PPI Reclaiming successes and failures

GirlRacer_2

Hi Guys, another success for me with Capital One. Account closed about 4 years ago but had a full refund of PPI totalling £49.38. Not amassive amount but refunded all the same

di3004

kell8044 wrote: »

I only had to write one letter to Alliance and Leicester and although it took them two months to investigate I have just recieved a letter saying they are going to repay me £1300 which includes interest on the amount I have paid! I brought my loan online so didnt actually expect to get anything back, but they deemed I didnt get enough information about the PPI. It was so worth sending the letter! Oh and they are also reducing my monthly payments by £40 by taking the PPI off! Thank you Martin!

Well done and Congratulations.
:beer::T:beer:

di3004

big_al_1981 wrote: »

hi,
wondering if anyone can help me,i sent off my request 4 copys of my old and stil current loan agreements on the 7th july last month,i stil havnt recieived these and i know it states that they hav 40 days to reply but surely i wud of received them by now????
my loans were with welcome finance,which ended in 2004,a rbos loan which i dont think i wil hav success with as this ended in 2001-2002, and finally my 3 loans with lloyds,2 of which hav ended in 2006 and the other is stil current,i was paying ppi on all these as i was told i needed it 4 the loan and wudnt get it otherwise,also when i eventually get these agreements thru is there a way of calculating the ppi paid or does the bank just calculate that 4 u?????
any advice or help wud b greatly appreciated.

Hi there,

I would chase them up and ask when should you be expecting to receive your documents?

You can still continue to reclaim on the PPI if you know you had this whilst waiting for your paperwork, as you do not have to write the figures down on the reclaiming letters.;)
If you need any help in reclaiming post up to let us know.
Good luck.

dby47

Hiya All

Just a quick update - Today got my settlement agreed with HFC and they are going to settle at £12.5k (thats about 4K ppi premiums, 6K interest and another 2.5k 8% interest).

I was expecting something between 6-8K so I am absolutely over the moon and walking on cloud nine at the moment.

Den


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.

big_al_1981

di3004 wrote: »

Hi there,

I would chase them up and ask when should you be expecting to receive your documents?

You can still continue to reclaim on the PPI if you know you had this whilst waiting for your paperwork, as you do not have to write the figures down on the reclaiming letters.;)
If you need any help in reclaiming post up to let us know.
Good luck.

thanks 4 that di,i definately had ppi with every loan ive had,even the loan ive got now ive got ppi,and as soon as the paperwork cums thru im going 2 cancel this,however u got me thinking now as didnt know i cud carry on with my claims without paperwork,i just looked at the templates on this site and it doesnt say to refund so much just that they wil calculate this and refund anyway,thats rite isnt it,so if i send these off 2 the companys involved stating mis-selling i should b ok with that shouldnt i di??
thank you 4 helping me.x

joe_soap_2

hi all
got a letter from halifax today saying they were upholding my claim on 4 loans, they will contact me within a month to tell me how much they going to pay back.they aslo said if i have any arrears they will stop it out the payment and send me a cheque for the remainder. question is that i have a loan with them but no arrears so they should send me the full amount thats the way i read it.
thanks to you all i would of never done this without this site

di3004

big_al_1981 wrote: »

thanks 4 that di,i definately had ppi with every loan ive had,even the loan ive got now ive got ppi,and as soon as the paperwork cums thru im going 2 cancel this,however u got me thinking now as didnt know i cud carry on with my claims without paperwork,i just looked at the templates on this site and it doesnt say to refund so much just that they wil calculate this and refund anyway,thats rite isnt it,so if i send these off 2 the companys involved stating mis-selling i should b ok with that shouldnt i di??
thank you 4 helping me.x

Your welcome.;)

That should be fine and sometimes with your first letter of complaint they send a copy of your agreement free of charge as well, good luck and please keep us posted.;)X

di3004

joe_soap wrote: »

hi all
got a letter from halifax today saying they were upholding my claim on 4 loans, they will contact me within a month to tell me how much they going to pay back.they aslo said if i have any arrears they will stop it out the payment and send me a cheque for the remainder. question is that i have a loan with them but no arrears so they should send me the full amount thats the way i read it.
thanks to you all i would of never done this without this site

Hi there joe_soap.;)
Brilliant, that is wonderful news.
Congratulations.
:beer::T:beer:
As you had 4 loans with them and they are refunding you, I take it they should definately refund directly to you the settled loans, I am aware these banks have their own way, but you can always make sure with them as well.
Good luck X;)

joe_soap_2

i sent in and wanted a sar, that came , i then sent the letter to them and waited 8 weeks they never even responded,so i then sent the second template and within 14 days this is what i got back, really happy just need to wait for the cheque now .. thanks again anyone who is doing this dont give up you will win in the end

di3004

dby47 wrote: »

Hiya All

Just a quick update - Today got my settlement agreed with HFC and they are going to settle at £12.5k (thats about 4K ppi premiums, 6K interest and another 2.5k 8% interest).

I was expecting something between 6-8K so I am absolutely over the moon and walking on cloud nine at the moment.

Den


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.

Den, wow, absolutely fantastic, so pleased for you.
Congratulations.
:beer::T:beer: