PPI Reclaiming successes and failures

amersall

dby47 wrote: »

I just have to tell someone what happened to me and HFC.

Read Martin Lewis's Newspaper Article (News of the World 28/12/2008).

Sent my two letters to HFC and got the anticipated reply in that it was all my fault and clear off.

Then a letter to FOS in March 2009.

Just got home today and FOS has written saying HFC want to make a no liability offer to settle my PPI claim on a HFC loan account opened over 10 years ago with PPI payed each month.

I have got no idea what i am going to get back - suspect its the PPI payments plus 8% interest simple per year.

Not a bad return for 3 letters and stamps.

Thanks Martin for exposing this rip off - I will be more cautious in future and question everything.

Den.

well done to you!!

amersall

mrsdarbs wrote: »

Egg Loan
Repaid over £1100

All it took was one letter to say that the insurance had not been requested. Got the full amount back with interest today with their first reply - took about 2 weeks!!

excellent result!

tina1981

big_al_1981 wrote: »

hey tina,
that has helped me alot and got me thinking,thank you,my lastest loan was taken out in october 2007 and nothing was mentioned about ppi then,however they wil mention it now,the !!!!!!!s,lol,how much r ur monthly repayments now u hav cancelled ur ppi,im dying 2 find out how much i hav/and am stil paying,so hav u sent off a template letter saying u were mis sold these loans and u want ur money back from all ppi payments,that is the first thing im going 2 do when i get my agreements thru the post,u wil hav 2 keep us informed of how ur getting on and 2gether we wil get each other thru this.c ya later and thanks again.xxxxxx:rotfl:


just thought it was cool we both hav r year of birth in r username,1981,lol,im tired.xxx

I now pay around £277 per month not including PPI. For the first time the PPI had came off on a separate transaction whereas with all my other loans it all came off in the one payment.

I sent a letter off yesterday to try and claim the ppis back. It's just a waiting game now.

Tina x

angies34

Hi all!
I sent a letter to LTSB because of the massive amount of extra we are paying and believe we were mis-sold the insurance.A week later and we received a copy of our letter and their short letter saying we dont have insurance so that is the end of the matter!!! I have the agreement that says we have it so how could they not have a record of it or are they just trying it on? Can anyone advise me? I am thinking i need to send the same letter back and an extra letter explaining that we do have insurance and then a photocopy of the agreement. Your thoughts would be appreciated Angie:o

di3004

angies34 wrote: »

Hi all!
I sent a letter to LTSB because of the massive amount of extra we are paying and believe we were mis-sold the insurance.A week later and we received a copy of our letter and their short letter saying we dont have insurance so that is the end of the matter!!! I have the agreement that says we have it so how could they not have a record of it or are they just trying it on? Can anyone advise me? I am thinking i need to send the same letter back and an extra letter explaining that we do have insurance and then a photocopy of the agreement. Your thoughts would be appreciated Angie:o

Hi Angie

That is odd.

If you do have the agreement which confirms this then yes photocopy it and send it back with a letter to prove this and tell them to continue with your complaint as requested - as from the date you first sent your original letter in, even if you have to send a copy of your original letter.

I take it you do have the agreement do you?

angies34

HI!!

Yes i have the agreement and the amount on the agreement includes PPI. This amounts to £141 a month,which is what we pay each month.So we are definately paying it!

di3004

angies34 wrote: »

HI!!

Yes i have the agreement and the amount on the agreement includes PPI. This amounts to £141 a month,which is what we pay each month.So we are definately paying it!

Hi Angie

They defo messed up here somewhere, so yes write back with a photocopy, any problems then move on to the FOS, keep us updated.;)

angies34

We consolidated our loan 2 yrs ago and were paying the previous loan 3 yrs b4 that,but hubby in his tidying up wisdom threw the original paperwork out,although as i said we have the current paperwork.I want to claim from the original loan too so can i request the paperwork from our bank? Can i also say this website is fab and thank-you to all those wise ladies and gents that give advice to people like me!!!

di3004

angies34 wrote: »

We consolidated our loan 2 yrs ago and were paying the previous loan 3 yrs b4 that,but hubby in his tidying up wisdom threw the original paperwork out,although as i said we have the current paperwork.I want to claim from the original loan too so can i request the paperwork from our bank? Can i also say this website is fab and thank-you to all those wise ladies and gents that give advice to people like me!!!

I agree it is a fantastic site, when I first joined up, it was me asking all the questions lol, and everyone on here are so amazing, and have also helped me big time.;)

Angie there is a way you can request for all your information, it is called a Subject Access Request (SAR), they have 40 days to comply, to send you all the information on your account as requested on the SAR template going back as far as 6 years, with mine I was lucky to have been given details going back even at earlier years.
However there is a £10 charge on this payable by postal order of cheque payment, and best as well to post by recorded delivery, this is your proof of posting.
Here is the link to the SAR template letter and send it to Lloyds tsb data dept.
http://forums.moneysavingexpert.com/showthread.html?t=1475553
Address here:

Copy Statement Unit
Lloyds TSB plc
Swallow House
10 Swallow Street
Birmingham
B1 2AL

You will find further address and of lloyds tsb on this thread here:
http://forums.moneysavingexpert.com/showthread.html?t=1619943

Good luck Angie and post up for help whenever you require this.;)

angies34

Many thanks thats really helpful:T I will keep you updated! From what i have read from others, Lloyds are the most stubborn when it comes to admitting liability.So here goes!!