PPI Reclaiming successes and failures

Top-ranking_Bug

Thanks to this website advising me that time was running out to claim PPI and encouraging those of us who had previously been rejected to try again, I did so, 3 years after my initial claim!

Today (less than 3 weeks after I re-submitted my claim to Barclaycard) I received a cheque for £2073.71 - tax already deducted! I am over the moon and so grateful to this website.

I have also reapplied to Egg Card (via Barclaycard) so fingers crossed I will win this one as well!

So it was with great delight I was able to change my signature today (3 years on), and remove the note that showed that Barclaycard had rejected my claim.

Oh, and very well done @rsdiscos and @stephonice for your fantastic results as well! Hopefully both our stories will encourage other people to claim.

Meatloaf1981

Just been informed by the Ombudsman that my challenge to Barclaycard over the misselling of PPI on my Egg Credit Card from 2002 has been upheld and they will be writing to me with an offer within the next 8 weeks. I'm very pleased, albeit completely unaware of the possible amount they will be offering. The Ombudsman state it will be in line with Ombudsman principles, whatever that means!

Top-ranking_Bug

Meatloaf1981 wrote: »

Just been informed by the Ombudsman that my challenge to Barclaycard over the misselling of PPI on my Egg Credit Card from 2002 has been upheld and they will be writing to me with an offer within the next 8 weeks.

Ah that's good news for you and for me, because it may mean my challenge will also be upheld!

Well done!

[Deleted User]

Top-ranking_Bug wrote: »

Ah that's good news for you and for me, because it may mean my challenge will also be upheld!

It is unwise to compare your own complaint with those of others since every complaint is considered on it's own merits (or lack of them)
Regardless, good luck at the Ombudsman..

Top-ranking_Bug

Moneyineptitude wrote: »

It is unwise to compare your own complaint with those of others since every complaint is considered on it's own merits (or lack of them)
Regardless, good luck at the Ombudsman..

I completely agree, which is why I said "it may mean my challenge will also be upheld!"

susiejq

As a sole trader my husband had a business account with Lloyds from the late 80's to mid 90's. With the account he had an overdraft which he used to manage his cash flow and for which he paid a fixed monthly payment called "overdraft insurance". He couldn't have the overdraft without the insurance and although we had savings it made it easier to keep business and personal money separate. We weren't sure if this was the same as PPI and had no bank statements, policy details or cheque books left, but my nerdy little brain did remember the account number. He made a claim for misselling before Christmas and have heard today that his claim has been upheld and he will be receiving just under £4,000. No surprise that he's delighted.

vegas123

Well done! May I ask what date you put your claim in? I put a claim in with LLoyds, which was received on 3rd Dec. Said would hear by the 27th Jan.

susiejq

Claim went in on 30th November. He got a letter on 9th December acknowledging the complaint and explaining the process. He had a phone call just before Christmas confirming some details and he chased them today. There is a letter on its way written 8th Jan and a cheque will be issued within the next 28 days. They don't send money by BACS! Hope this is useful.

vegas123

Yes, thanks for that, susiejq,very helpful to know. I had acknowledgment letter and text on 3rd Dec but haven't had a phone call from them. Hopefully will hear something soon.

Chilli44

MARBLES say they don't hold paperwork and have rejected my ppi claim but they do accept that there was a ppi policy on my account.
I've referred to the financial ombudsman but wondered if anyone had a similar experience and what the outcome was and how long this might take.
thanks