PPI Reclaiming successes and failures

[Deleted User]

Churchillzz wrote: »

I defiantly had the PPI as I have the certificate to prove it.

A certificate does not prove you paid any PPI since you could have cancelled it at an early stage and paid nothing. Regardless, proving you had PPI is not the most important factor here, in order for it to be refunded to you it has to have been mis-sold to you. What complaint reasons did you give?

Your "claim" does not have be "accepted", the Bank has to agree it was mis-sold to you.

-taff

Moneyineptitude wrote: »

All of your original messages are still on the forum. Just because you obviously can't find them doesn't mean they are deleted.
http://forums.moneysavingexpert.com/search.php?searchid=149908276

http://forums.moneysavingexpert.com/search.php?searchid=149908416

[Deleted User]

-taff wrote: »

http://forums.moneysavingexpert.com/search.php?searchid=149908416

What does that dead link prove?
The other posts have all the E-Mail addresses etc intact.
If the poster concerned is having posts deleted then perhaps he would be better advised discussing it with the moderators rather than on the open forum?

millsa_2

hi new to this but briefly last year ocean finance upheld a claim unfortunately at that time i was having to fold a business and didnt realise that i had a time scale in which to reply , when i realised and rplied it was two weeks out os the time scale given to reply so got the fos on to this, beginning of this year had a reply saying not eonough evidence i have now given them all the evidence needed but still dont know if il get it. Surely if its been upheld and they have admitted they owe you it why cant i have whats owed to me?:mad:

-taff

Moneyineptitude wrote: »

What does that dead link prove?
The other posts have all the E-Mail addresses etc intact.
If the poster concerned is having posts deleted then perhaps he would be better advised discussing it with the moderators rather than on the open forum?

yours was a dead link too.
It was supposed to be a list of his posts that were all the same....

if he clicks on his name, and scrolls to 'find more posts by' he should be able to see what he's posted.

-taff

millsa wrote: »

Surely if its been upheld and they have admitted they owe you it why cant i have whats owed to me?:mad:

why didn't you ask them that before you referred it to the FOS?

Now that you've referred it, you'll just have to wait until it's investigated.

[Deleted User]

-taff wrote: »

yours was a dead link too.
It was supposed to be a list of his posts that were all the same....

The links must time out, it was a live link when I posted. Looks like my original comment was correct and that the OP simply assumed his other posts were deleted because he doesn't know how to search his own posts.

amersall

finlay24 wrote: »

Hi all,
Can anyone help, i'm getting really frustrated. I have an ongoing claim for a loan i had with lloyds tsb, i went to the ombudsman and filed a claim and they recommended that lloyds uphold the complaint so i was obviously chuffed thinking i was going to get a payout for something that i never consented to for and something i never knew i was paying.
Since i received a letter from the FOS dated early september about upholding the complaint they said i should receive a decision by early october and have still received nothing from lloyds or FOS. I have rang both lloyds and FOS a few times and seem to be getting fobbed off by lloyds and keep getting told by FOS that they cant do anything till they hear from lloyds. Any advice much appreciated
Thanks

Send an email to.. antonio .osorio @lloyds banking .com
No spaces obviously

pageyboy77

Hi, I sent the standard PPI letter with as much detail as I had, i.e name address, DOB, type, loan credit card etc and I have received some letters stating they are investigting, however I have received many letters saying that because I did not provide the account number (as I do not know) that they will not progress and close the claim. Is this correct, please help!!

[Deleted User]

pageyboy77 wrote: »

I have received many letters saying that because I did not provide the account number (as I do not know) that they will not progress and close the claim. Is this correct, please help!!

If you give the lender no way of accurately identifying the account you are complaining about then how can they progress? Indeed, how can you complain if you have no evidence whatsoever?