PPI Reclaiming successes and failures

Unicorn77_2

Forgot to ask, has anyone had any success claiming back PPI from JD Williams? Thank you

[Deleted User]

Jalaba64 wrote: »

the 'Business' has asked for the 6 and 3 year rule to be considered which means my claim has been rejected as i should of raised the issue within 6 years of having PPI or within 3 years of knowing I had it.

Unfortunately, if there is a properly applied time-bar that's the end of your complaint. Pity it took FOS a year to come to that conclusion.

Incidentally, it's normal for the Ombudsman Service to refer to banks and building societies etc as "businesses", so there is nothing suspicious there.

1MCB

• What were you reclaiming: Loan
• Who was the provider: Lloyds
• How much did you get back: £2,670
• Did you get it back after a letter or did you go to the Financial Ombudsman: Letter
• And then write your brief reclaim tale:

I have to be honest, i'm one of those who didn't think I had PPI (or silly enough to agree to it), but i'd always had lots of loans. This was just a check after a friend got a pay out. Turns out I had PPI on a Graduate loan from 2001, which then folded into a second loan I took out to repay the first. The 2nd loan didn't have PPI, but the pay out was 80% from the 2nd loan...


I've subsequently gone through all my banking history and requested information from all financial institutions, and it turns out I had PPI with another bank loan, so am looking into that now.

Lloyds paid out very easily and quickly. I should add they sent two huge questionaires (one for loans, one for credit cards) but subsequently wrote to me saying I didn't have PPI on credit cards, but I did on my loan. I then got a call, and spent 10 minutes chatting to a lovely lady stating what I could recollect (very little - was honest throughout) - then a letter saying I had been missold PPI, and a refund. I feel lucky, as it was far less stress than I imagined.

TELLIT01

Reclaiming PPI on Lloyds & RBS (Mint) credit cards
Recovered approx £900 from Lloyds & £2100 from RBS
Completed on-line forms

I really didn't think I had any chance of reclaiming and wasn't even sure I had PPI on the cards. I haven't used a credit card for several years so didn't have any statements to check against.
I had previously considered putting a spec claim but the amount of info required at that time put me off. With the recent advertising campaign I had another look and gave it a go.
Received forms from RBS & Lloyds which were straightforward to complete - anything I didn't know I just said so. I received a phone call from Lloyds to check a couple of points, and saying that I didn't have PPI in the early days of the card but it had later been added. Asked if there was any reason I would have asked for it to be added. I had no reason to add it as I was in secure employment on the date given. I was told a decision would be made soon and received payment from them about a month ago.
RBS was slower, no phone contact but a few texts saying it was being investigated etc. Finally received a letter yesterday with a form to sign and return accepting £2.1k refund.
£3k for maybe a total of one hours effort is definitely a good return.
I would advise anybody who has had a credit card or loan to complete the forms and see what happens. You have nothing to lose.

Freebyman

I was going to shred an old loan agreement from back in 2003 with Abbey and just thought to myself have another read and saw I had PPI. Emailed santander and they didnt answer initially, complained via twitter that they didnt get back to me and had a cheque for over £600 in a week. Result! Still waiting on my Nationwide plevin claim though, probably only a few quid, but its all a bonus.

KittyHawk

I’m intrigued by the Nationwide one. Have no idea how it’s calculated, so don’t know what to expect: could be a couple of hundred; could be two and six. Supposed to hear by the 4th of December, but I’m not holding my breath.

blammo

I've received a letter from MBNA saying I'm entitled to a refund, although I'm having a hard time working out precisely how much they are going to refund!

The letter has the following figures:

Amount of applicable commission and profit share: £536.44
Total amount of fees refunded: £0.00
Amount of historic interest: £104.47
Applicable 8% gross interest :£584.94
Less UK withholding tax: -£116.99

So I'm not sure whether I'm due £536.44 or £584.94 or some other figure!

dunstonh

blammo wrote: »

I've received a letter from MBNA saying I'm entitled to a refund, although I'm having a hard time working out precisely how much they are going to refund!

The letter has the following figures:

Amount of applicable commission and profit share: £536.44
Total amount of fees refunded: £0.00
Amount of historic interest: £104.47
Applicable 8% gross interest :£584.94
Less UK withholding tax: -£116.99

So I'm not sure whether I'm due £536.44 or £584.94 or some other figure!

That is not a successful missale complaint outcome. That is a rejected missale complaint receiving a payout under the plevin ruling.

£1108 as you add them all up.

amkbaker

I thought I was too savvy to be charged PPI and could remember many years ago telephoning M & S credit card to cancel the payment protection charges, however, I having been having a clear out of old files and noticed PPI on a very old Barclaycard invoice (1995-2000) so I completed your Resolver reclaim form, wondering if there was much point and that if successful it would be piddly do any way. Today, to my utter astonishment and amazement, I received a cheque for £2,538.57 unbelivable, no hassle, applied 11th November, one telephone call from Barclaycard and...RESULT. Its going to be a great christmas. Thank you Resolver!!!

blammo

Oops my mistake, I thought I had posted in a thread about Plevin