PPI Reclaiming successes and failures

happy_days_5-2

I have 2 loans with Lloyds TSB, both finishing next year and both with PPI. The first loan was taken out in 2003 and was re-financed 2004. When re-financing (over the phone) I did enquire about not having the PPi but felt pressured into taking it. On the second loan (wasn't able to re-finance other loan so had to take out another) I again felt pressured to take the PPI, especially after the conversation from the last loan! Even though i was aware of the PPI am I eligible to reclaim on the grounds that I was pressured into taking it? Also, what effect does it have on the existing loans?

daynurse

had a phone call this am from first plus THEY ARE PAYING THE WHOLE OF THE POLICY BACK £6911.83P TO ME .....DIRECT....BY CHEQUE..PLUS THE 1,133 THATS BEEN TAKEN OFF THE LOAN!!!!! CAN YOU BELIEVE THAT
:j :j :j :beer: :T :T :T :j :j :j :j
SO SEND YOUR FORMS TO THE OMBUDSMAN FOLKS MAYBE JUST THE THOUGHT OF THEM GETTING INVOLVED IS ENOUGH WHO CARES!!!!!!!!THERE PAYING UP EMAILED ACCEPTANCE CANT BELIEVE IT THOUGHT IT WOULD GO ON FOR MONTHS
YIPEE.........
thankyou martin you are a star

nova

daynurse wrote: »

had a phone call this am from first plus THEY ARE PAYING THE WHOLE OF THE POLICY BACK £6911.83P TO ME .....DIRECT....BY CHEQUE..PLUS THE 1,133 THATS BEEN TAKEN OFF THE LOAN!!!!! CAN YOU BELIEVE THAT
:j :j :j :beer: :T :T :T :j :j :j :j
SO SEND YOUR FORMS TO THE OMBUDSMAN FOLKS MAYBE JUST THE THOUGHT OF THEM GETTING INVOLVED IS ENOUGH WHO CARES!!!!!!!!THERE PAYING UP EMAILED ACCEPTANCE CANT BELIEVE IT THOUGHT IT WOULD GO ON FOR MONTHS
YIPEE.........
thankyou martin you are a star

That's fantastic, Well Done You, lm waiting to hear from NW any day now,their time limit's nearly up!! l bet all these companies are really pee'd off with us lot!!!!!
nova.

wildanna

[got forms from onbudsman today hfc bank who got fined in jan 08 said not mis sold been goin on since november bit nervous havent done this before any advice daynurse:mad:

wiz_2

had a letter from first plus today containing a cheq for £19,560.32., in settlement of my complaint that i had been mis sold PPI. i can,t believe it. i can only say a massive thank you to Martin and this site for all the advice on how to claim in the first place, and to think when i recieved the letter from first plus saying they didnt think i had been mis sold, i nearly didnt write to the ombudsman cos i thought they would turn me down too. so anyone out there who is having second thoughts about complaining, get on with it straight away, you have nothing to lose and all to gain. i,m over the moon. thanks again Martin. xx

daynurse

wildanna wrote: »

[got forms from onbudsman today hfc bank who got fined in jan 08 said not mis sold been goin on since november bit nervous havent done this before any advice daynurse:mad:

fill them out you have nothing to loose i sent 3 letters to first plus then sent the forms i dont think the ombudsman will have looked at them yet either!! and then they paid upgood luck

thekings7

:j Hi thanks to using template letter my husband managed to get £2600 from Clydesdale bank.Give it a go :T

frankie8_2

Hi all. I have today called St Andrews who are the insurance co who are dealing with my MBNA CLAIM and they have told me that I am unable to claim so now I have drafted a letter to MBNA asking them to pay up as I have been mis sold my PPI. Do you think they will pay up.....NO NO NO

nova

frankie8 wrote: »

Hi all. I have today called St Andrews who are the insurance co who are dealing with my MBNA CLAIM and they have told me that I am unable to claim so now I have drafted a letter to MBNA asking them to pay up as I have been mis sold my PPI. Do you think they will pay up.....NO NO NO

Well basically they cant have it both ways can they? either you're not eligable to claim therefore the right questions were not asked in the first place or you were'nt mis sold therefore they have to honour your claim! my claim is with the FOS.
Good Luck.

emma678_2

say you want to escalate the claim internally thats what i did and they offered me 78% back as a good will gesture