RBS and learning they have no record of my acceptance of their compensation offer (despite it being returned in the prepaid envelope they provided three weeks earlier) I am yet to receive another offer for me to sign and return.

Time to write to the chief executive. Read my similar experiences here;
https://forums.moneysavingexpert.com/discussion/3959897

nancmat

Ok, I didnt settle any early but topped up loans, is this right?

-taff

nancmat wrote: »

Ok, I didnt settle any early but topped up loans, is this right?

by topping them up you effectively settled early.

nancmat

No I've just spoken to them, they say they sent me a cheque in Feb 2007 for £1173 which I have no knowledge off ( i got married in June that year & would have remembered), they passed me through to a guy who looked at my old statements & he couldn't see any cheques banked from nationwide ever in 2007, so I'll ring them again, surely they would have done it electronically. FYI Nationwide is the only bank i've ever banked with couldn't have paid it in anywhere else.