PPI Reclaiming successes and failures

[Deleted User]

If you insist on using a claims company, you must expect it to be slow, expensive and unproductive.

That's the service you're paying for.

-taff

Just one more time for the broken record...
Claims companies charge you upwards of 30% for a 56p stamp.
They do nothing you can't do yourself and as you've found out, you do all the work yourself anyway.

Edd_Wiltshire

Hey All - Have just found this site and it looks to be a great forum.

I have previously claimed my PPI back from HSBC and it went through no problem.

However when i have tried on my Capital One credit card they sent me a scan of my original agreement for the PPI back to me - where shall i go from here?

Any advice would be brilliant.

Many thanks

Edward

[Deleted User]

Edd_Wiltshire wrote: »

However when i have tried on my Capital One credit card they sent me a scan of my original agreement for the PPI back to me - where shall i go from here?

If this scan was part of a detailed rejection of your complaint then your only option is to refer your complaint to the Ombudsman.

However, do note that the success (or failure) of one PPI complaint has no bearing on that of another.

What reason did you give for complaint?
If it was a generic reason which you found on some template then it's likely that the Bank have included the scan of your Agreement because it disproves what you have alleged. In such instances, the Ombudsman is likely to rule in favour of the Bank.

Not all PPI was mis-sold.

Greyhound_One

Nationwide have yet to pay the PPI Plevin refund to me. In the official confirmation letter from Nationwide they clearly state that the awarded money would first be used to clear my Credit Card Balance (about £1k) and then the remainder would be sent as a cheque!! It also clearly stated all this would be within 10 working days of the date of the letter (17th October 2017).

So 10 working days pass and nothing, I call and chase Nationwide and basically got fobbed off with no actual reason as to the delay or indication if I would ever get the money. I asked if the remaining money could be placed directly into my Nationwide Current Account which I was told should be ok but I would have to speak to Credit Card services when the card is paid off.

I chased again on Tuesday and basically said this has to be sorted today and I want information and a full answer as to when payment will be made and refused to come off the line until someone had an answer. In fairness to the person I spoke to, he did agree to take it on as "his" issue and after quite some time on hold was advised that it might be in by late Tuesday PM of this week and would call back Weds morning if it was not, to update me.

The money didn't arrive, so Nationwide did phone me and advised it will likely be Thursday (Today)..... this morning arrives, still nothing. They call again and apologise and advise that it will most likely be Wednesday of next week that the Credit Card refund will take place but the remainder cannot be transferred directly to my Nationwide current account and thus has to be sent as a cheque which can take up to 2 weeks but they could not give any reason why this is!!

I am furious at this, Nationwide clearly stated in writing that it would be sorted within 10 days of the date on the letter acknowledging the amount to be repaid. They simply haven't kept to this and they cant give me a reason why it has to be a cheque. Utterly shambolic handling, I have made a full complaint and have been told someone will come back to me within 56 days!! If I was late on any sort of payment then they would soon be pressuring for payment and issuing penalty charges.

I've double checked all correspondence that Nationwide have sent me around the claims process and there is nothing to indicate any specific time frames for refunds (ie within 28 days etc). Also in all phone calls Nationwide have verbally acknowledged that they have breached the stated time frame in the letter and those agreed on the phone thus the 10 day agreement is accepted as being the stated time frame.

What is odd is that one of my other claims (HSBC) will pay directly to my bank account, none of this outdated cheque rubbish.

Anyone else had issue with Nationwide and getting agreed monies back?

[Deleted User]

Just accept that any delay in paying you will recompensed by interest continuing to accumulate until the day they actually pay you.

If the delay becomes more than a few weeks, you should escalate your concerns to the Ombudsman.

Mart2164

Hi, we are Happy PLEVIN Peeps, just received great news of a PLEVIN success. Previously refused and told nothing owed to us by Yorkshire Bank but just had notification of cheque in the post for a fabulous £2104.00 after using RESOLVER via MSE website/newsletter...
Thanks for taking the fight to them and all the money payed back to us and the many many others who've had our hard earned money repaid....:)
Just in time for Christmas shopping = BONUS !!

makinprogress

Ok, so I was absolutely 100% sure I’d never had PPI, as an employee at a Major Bank / Building society for 10 yrs, I always refused it!
As I read over & over the posts on MSE I thought, ‘what the heck’ & used Resolver! To two Banks. I received letters from both stating they couldn’t find any records of any accounts, could I provide further info? No, sadly I couldn’t. I thought that was the end of it.
Today I received a letter from HX, stating the Financial Ombudsman had notified them that I accepted their offer of £1223.00 of the upheld claim?
How did this happen? Stunned! Happily stunned!
Thank You MSE ! :j

JDmoonstar3

Good morning Martin,


I put in a claim for PPI a few years ago with Santander for mortgage protection insurance and life insurance, but it was rejected. I contacted the Ombudsman and again they informed me I could not claim anything.


I was made redundant and just after that Santander hiked up the mortgage protection insurance (I can't recall exact figures now), but from something like £25 or £30 a month to £50, which because I had not found long term work I could not afford, so cancelled my insurance and that of the Life Insurance. I also have no dependants and now feel that the Life Insurance I applied for was a big mistake!


I would like to try again, but do not know if I have any options left since it was already dismissed by the Ombudsman.


My mortgage is still with Santander and I also had a credit card with Virgin, debt of which I am still trying to repay, plus an overdraft from HSBC which I am not longer with and also struggling to pay, so to be able to get a successful claim would really help my financial situation.


Thank you in advance if you have any good advice that I can act on.

[Deleted User]

Life Insurance is not PPI and cannot be mis-sold (unless you are immortal )

The fact that you found you could not afford the insurance is not a valid complaint either.

In addition, you've already made a complaint about this in the past and the complaint process does not allow you multiple attempts at complaining about the same thing. If you do "complain", you'll just receive a terse reiteration of your original rejection and you will have no new access to the Ombudsman.

"Martin" sold this site some years back, he'll never read or respond to your post.