PPI Reclaiming successes and failures

amersall

Sue_M wrote: »

:T
I tried reclaiming PPI on a loan I took out in 2003 with HFC Bank. I had nothing to loose and followed your advice and I sent the letters using your templates. I have now received an offer of £8314 (including interest)from the bank. The whole process took about 2 months and I didn't need to go to the ombudsman.
Thanks this has really helped. I am now following your advice regarding the bank charges.

:beer: congrats:j:j

amersall

goaliesmum wrote: »

• What were you reclaiming: PPI
• Who was the provider: Bank of Scotland
• How much did you get back: £4162( inc interest) to be confirmed
• Did you get it back after a letter or did you go to the Financial Ombudsman: 1st Letter

Wrote to BOS 29/09/09 claiming misselling on a loan taken out Jan 2003.

Received 2 holding letters, looking into complaint.

Today received a letter quoting my reasons and that they have considered the information available to them.

Having done so and in view of the fact I am a valued customer, they have decided to pay me an amount which will put me back in the position I would have been had I not taken the insurance.

They will contact me shortly to confirm the exact details of the amount that will be paid.

It is anticipated the payment will be made within the next month by cheque if an open account is not held.

They couldn't find details of my previous loan but I can ring them with the details and they will look into it.

:j This is such good news, not had much of it recently and means I can clear some silly little card debts and keep some by to treat son his gf and us to a hol for their 18th's next year.

Thanks everyone for the encouragement and advice received.
Keep on keeping on claimers :T


*****************************************************

Barclays due to reply by 23rd November

HSBC (hubbies) Inform us they are looking at claims older than his but will reply by 5th December with an update

:j:j excellent news:money::money:

amersall

Richard_Cypher wrote: »

well bit of a result, got a letter from First Direct. Stating that even though they do ont feel obligated to accept that the PPI was misold as a good will gesture they have offered me £3209.....not bad I have spoken to First Direct asking how they calculated this. I am happy with this amount, though I have worked out that they have left out 10 months worth of PPI which I paid off in full with PPI included. So it should be around £3600-3900 depending on what APR I had the loan on which First Direct said would find out and get back to me next week :T

Claim was agreed and responed within 4 weeks....not bad


Now for the 3 other claims to come through. Marbles, Lloyds TSB and Capital One

Bring it on!!!!

:jexcellent well done:beer::money:

amersall

putty71 wrote: »

Sorry all but I keep asking this in the hope someone has been sucessful in claiming. Has anyone managed to get a refund of Barclays Overdraft Protection? It works out I paid 80p for every £100 so was costing £20 or so a month, but has anyone claimed this back and is so what letter did you use?

Please?

Putty

hi there, if i were you just write to the bank in your own words, if there is a template letter i am sure that someone will help you more. good luck with this

amersall

dannyboy419 wrote: »

Hi to everyone re-claiming for mis-sold PPI. I have been claiming against Loanmakers were our broker when we took out a loan with Picture.

I used the MSE template letters to get me all the way to the FOS.

Some good news, yesterday I received a cheque from FSCS for a total of £8,763.30. :jThis is broken down as follows:

This for us is a massive amount of money, it means we can really begin to get ourselves out of debt, and has come at just the right time!!!:T

Here's an outline of how quickly our claim was paid out by FSCS (especially compared to FOS!!!). Originally our claim was with the FOS for over a year till Loanmakers went under. I sent the completed compensation application form to FSCS on the 28th September 2009, and then received a letter from Deloitte on behalf of FSCS asking for some further information. I sent the additional information back to Deloitte on 19 October 2009. I was then sent the cheque for £8763.30 on the 13th November 2009. :rotfl:

Only snag is that they had my partners first name incorrect so have had to return the cheque!

:beer: brill news:j:j:money:

amersall

shooby1 wrote: »

A very small amount but i am chuffed:j i rang Swinton when i heard about all the insurance policys having had ppi put on them and yesterday recieved a cheque for £52.50 from past vehicle policys:j

:jgood for you:beer: and you know the saying "every little helps!":rotfl:

shooby1

amersall wrote: »

:jgood for you:beer: and you know the saying "every little helps!":rotfl:

oh defo especially near Christmas with 2 kids :money:

di3004

putty71 wrote: »

Sorry all but I keep asking this in the hope someone has been sucessful in claiming. Has anyone managed to get a refund of Barclays Overdraft Protection? It works out I paid 80p for every £100 so was costing £20 or so a month, but has anyone claimed this back and is so what letter did you use?

Please?

Putty

Hi Putty.

Bumping this one up for you.;) Good luck.

di3004

Richard_Cypher wrote: »

It's so cool, thank you very much for recommending Financial Ombudsman by the way, they were brilliant

Your very welcome Richard.;):beer:, yes thank goodness for the FOS......:T:T, glad its finally resolved for you.:beer:

di3004

dannyboy419 wrote: »

Hi to everyone re-claiming for mis-sold PPI. I have been claiming against Loanmakers were our broker when we took out a loan with Picture.

I used the MSE template letters to get me all the way to the FOS.

Some good news, yesterday I received a cheque from FSCS for a total of £8,763.30. :jThis is broken down as follows:

This for us is a massive amount of money, it means we can really begin to get ourselves out of debt, and has come at just the right time!!!:T

Here's an outline of how quickly our claim was paid out by FSCS (especially compared to FOS!!!). Originally our claim was with the FOS for over a year till Loanmakers went under. I sent the completed compensation application form to FSCS on the 28th September 2009, and then received a letter from Deloitte on behalf of FSCS asking for some further information. I sent the additional information back to Deloitte on 19 October 2009. I was then sent the cheque for £8763.30 on the 13th November 2009. :rotfl:

Only snag is that they had my partners first name incorrect so have had to return the cheque!

WOW, this is fab :j:j:j:T:T:T
Congratulations Dannyboy.
:beer::beer: