PPI Reclaiming successes and failures

ian31070

hi sent off a letter to Yorkshire bank about missold ppi on 3 loans from 1992-1995 and received a questionnaire to fill in.This was in November have had a few letters inbetween telling me there busy but will resolved cases by end of summer wondering if any one else has had this problem also does it mean I have paided ppi if they sent out the questionnaire to fill in, also got a phone call from Yorkshire asking if I would be prepared to go into a branch to prove my identity ???

ian31070

Took out a loan in 1992 with Lloyds but have no paperwork for it.Rang them to ask if I had payed ppi on the loan but they had no details for me,ithen sent off for a dsar but this came back with a reply that they could not find any details for me is this the end of the road or is there anything else I could do ??

dunstonh

ian31070 wrote: »

Took out a loan in 1992 with Lloyds but have no paperwork for it.Rang them to ask if I had payed ppi on the loan but they had no details for me,ithen sent off for a dsar but this came back with a reply that they could not find any details for me is this the end of the road or is there anything else I could do ??

its the end if you yourself do not have any info.

jamesperrett

In my experience, Lloyds have no records before about 1994. Even if you have all the documentation, it is still a struggle to get them to acknowledge any issues with their older loans and the Ombudsman's help was vital in my case.

lboro100

The 4th success for me ..

After RBS,MBNA,RBS ....totalling around £8k ( all done by filling in the template document available on this site)

This Tims around was a post redirection letter saying that MBNA asked me so talk about an loan account from 2006.

without doing anything but fill in a form I have just got £1082.66 a different rate from a credit card PPI (this was explained by MBNA)

Happy.


Less HMRC ... £1002.15

Lovely.

Time to move on

fairynuff27

Utterly delighted. After years of seeing the PPI reclaims going on and not being sure whether I qualified, I logged into my Barclaycard account and used their form to put in a claim. A week later I received a letter asking me how I would like to be paid were my claim successful, and a week after that, a letter telling me that £9338.06 would be paid into my bank account within 10 days! Enough to wipe out ALL of my outstanding debts and still leave a nice lump sum to go into savings. I'm off to dig out my store card details now, to see if GE Money owe me too...

Thank you, thank you, thank you MSE :rotfl::j:rotfl:

Dunree

Hi Guys,


I've received a cheque for just under£7K from Lloyds TSB for PPI going back to the early 90's.


I'm a bit puzzled though.


The claim for PPI refund was on 7 loans that I had back then. I got myself into a lot of money troubles, and was encouraged by the old TSB to borrow my way out of it, which I duly did. But, as you'd expect, everything came to a head and I ended up on a DMP.


Now the reason I'm puzzled is that they have upheld the PPI claim on some loans and paid out, but not on the others, even though the circumstances were the exact same for all of them.


My question is, should I complain about the defended ones, even though I've already banked the cheque?


The cheque arrived before I received the reasons and logic behind the pay out.


Regards,


Dunree

dunstonh

Now the reason I'm puzzled is that they have upheld the PPI claim on some loans and paid out, but not on the others, even though the circumstances were the exact same for all of them.

Maybe the others were not included in the chain of loans (gaps between them). Or maybe you failed to pay the full debt and they are offsetting some of the redress.

Its unlikely the same person sold you PPI the same way multiple times over many years.

Dunree

dunstonh wrote: »

Maybe the others were not included in the chain of loans (gaps between them). Or maybe you failed to pay the full debt and they are offsetting some of the redress.

Its unlikely the same person sold you PPI the same way multiple times over many years.

That would make sense as I did a partial settlement with them.


Thanks for that dunstonh

javorb

just received my offer from ltsb ,claim upheld and now received my offer ,they said they have no records of my loan so have offerered me £133,i have asked how they got to that figure,what can i do ?