PPI Reclaiming successes and failures

di3004

katiefly wrote: »

Barclays Loan PPI Reclaim

Failed

They have refused to refund me the PPI that i have repaid and denied that they have misold PPI to me.

So I am now going to take this case to FOS, wish me luck!

Hi Katie

Sorry to hear this.

Was the the "final response" from Barclays?
If not you can write back and ask them to reconsider with your reasons, but otherwise yes do take to the FOS, good luck.;)
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Miz

:beer::jJust to update today Black Horse sent letter as promised, I have received an offer of refund as a gesture of goodwill, offering a more favourable rebated calculated on a pro-rata basis, when I settled the loan early, I received a rebate on policy of £8830.34, pro rata rebate would have amounted to £10969.95, therefore they are offering the difference of £2139.60. I have replied immediately to accept. Am I right to of accepted this amount? or should I have declined, wondering if did the right thing now? But very very happy anyway!!! Thanks again Martin and good luck to others awaiting response.:money:

Miz

Miz wrote: »

Thought I would share my success so far with the Black Horse>>

What were you reclaiming: PPI
Who was the provider: Black Horse
How much did you get back: So far: £406.55 - £780.00 two more ongoing
Did you get it back after a letter or did you go to the Financial Ombudsman: Letter 2
And then write your brief reclaim tale

I have had four loans with Black Horse dating back 2003, one is still current. We too were told initially with our first loans back in 2003, it would be highy unlikely we would get our loan without PPI, even though we were in secure jobs paid when sick etc...
Sent first letter, got usual standard letter back could not prove misold policy etc... sent second letter, when no replies sent again. First loan they paid as a goodwill gesture payment £780.00, and another loan cancelled the PPI completely? (this was only small loan) got back £406.55, bit annoyed as wished got this one first, then I would have been able to use this against the goodwill gesture payment, which was based on a rebate calculated on a pro-rata basis and offered me the difference which amouted to £780.00.
We are awaiting response to a third loan, which they sent the usual decline letter, we sent 2nd letter twice, and recently I have phoned them they assured me they would send a letter for a refund once calculated the figures for me to accept within the next 5 days, this is a much larger loan, a bit confused as to what to expect?
We have a loan which is still current which is now huge (as each loan has paid off the previous one, including the PPI) but my husband is sick and now redundant and we are now using the PPI, I am wondering if we will still have some claim on this one? due to previous ones being mis-sold anyone know?
DONT GIVE UP ANYONE OUT THERE! Its thanks to this site, we were also successful on re-claiming bank charges 2 years ago and would never have dreamed of reclaiming Mis-sold PPI if not for this site THANK YOU MARTIN :j:j:j
will keep you updated :beer:

Just to update today Black Horse sent letter as promised, I have received an offer of refund as a gesture of goodwill, offering a more favourable rebated calculated on a pro-rata basis, when I settled the loan early, I received a rebate on policy of £8830.34, pro rata rebate would have amounted to £10969.95, therefore they are offering the difference of £2139.60. I have replied immediately to accept. Am I right to of accepted this amount? or should I have declined, wondering if did the right thing now? But very very happy anyway!!! Thanks again Martin and good luck to others awaiting response:beer:

di3004

Miz wrote: »

:beer::jJust to update today Black Horse sent letter as promised, I have received an offer of refund as a gesture of goodwill, offering a more favourable rebated calculated on a pro-rata basis, when I settled the loan early, I received a rebate on policy of £8830.34, pro rata rebate would have amounted to £10969.95, therefore they are offering the difference of £2139.60. I have replied immediately to accept. Am I right to of accepted this amount? or should I have declined, wondering if did the right thing now? But very very happy anyway!!! Thanks again Martin and good luck to others awaiting response.:money:

Well done to you MIZ.......:T:T
This is fab, well done and Congratulations.
:beer::j:j

If this works out to be correct, the remainder after what they have already rebated, then yes that is fine to accept X

ntskylife

Hi All

Hope everyone is well and settled back into their normal routines after christmas.

i'm after some advice please from any legal eagles or anyone with FSA knowledge. I don't want to post query as it's pretty serious.

thanks in advance and keep up the reclaiming everyone

ajausten

hi all, having submitted a claim for missold PPI against First Trust (AIB) Bank back in 2008 and being fobbed off with the usual rejection letters, I passed my claim to FOS in Jan 2009. IN Oct 2009 FOS adjudicator upheld my claim but due to AIB's failure to respond the case was to be reviewed by an ombudsman. Today have received a letter saying AIB are now willing to make a settlement based on recommendation of fOS- just waiting for the letter now to see what they offer. AIB are tough customers so this is a success!!!!!!

will update on amount once letter arrives- FOS have given them 4 weeks to inform me .

ntskylife

ajausten wrote: »

hi all, having submitted a claim for missold PPI against First Trust (AIB) Bank back in 2008 and being fobbed off with the usual rejection letters, I passed my claim to FOS in Jan 2009. IN Oct 2009 FOS adjudicator upheld my claim but due to AIB's failure to respond the case was to be reviewed by an ombudsman. Today have received a letter saying AIB are now willing to make a settlement based on recommendation of fOS- just waiting for the letter now to see what they offer. AIB are tough customers so this is a success!!!!!!

will update on amount once letter arrives- FOS have given them 4 weeks to inform me .

This is really good news, Well done!!! :beer::j:T:T:T:beer:

di3004

ajausten wrote: »

hi all, having submitted a claim for missold PPI against First Trust (AIB) Bank back in 2008 and being fobbed off with the usual rejection letters, I passed my claim to FOS in Jan 2009. IN Oct 2009 FOS adjudicator upheld my claim but due to AIB's failure to respond the case was to be reviewed by an ombudsman. Today have received a letter saying AIB are now willing to make a settlement based on recommendation of fOS- just waiting for the letter now to see what they offer. AIB are tough customers so this is a success!!!!!!

will update on amount once letter arrives- FOS have given them 4 weeks to inform me .

Wonderful, well done and Congratulations.
:beer::T:j

di3004

ntskylife wrote: »

Hi All

Hope everyone is well and settled back into their normal routines after christmas.

i'm after some advice please from any legal eagles or anyone with FSA knowledge. I don't want to post query as it's pretty serious.

thanks in advance and keep up the reclaiming everyone

Hi hun hope your well.

Marshallka is the one here I believe.
I expect she will be along soon, good luck with this.;)

Miz

What were you reclaiming: PPI
Who was the provider: Black Horse
How much did you get back: So far: £406.55 - £780.00 - £2129.00
Did you get it back after a letter or did you go to the Financial Ombudsman: Sent 2nd Letter Twice
And then write your brief reclaim tale
:beer::money::money::money::beer::beer::rotfl::rotfl::rotfl::rotfl:
THANK YOU SO SO MUCH MARTIN!!!!