PPI Reclaiming successes and failures

[Deleted User]

finlay24 wrote: »

Thanks for reply, I emailed the CEO of lloyds on Friday morning and had no reply

I've not seen any reply to your original post on the forum, but are you sure you've E-Mailed the correct address?
Regardless, E-Mailing on Friday and expecting a full reply by Monday morning is a little impatient. There won't have been anyone in the office at the weekend to deal with your complaint.

finlay24

I know maybe impatient but the person who originally told me to email the CEO said they heard from them in 2 hours. This whole matter of ppi mid selling is such a tedious process:(

[Deleted User]

finlay24 wrote: »

I know maybe impatient but the person who originally told me to email the CEO said they heard from them in 2 hours.

Since this was obviously told to you "off-forum", I suggest you continue your private messaging with the person concerned.

Jackswan_2

I have a problem. In April 2007 I sent off two complaints to the FOS against RBS(Tesco Visa & Lombard Mastercard), over time I had mislaid the Recorded Delivery slip. As I hadn't had any response from the FOS i contacted them and was told to re-submit the claims. In the meantime I had received a final response letter from RBS rejecting the PPI repayment claims. This was in 2009.When the FOS suggested I submit a new claim this was early 2010, the FOS earlier this year finally informed me that as RBS had issued a final response in 2009 and although they (FOS) had suggested that I resubmit, the FOS have determined that the matter is closed. When I completed both application forms in 1999 I was in employment, however, in December 2000 I wrote to both credit card banks that my employers had ceased trading and that I was now self-employed.Neither cc bank made any adjustments. In 2006 I applied to both to cancel the PPI which I had only recognised I was still paying due to the exposure of PPI misselling.
The FOS are not able to deal further with this even though they did admit in correspondence that they had notified RBS that I did have a complaint. RBS reckon that I am time barred, yet they have accepted that I began correspondence with them back in 2006. What is frustrating is that both banks repaid late payment fees against both cards.

RBS Lombard have taunted me with - go to the small claims court.That in itself could be a gamble, both cards with 8% interest over the years amounts to PPI reclaim of over £3000.

Does anyone ahve any suggestions as to how I should move this on ?

beverleysusan

We took out a mortgage (pretty sure it was with PPI) in August 2000 with Cheltenham and Gloucester till 2005 when we changed to Abbey. Abbey paid back PPI almost by return when I contacted them. Who do I contact about C &G now they no longer exist?

saverrach

Credit card PPI claim from NatWest
Total received: £1800

I knew I was owed PPI from a credit card dating back over 10 years, so I downloaded the letters from MSE and sent them off to my bank to get copies of the original Ts and Cs. Sure enough, I was right.

Next I completed the template provided on here: straight forward and easy to use, and was about to send it off when I noticed my bank (NatWest) had a phone number on their site about missold PPI claims. I called them to check that all I needed to do was send off my forms (which they confirmed was correct), but they also did a check on me to see if I had been sold any other PPI for other loans or cards. And it turns out I had been!

So, I posted my credit card claim form off, and went through a really quick and simple questionnaire over the phone with the NatWest person for the loan PPI I'd been missold.

Fast forward about 6 weeks and I have two letters with offers totalling just over £1800 for the two claims. I accepted their offers and less than a week later I have the money in my account.

I can't believe I put off making my claim for so long: it was so straight forward and now I'm nearly £2k richer!

thanks for the great advice!

San78

Hi,
I'm a new user to this site, I put a claim in for PPI for a Style card I took out with (la senza) back in 2004 an I have been offered £476 as a good will offer. However I thought about going to the ombudsmen to despite the offer as over a three year period 2004-2007 I feel I could have been offered more. But after reading some of the stories on the forum I have been offered quite a bit of money so will accept the offer.

I would appreciate your feedback, thanks in advantage.

-taff

They weren't regulated then so the FOS can do nothing.
Take the offer. You won't be offered more than you actually paid.

getting_my_life_straight

I rang up over a store card that I had from 1993 - 2009. I called the last number that I had and was told that they had run the card from 2005 - 2009 and that yes I had paid PPI on it. I was told to write in to request a form, which I did last week. Got a letter today with a cheque for over £3000 in it. All from a quick phone call and a first class stamp. I used to be so envious reading all these stories and urge anybody to make that first contact. All it took was a speculative phone call. Money now put aside for Xmas!!
Thanks to everyone who posts on this forum.

English52

I received a letter from lloydstsb saying that I may have been miss old ppi.i received the letter at the beginning of sept.i filled in the form they sent me and returned it. I had a letter back a week later to confirm they would look in to my complaint. I had a phone call beginning of October asking me questions about my loans and why I had taken ppi out. I simply told them that I was told I had to take ppi out as a condition of the kian.I received a letter 25/10/13 stating that they had looked in to my case and agreed that I had been miss old ppi on all of my loans. They said that they had gone back to 1996 and found I had had 6 loans between 1996 and 2007 they said that there was another loan previous to 1996 but did not have any details on file.they said that they owe me £18770 which they will pay in to my bank account within 28days.it would have been more only that I had made a claim on my last loan when I was off work.
So don't use claim companies just wait for the bank to write to you as I think all the banks are doing now.