PPI Reclaiming successes and failures

glebe11

Hi could not believe it letter in the post offering £1364.00 for miss sold ppi again like other people on this forum thanks to martin and his team it only took 3 months GREAT:money:

di3004

glebe11 wrote: »

Hi could not believe it letter in the post offering £1364.00 for miss sold ppi again like other people on this forum thanks to martin and his team it only took 3 months GREAT:money:

Congratulations :beer::T:beer:
Well done to you.:j:j

mlucyminx

traceyaskham wrote: »

What: PPI insurance
Who: Barclays
How much: £6159 plus 8% interest plus £200 for distress
Letter or Ombudman: Ombusman

After reading an article in the Sunday Times November 2007 regarding PPI mis-selling, I asked my partner if he had this type of insurance on his Barclayloan that he took out in August 2001, way before I met him. He had no idea what PPI was, or even if he had it. Being an avid money saver myself, we investigated.
Turns out that yes, he had been paying a single premium PPI of £4246 (plus £1942 interest) on a £15000 loan and he hadn't realised. My partner works for the NHS who have a very generous sickness payment scheme and I thought if he realised what PPI was at the time, he would not have wanted or needed it. We read Martin's advice regarding potential PPI misselling on this website and downloaded the template letters to send of to Barclays.

23 Nov 2007; Letter to Barclays claiming misselling and requesting refund.
3 Dec 2007; Reply saying they will look into our concerns.
21 Dec 2007; Another reply, still looking.
15 Jan 2008; Fob off letter, "postponing complaint..outside 6 years...sorry you feel that way...get more info from FOS..blah blah"
Jan 2008; Sent template letter to Ombudman.

We had regular (monthly to begin with, then 6 monthly) update letters from FSO who were very busy and it wasn't until 22 April 2009 that the case was finally given to an adjucator.
In May 2009, the adjudicator wrote saying he found in our favour, and that Barclays had missold the policy, as they should have pointed out it's limitations for an NHS employee. He stated that Barclays would be informed of his conclusions.
Barclays did not agree with him, so the case went across to the Ombudman himself.
One month later, 22 May 2009 (last Friday), the Ombudman made his final decision. He also found in our favour, wrote Barclays a stinging letter regarding their temerity in disagreeing with his adjudicator, and "requires Barclays" to pay up, with 8% interest and £200 distress money.

HOW GOOD IS THAT!!:j

It has taken 19 months from 1st writing to Barclays to get the Ombudsman's decision.

Many thanks to Martin and everyone else here for their advice. To everyone else waiting for a decision on their claims, just hang in there and good luck.

Congratulatins on your win.

You don't know how glad I am to read this post. I have a similar complaint with fos. Been with them since may last year and barclays argued the same points with me only its ppi on credit card. May have to wait a bit longer although my case been with adjudicator for months but this gives me hope. Once again well done.

di3004

mlucyminx wrote: »

Congratulatins on your win.

You don't know how glad I am to read this post. I have a similar complaint with fos. Been with them since may last year and barclays argued the same points with me only its ppi on credit card. May have to wait a bit longer although my case been with adjudicator for months but this gives me hope. Once again well done.

Hope you hear soon of yours, fingers crossed to you.;)

Vain_2

Well after 6 months homeless after selling house to pay debts and the FOS got £8873.00 in relation to central trust plc am overjoyed and thank this forum and the members for there help

di3004

Vain wrote: »

Well after 6 months homeless after selling house to pay debts and the FOS got £8873.00 in relation to central trust plc am overjoyed and thank this forum and the members for there help

Hi Vain

Sorry to hear of being homeless, not a nice situation to be in is it?
And soooooooooo pleased you have this good news, you deserve this so much, well done to you, Congratulations.:beer::T:beer:

Vain_2

Cheers di were renting now so were at least debt free so thats a plus but its like starting all over again but its fab news thank you

pinknico

Vain wrote: »

Well after 6 months homeless after selling house to pay debts and the FOS got £8873.00 in relation to central trust plc am overjoyed and thank this forum and the members for there help

Really pleased you got a result with these, mine was not within the FOS juristiction so really glad you got them to pay out!:D

di3004

Vain wrote: »

Cheers di were renting now so were at least debt free so thats a plus but its like starting all over again but its fab news thank you

So good to hear your back on your feet again - a nice fresh start, so pleased for you.:T:beer:

amersall

:j:jcongrats to all todays winners:j:j:D:D:D:money: