PPI Reclaiming successes and failures

[Deleted User]

GTX1080user wrote: »

my aunt is a solicitor

Which beggars the question of why you didn't simply seek her assistance with your PPI complaint?

I think you'll find you've signed a legally-binding contract for this firm to represent you in PPI complaints.

You can't just break that contract by citing the time it's taking.

You'll have to send them a formal complaint and allow them eight weeks to consider it. Only then can you refer your case to the Legal Ombudsman. Court would be a very extreme option, which is likely to cost you money.

I don't know why you are asking for recommendations of other firms, they are all as bad as each other charging for using a complaint process that is both simple and free.

-taff

There are no reputable Claims companies. They will all take a massive percentage of any successful complaint because people don't do their own research and reslise it's a free complaints process.

I'm still wondering why on earth you read all these reviews, had suspicions about them, but used them anyway.

[Deleted User]

-taff wrote: »

I'm still wondering why on earth you read all these reviews, had suspicions about them, but used them anyway.

Pretty obviously swayed by how "cheap" they were:

GTX1080user wrote: »

I found one which was offering just "10%" charge from the overall money they claim back for you and I was like Wow!

GTX1080user

Thanks guys for your time and replies! Ok I ran out of time trying to find a decent one, So I took a gamble and its failed in my opinion, I have sent them a screen shot stating I want to pull out due to their lack of professionalism and the time its taking, Im sick of waking up and having emails from them asking the SAME things? Yes the money they charge well the percentage made me sway as you say " There are no reputable Claims companies" So I had to take one and sure as heck wasnt going to be a 40% one when I can get a 10% one thats just logic?

I know as you kindly stated Taff i could of done my own research but I have heard banks are lapsy daisy with private claims? Also I dont really have the time to keep forwarding emails I expected to just send everything and it takes form...Obviously this wasnt the case? Bare in mind you guys have a vast amount of knowledge of all this I have none and so it shows...Thanks once again much Appreciated!

[Deleted User]

GTX1080user wrote: »

I know as you kindly stated Taff i could of done my own research but I have heard banks are lapsy daisy with private claims?

I suspect you mean lackadaisical, and no, they're not.

GTX1080user

ZX81 Nope I meant Lapsy Daisy! & yes it would seem they are...Unless you have something to add that I dont know? I am always open to learning :-) BTW thanks for your comment.

Lastly can I kindly ask you all, HBOS are saying they cannot find me on their system, I have handed over crystal clear images of my account number sort code and even scanned images of the credit card I have still also a scanned letter from them when the account was active showing the details, This account was active only 9 years ago? Is this a coincidence they "Ahum" Cant find me?

Best Wishes.

[Deleted User]

GTX1080user wrote: »

HBOS are saying they cannot find me on their system,

Well, if that's the case, your CMC problems are the least of your worries.

"Only" nine years ago is around three years longer than Banks routinely keep records.

Sorry.

-taff

To see what records they have got left you send a SAR and £10 - there's an example in the stickies - be aware though, there may be nothing

sharonmaria13

Not a happy ending here - I set about a PPI claim to get my son a £20 'refer a friend' voucher after he had a successful PPI claim.
I have NEVER taken PPI - I even worked at the Halifax in the late '90's so knew the operation score, but was persuaded that even though I would not have a successful claim, my son would still get his £20.
Imagine my surprise, that among all the loans, credit cards and mortgages I had during the 90's and 00's there was a mortgage with PPI - didn't have a clue!!The
The Halifax rejected the claim, we appealed but were rejected again.
This was a 'guarantor' mortgage, where my parents pledged (legally binding documentation) to meet payments where I could not. Luckily, my Father never throws anything away, and we have a solicitor letter which explain the terms of the agreement.
Why then, if I had a guarantor - would I need PPI?
After appeal, The Ombudsman decided that 'they felt that I would not want to put my parents in that position, so therefore would have found the policy useful' !!
Absolutely outrageous!!
This claim was rejected about 18 months ago.
Have I anywhere left to go?

[Deleted User]

sharonmaria13 wrote: »

Why then, if I had a guarantor - would I need PPI?

Probably because most right thinking people would not regard their guarantor as a more appropriate payment option than an insurance company.

You were rightfully rejected IMHO.

If anything, having a guarantor indicated that you in fact had greater need of the insurance, not less.

sharonmaria13 wrote: »

This claim was rejected about 18 months ago.
Have I anywhere left to go?

No.

Your complaint ended eighteen months ago, but it had no validity anyhow.