PPI Reclaiming successes and failures

di3004

goaliesmum wrote: »

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:jToday receceived letter of confirmation upholding 2nd claim, details given over phone last week. This loan was taken in 2001 and consolidated into 2003 loan, 2nd claim only a small loan but nice to get it back, it will clear a credit card debt :T

Congrats to all the recent winners and good luck for those to come.

Brilliant :beer:
Congratulations and well done, all worth it in the end.:T:T:beer:

jodan

What were you reclaiming: PPI - £1248.00
Who was the provider: MBNA
How much did you get back: £1,682.94
Did you get it back after a letter or did you go to the Financial Ombudsman: 3 letters


Wrote 1st letter using template money saving expert website - reply was a big fat no!
Wrote 2nd letter from same website - was offered £100 goodwill gesture.
I said a big fat no!
Wrote 3rd letter saying I had no option but to go to ombudsman. Finally they agreed to repay with interest and also gave me the £100 goodwill gesture as compensation for the trouble.:j

amersall

mattavfc wrote: »

Hi everyone hope everyone in moneysaving land is well!!
I wrote to Blackhorse on 14th july this year to say my PPI of over £4000 on a loan i have of £8000 had been mis-sold and i requeted they refund all premiums plus interest.
They responded to me on the 22nd of july to say there was no evidence to support the claim and refused to refund all premiums.(surprise surprise!)
I then sent them a final letter to say i would be taking up this claim with the financial ombudsman to investigate.I gave them 14 days to reply but they didn't respond in time and i filled out the online complaint form i printed from the ombudsman website.Sent it to the ombudsman on the 16th september and by the 22nd of september i had a response from Blackhorse to say,although they still feel that the PPI was not mis-sold,they agreed to pay all premiums plus interest that i had paid on the loan and cancel the PPI on the loan.
After a lengthy delay on the 17th of November i recieved a cheque from Blackhorse of just over £1500...Plus my payments of £219 per month on the loan went down to £140 a month which has made our financial situation better!
To say me and my family are over the moon about this is the biggest understatment ever!!
I have got to give a massive thankyou to Martin Lewis and Moneysavingexpert.com team for all the media coverage which has given me the knowhow a confidence try to reclaim bank charges and to successfully reclaim my PPI.
But the biggest thanks as regards to my PPI is to amersall :Aand di3004:A! There fantastic advice in aiding me in reclaiming my PPI was simply invaluable!..Thanks guys so much!!..I'm really glad there are crooks like banks etc out there because it allows for people like you to shine so much!!....Thanks again!! Mattavfc :beer:
:money::rotfl:

:Tawe bless you, thank you so much, we dont claim(pardon the pun) to know everything but glad we could help di is :A congrats and well done:j:j:j

amersall

Ronuist wrote: »

What were you reclaiming: Credit Card PPI
Who was the provider: HALIFAX
How much did you get back: £5,450
Did you get it back after a letter or did you go to the Financial Ombudsman: Letter to company

What were you reclaiming: Credit Card PPI
Who was the provider: CAPITAL ONE
How much did you get back: £162
Did you get it back after a letter or did you go to the Financial Ombudsman: Letter to company

A big thanks to Moneysavingexpert site for all their easy to follow steps and would encourage everyone considering reclaiming to go ahead. I have another fight on my hands with GE Money but dealing with FLA since it was pre FOS, not hopeful but will give it a go. Good Luck everyone

:j:jexcellent, well done:j:beer:

amersall

shedsounds wrote: »

One letter was all it took to get my cc ppi back. Very nice, prompt and courteous responses, offer of full refund plus 8%. Very nice thanks!

Said it before but wouldnt have done any of this without help and inspiration of all at MSE

:beer::beer: well done to you:beer::money:

jessie15

BGJAM wrote: »

Two settlements from black horse one of these was a pre 2005 one. :T thanks to this website!!

Weldone BGJAM!!!

How did you manage this as I am in same situation as you and FOS said the couldnt help due to being pre 2004?

di3004

jodan wrote: »

What were you reclaiming: PPI - £1248.00
Who was the provider: MBNA
How much did you get back: £1,682.94
Did you get it back after a letter or did you go to the Financial Ombudsman: 3 letters


Wrote 1st letter using template money saving expert website - reply was a big fat no!
Wrote 2nd letter from same website - was offered £100 goodwill gesture.
I said a big fat no!
Wrote 3rd letter saying I had no option but to go to ombudsman. Finally they agreed to repay with interest and also gave me the £100 goodwill gesture as compensation for the trouble.:j

Well done to you, Congratulations.
:beer::T:beer:

what_a_mess_5

JUST GOT £7,500 BACK TAKEN OFF MY LOAN GREAT NEWS. NOW ON THE BATTLE TO GET BACK £5,500 ON COURT CHARGES WISH ME LUCK WHAT A FANTASTIC WEBSITE :j

di3004

what_a_mess wrote: »

JUST GOT £7,500 BACK TAKEN OFF MY LOAN GREAT NEWS. NOW ON THE BATTLE TO GET BACK £5,500 ON COURT CHARGES WISH ME LUCK WHAT A FANTASTIC WEBSITE :j

Asolutely fantastic :T:T:beer:
Congratulations:beer:
And good luck on the charges:j
What a lotta money........:T:T

BGJAM

jessie15 wrote: »

Weldone BGJAM!!!

How did you manage this as I am in same situation as you and FOS said the couldnt help due to being pre 2004?

Received the typical reply pre2005 so tough. so sent them a letter saying just because it was pre 2005 didnt mean it wasn't mis-sold and told them if i didnt receive a more favourable response in 14 days i would seek legal advice. 3 week later i got an offer of ppi refunded with interest which i accepted.