PPI Reclaiming successes and failures

aayush

I have recived a latter from Nationwide CC and the have offered me £417.00 for my PPI when previously the declined my letter saying as not able to get the money back should ask fro more or take what i have got

[Deleted User]

aayush wrote: »

should ask fro more or take what i have got

You'll only ever get a refund of PPI you actually paid (plus interest), it's not negotiable. Unless you have verifiable evidence that you paid more, you can accept the offer.

aayush

Still waiting for Response from other inc virgin MBNA and CPP

maggy50

CurlyTop wrote: »

Hi

I used the forms from here and submitted 1 to RBS for ppi on a loan. I had no paperwork. They telephoned me and gave me an interview. 1 week later I received an offer and 10 days later received 5 chequest totalling £9816 :j

I had been thinking of not bothering seeing I could make a claim as I had just finished a long debt management journey which had taken 11 years to resolve (mainly because of reduced income due to reduction in hours for ill health). During that time, RBS had taken me to court for a ccj. Both I and Stepchange thought they were trying to obtain more money from me. It was only afterwards that it came to light that the ccj was because they claimed I'd missed 6 months worth of payments (which I hadn't because at this stage, I'd been paying religiously every month for 6 years). When I challenged their error, they set the ccj aside.

I reckon I must have cheesed RBS off at this point because they put 2 further ccjs against me but again the judge sided with me and they got no further money from me. I did however have a charging order set against me (the judge on the day who was standing in for another judge, said she wouldn't have allowed the charging order based on my continuous repayment of debt).

Cut to last November and the debt was repaid :j

At the time of submitting my RBS ppi claim, I made a Barclays one. That has been handled SOOOOO different. Its now gone outside the 40 days limit. I rang up to see where it was up to. I've been told because I have married from when the claim was made that they've put a stop on the cheque they were going to send me as they have realised the change in my name! They never told me this, I've had to find this out by ringing up and getting the run around. I had answered a letter they had sent me whereby it said I could go in branch OR write to them. I wrote to them and provided a photocopy of my marriage certificate (as I did RBS), which Barclays have scanned on to their records. Their screens say I'm married, the staff call me by my married name yet, for the purposes of writing a cheque, they can't write it in my married name unless I go in branch. I'm now digging my heels in as this is now very poor customer service. After being on the phone for 58 mins on Thursday with the customer service complaints team and as I was holding they were twice cut off, they are so mortified, they are going to take the complaint forward and I will receive a call tomorrow as to where this is up to. Either way, I know another cheque will be on its way, but I'm not too sure how much for.

What I'm trying to say (after a long waffle, apologies) is that I couldn't have done it or wouldn't have done it without reading the boards here. Boy am I so glad I did[/QUOTE

Well done :j and good luck with Barclays hope you get the cheque soon .

fozmcfc

Well done curlytop.

I too wasn't sure about reclaiming PPI, on all those past loans and cards, but as the forms were sent to me, I thought why not, they must think I have a case. So I simply wrote down the circumstances and waited to see what happened and here I am nearly £10k richer.

Like me, I hope you enjoy being debt free, it's a great feeling, owing no one anything after virtually owing some bank/credit card company for virtually the whole of my adulthood.

Biker*Chick

I am over the moon to be able to post a PPI claim success story!

It was actually all in my OH's name and related to an inital loan taken out with Lloyds circa 1996 :eek:

I'd been 'nagging him for about 5 years to make a claim but he kept saying he didn't want to (we had previously destroyed the loan paperwork after the loan was paid off around 2007, simply because we were so pleased we'd got rid of that financial millstone!!) and he said he wasn't sure he'd have a legitimate claim anyway.

Anyway, he finally turned round to me about 2 months ago to say he was thinking he might make a claim - I immediately got the contact number for Lloyds PPI claims via MSE :money: and literally phoned the number that moment so he could speak to someone (I didn't want him to think too long about it and change his mind again! :eek: )

My OH discussed the case with the PPI rep. and they said they still had records of PPI in his account history :j and they would send out their claim forms. It took a little time, and lots of cajoling by me, but I made him complete the forms asap and got them sent back. He received a call a week later to say a decision would be reached in another 3 weeks and they would write to him then.

Basically, he hadn't really had PPI explained to him properly at the time, and it had simply appeared on the loan forms when they came through. He did question it, but was basically fobbed off at the time. Anyway in the next few years after the initial loan, he had had it restructered a few times, and each time PPI was added onto the loan (I think there were 3 separate PPI acc numbers Lloyds held :eek:) and my OH put on the forms that PPI was never mentioned each other time the loan was restructured :mad: However, we couldn't prove anything, it was just his word against his old account manager.

Anyway, despite having no paper trail, and given the time that had passed we were doubtful of a positive response and were fully prepared to take it to the ombudsman... then a few days ago a letter arrived - with shaking hands I opened it and found inside a cheque for over £21,000!!! :j :beer:

So the moral is, if you know someone who has had PPI and either is unsure or cannot be bothered to put in a claim because it was 'a long time ago' or they have lost their PPI records, just say they could be missing out on thousands! I dread to think if my OH had NOT changed his mind as this really is a LIFE CHANGING sum of money for us!!

Anyway, I just wanted to share our experience :j

carrie72_2

I started mine and my husbands PPI claim back in Dec 2013 and at the moment thanks to Barclays we have received back £16,735.82. I am still waiting on decisions for some others. )

taiwan01

Received a letter from FOS this morning re my case. I am advised it has been passed onto an ombudsman for a final decision. Intially the first adjudicator find in favour of Barclays. I then supplied more information and a second adjudicator find in my favour. Barclays appealed.

I was asked to send in paperwork to prove I had what I claim I had. I did. A THIRD adjudicator appears to have decided they didn't want to make a decision and it's now been passed forward to the ombudsman.

I guess all I can do is wait and wait.......

CurlyTop

Well further to my earlier posting, although there's still time in the day, I think I've been let down by Barclays again. No call received. I took my mobile everywhere with me today (make for odd shaped boobies whilst I carried it in my bra) but nada, zip, nothing. Just tried ringing and got the run around again.

Am gonna have to go into the branch. Aaaaagh

westie11

Well after my complaint being rejected as it was a postal application and apparently I ticked the box plus apparently I qualified for ppi. I wrote back arguing my case. Just phoned for an update (again) and they have sent me a letter upholding my claim :-) Just goes to show that even though they reject your claim dont give up. Happy days