PPI Reclaiming successes and failures

maggy50

hitback wrote: »

And no...the amount was not owed to a debt company! It is owed to me...I would not be complaining about this otherwise!

Oh that makes it more clearer and I have to agree Nat West customer services are dire.
Hope you have an answer soon.

an999

hi there everyone applied for ppi with capitol one they said they will give me £2220 but will only take this of the balance that ive got left on my card which is £2773.im paying my card bill every week and i wouldnt be in this position if they hadnt take it of me in the first place ive just lost my job and this money would really help
can they do this and is there any way i can get the payment in full paid to me
my fingers are crossed if anyone can help

amersall

GingerAnnie wrote: »

Hi all

I had a complaint rejected by MBNA and went to the FOS. Got a surprisingly quick response from FOS upholding my complaint. They said that MBNA could take up to 8 weeks to get back to me, and to be patient. We are now at 7 weeks and I have had not one peep from them. Would it be worth calling them ? Will their letter, when it arrives, include the cheque (no idea how much I'll be getting) ? Thing is, I really need the money now so I'm tempted to chase them ...

And, does it "really" have to take them a further eight weeks ?!?!?!

Thank you all

Sorry to tell you this but they can take a further 8 weeks and then some, it stinks I know but just hang on and see what they say.
They should send a letter with the redress amount and if the Card (I assume it is a card?) is still live they will credit the redress to the card and then take it back and issue a cheque to you, if the card is not live they should then send you a cheque, they may put a cheque in with the letter or send it separately.

amersall

an999 wrote: »

hi there everyone applied for ppi with capitol one they said they will give me £2220 but will only take this of the balance that ive got left on my card which is £2773.im paying my card bill every week and i wouldnt be in this position if they hadnt take it of me in the first place ive just lost my job and this money would really help
can they do this and is there any way i can get the payment in full paid to me
my fingers are crossed if anyone can help

Do they know you have lost your job? if they do then they would not chance you leaving a Credit card debt and not pay it.
What is the actual wording on the letter that you received?.

GingerAnnie

amersall wrote: »

Sorry to tell you this but they can take a further 8 weeks and then some, it stinks I know but just hang on and see what they say.
They should send a letter with the redress amount and if the Card (I assume it is a card?) is still live they will credit the redress to the card and then take it back and issue a cheque to you, if the card is not live they should then send you a cheque, they may put a cheque in with the letter or send it separately.

Thanks for the reply - I may just give them an equiring call tomorrow to see what they say Card not live, no - was a while ago and all paid off.

an999

thanks ever so much amersall for your help i havent told them yet that im ive lost my job
i only found out friday through a phone call with capitol one and the ombudsman about the money that owed through ppi
i really dont know which is the best thing to do or say but money could really help me at the moment.
thanks again and any advice would be warmly appreciated thanks

amersall

an999 wrote: »

thanks ever so much amersall for your help i havent told them yet that im ive lost my job
i only found out friday through a phone call with capitol one and the ombudsman about the money that owed through ppi
i really dont know which is the best thing to do or say but money could really help me at the moment.
thanks again and any advice would be warmly appreciated thanks

You are welcome.
You need to find out what the reason is as to why they are paying this to the card, then you will know if it is possible you can get it paid to you or not.

notamoneygrabber

hi all
long time since i have been on here but i have a QUESTION .
has anyone had any success getting ppi back from LLOYDS on a pre 1999 claim.MY PROBLEM is i have no paperwork but i know i had ppi on some previous loans.i have been told that LLOYDS have no access to any paperwork prior to the late 90s.
any thoughts people.

thanks

-taff

notamoneygrabber wrote: »

hi all
long time since i have been on here but i have a QUESTION .
has anyone had any success getting ppi back from LLOYDS on a pre 1999 claim.MY PROBLEM is i have no paperwork but i know i had ppi on some previous loans.i have been told that LLOYDS have no access to any paperwork prior to the late 90s.
any thoughts people.

thanks

If the SAR came back with nothing, your complaint is over.

an999

amersall wrote: »

You are welcome.
You need to find out what the reason is as to why they are paying this to the card, then you will know if it is possible you can get it paid to you or not.

they are saying as there is still a balance on the card the money they owe me will pay of the outstanding and it seams so un fair
in your opion whats the best way to get the full amount owed to me back thanks