PPI Reclaiming successes and failures

arthurdick

tommy44 wrote: »

Well done Josom.:beer:

Arthurdick you make me laugh:rotfl::rotfl::rotfl:

ha ha tommy, its the only way I can be....if i take it all too seriously, then i will get depressed by it all .......gotta have a giggle and in the meantime hope that i will get weighed out ...im treating it like money that aint in my hands but could be if i keep on annoying the banks ...ok, it costs me around a quid or two for the stamps, but in my last 2 claims, i think i used around 4 1st class stamps and got a return of over 2grand....that aint bad going.....;).... so for me, its who dares wins, but either way, i aint gonna let these banks get me down and stress me out..im here for fun a winning is a bonus .........

good luck too for big al....;)...go get them m8....hope you beat them

di3004

big_al_1981 wrote: »

hi everyone,
just wondered if anyone can help me,ive posted my ppi templates 2day 2 my 2 local banks who i had/hav loans with and just asking them 4 my original loan agreements,when i get these back and calculate the ppi which i hav been mis sold where do i send the next template asking 4 my ppi back,is it back at my local branch or do these banks hav a head office where u send it 2,if anyone can help that wud b gr8,also claiming back my bank charges from 2001,sending these templates off at the weekend asking 4 the list of all charges,wish me luck and wil keep u all posted,we shud all stick 2gether against these banks who hav been robbing us 4 2 long.

Hi there

Good luck with this.

First of all if you have no agreement, write to them and enclose a £ postal order or cheque payment for this request, they should supply by 12 days.
Ask them to send you a true copy of the CCA.
Post by recorded delivery.

If they have a data department then post to that section.

When it comes to reclaiming, if they have a complaints dept then you write to them by giving them 8 weeks in full to respond.

You post by recorded delivery, and if check it out on the Royal mail website for Tracking, this is also your proof of posting.

If you hear nothing by 8 weeks, contact the financial ombudsman service (FOS), if they send a response but have not resolved it in your favour then they will let you know if you can write back to them with further information, they should also give you details of the FOS by the final letter as well.

Even though there are templates for this, you can use them if you want, or use your own words, and obviously write your own reasons for why you believe you were mis sold.
If you don't mind me asking but who are the banks?

Cheers.;)

tony_paine

Many thanks to Martin.
Last year I used your template to try reclaiming PPI on my MBNA credit card. I am a self employed window cleaner.After their thorough investigation, they informed me I did not qualify and the matter was closed.
Eight months later I heard Martin on GMTV say this was the usual response, don't give up, contact the Financial Ombudsman. So I did. This morning I received a letter telling me they were repaying £1424.94 plus £600.91 in interest.
I also used your template for unfair charges and got back £500 from Capitol One for my son.
Templates are on the way to Barclaycard, Capitol One,Goldfish, Halifax and Virgin, for myself my son and my Mother-in-law.
Our success is thanks to you

Tony

di3004

tony_paine wrote: »

Many thanks to Martin.
Last year I used your template to try reclaiming PPI on my MBNA credit card. I am a self employed window cleaner.After their thorough investigation, they informed me I did not qualify and the matter was closed.
Eight months later I heard Martin on GMTV say this was the usual response, don't give up, contact the Financial Ombudsman. So I did. This morning I received a letter telling me they were repaying £1424.94 plus £600.91 in interest.
I also used your template for unfair charges and got back £500 from Capitol One for my son.
Templates are on the way to Barclaycard, Capitol One,Goldfish, Halifax and Virgin, for myself my son and my Mother-in-law.
Our success is thanks to you

Tony

Well done for keeping this up Tony.:T:T
Congratulations.
:beer:

maxdp

tony_paine wrote: »

Many thanks to Martin.
Last year I used your template to try reclaiming PPI on my MBNA credit card. I am a self employed window cleaner.After their thorough investigation, they informed me I did not qualify and the matter was closed.
Eight months later I heard Martin on GMTV say this was the usual response, don't give up, contact the Financial Ombudsman. So I did. This morning I received a letter telling me they were repaying £1424.94 plus £600.91 in interest.
I also used your template for unfair charges and got back £500 from Capitol One for my son.
Templates are on the way to Barclaycard, Capitol One,Goldfish, Halifax and Virgin, for myself my son and my Mother-in-law.
Our success is thanks to you

Tony

Well done Tony

CardiffAntony

Success!! Alliance and Leicester have offered me £850 pound (which in fairness is about right)

Right, now waiting for First Plus, Natwest Credit Cards, Country Wide assured and the big one Natwest personal loans.

Thanks to this website for the template letter, much appreciated!!!!

di3004

CardiffAntony wrote: »

Success!! Alliance and Leicester have offered me £850 pound (which in fairness is about right)

Right, now waiting for First Plus, Natwest Credit Cards, Country Wide assured and the big one Natwest personal loans.

Thanks to this website for the template letter, much appreciated!!!!

Brilliant, Congratulations Antony
So pleased for you.:T:beer::T
Good luck with the others as well.;)

derbydebtor

• What were you reclaiming: Credit Card PPI
  
• Who was the provider: EGG
• How much did you get back: £226
• Did you get it back after a letter or did you go to the Financial Ombudsman: from 1st letter
  
• And then write your brief reclaim tale: Applied for my egg card whilst at university using the on-line application. Filled in the template letter off this site adding a specific that no mention of National Insurance Contributions was made and by reply (2 weeks after submitting claim)was informed full refund of charges and 8% statuary interest. I'm waiting to go to the bank and help pay for holiday.
  

di3004

derbydebtor wrote: »

• What were you reclaiming: Credit Card PPI
  
• Who was the provider: EGG
• How much did you get back: £226
• Did you get it back after a letter or did you go to the Financial Ombudsman: from 1st letter
  
• And then write your brief reclaim tale: Applied for my egg card whilst at university using the on-line application. Filled in the template letter off this site adding a specific that no mention of National Insurance Contributions was made and by reply (2 weeks after submitting claim)was informed full refund of charges and 8% statuary interest. I'm waiting to go to the bank and help pay for holiday.
  

Well done to you, great work.:T:beer::T

MojoTS

Have just received a letter from Halifax today offering me £2,500 refund of premiums paid - including interest!

The remaining element of the PPI loan has also been deducted from my outstanding loan meaning my monthly repayments are £50 lower!

This was after writing one letter of complaint a few weeks ago! I can't believe how quickly it has been sorted.

Thank you very much :j