PPI Reclaiming successes and failures

di3004

angies34 wrote: »

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!!

Your welcome angie.;)

Lloyds are not the easiest to deal with, I have experience with these as well, was successful in the end, but through the FOS.
Best thing to do is not give up, and keep on at them.:D

However, recently I have been reading some threads where Lloyds are finally paying out directly, so let's hope it will be the same for you, to save going as far as the FOS. Fingers crossed X

broncos347

What I was Claimiing: Credit Card PPI
Who was the provider?: Capital One
How much did I get: £917.52
:j

di3004

broncos347 wrote: »

What I was Claimiing: Credit Card PPI
Who was the provider?: Capital One
How much did I get: £917.52
:j

Congratulations and well done on your success.
:beer::T:beer:

jadest

maxdp wrote: »

Hi Jadest not seen you on here for a while, or have I missed you? Nice to see you anyway.:D

Ah thank you have been on we must have missed... Nice to see you again too....:dance::dance::dance::dance:

big_al_1981

maxdp wrote: »

Hi Big al
Just make sure that when you write to them you make it clear that this was a refinanced loan as it will make a difference because the PPI on the first loan would have influenced the second loan.

thanks for that max,wil do that,although im not all that clear with how can the ppi influence the second loan,please explain and how it wil make a difference,thanks for ur advice.

maxdp

big_al_1981 wrote: »

thanks for that max,wil do that,although im not all that clear with how can the ppi influence the second loan,please explain and how it wil make a difference,thanks for ur advice.

Because when they sorted out the settlement figures for one loan you would have paid PPI already, although they would probably have refunded you a small portion so for example if you paid 1000, PPI on the first loan when you go to refinance that 1000. is carried forward onto the second loan so you would have had to borrow more, pay more interest, and pay more PPI because of the size of the loan. Do you see what I mean

Aggy_2

Am so happy I could break out into song...after more than a year of arguing back and forth with Lloyds TSB I finally have a settlement....I nearly cried this morning when I opened the post.

They offered me £2449 as the first settlement which seemed very low for the amount I had paid so I challenged it and the ombudsmen agreed with me that it didn't seem right. So Lloyds have taken another look at it and today I recieved a letter with a new settlement figure not including the original amount I had already recieved.

I get a further £1300 paid into my bank account with another £1000 deducted from the loan I took out to when I cancelled the original loan with PPI which means I get even more off if I understand it correctly.

Have been singing always look on the bright side of life most of the day....

If anyone wants any help with lloyds tsb reclaims I now consider myself a harden veteran willing to share my knowledge.

di3004

Aggy wrote: »

Am so happy I could break out into song...after more than a year of arguing back and forth with Lloyds TSB I finally have a settlement....I nearly cried this morning when I opened the post.

They offered me £2449 as the first settlement which seemed very low for the amount I had paid so I challenged it and the ombudsmen agreed with me that it didn't seem right. So Lloyds have taken another look at it and today I recieved a letter with a new settlement figure not including the original amount I had already recieved.

I get a further £1300 paid into my bank account with another £1000 deducted from the loan I took out to when I cancelled the original loan with PPI which means I get even more off if I understand it correctly.

Have been singing always look on the bright side of life most of the day....

If anyone wants any help with lloyds tsb reclaims I now consider myself a harden veteran willing to share my knowledge.

Aggy wow, a very well done, so pleased for you and singing for you as well.:D:j:T:beer:XXX

amersall

broncos347 wrote: »

What I was Claimiing: Credit Card PPI
Who was the provider?: Capital One
How much did I get: £917.52
:j

well done, congrats!!

amersall

Aggy wrote: »

Am so happy I could break out into song...after more than a year of arguing back and forth with Lloyds TSB I finally have a settlement....I nearly cried this morning when I opened the post.

They offered me £2449 as the first settlement which seemed very low for the amount I had paid so I challenged it and the ombudsmen agreed with me that it didn't seem right. So Lloyds have taken another look at it and today I recieved a letter with a new settlement figure not including the original amount I had already recieved.

I get a further £1300 paid into my bank account with another £1000 deducted from the loan I took out to when I cancelled the original loan with PPI which means I get even more off if I understand it correctly.

Have been singing always look on the bright side of life most of the day....

If anyone wants any help with lloyds tsb reclaims I now consider myself a harden veteran willing to share my knowledge.

thats excellent news.well done