PPI Reclaiming successes and failures

donotpassgo_2

Show_352 wrote: »

I cannot thank this site enough. I used the template letter in hope to reclaim my PPI from Egg on my loan with them. I sent the letter on Wednesday and this morning I received a letter back from Egg. I half knew it was going to be about my claim and was expecting a huge rejection. Imagine my suprise when I started to read the letter and they are refunding £3,075 direct to my bank account!!!!

I've been crying tears of joy for the last hour, that money will pay off another existing debt I have but also allow me my first holiday in 4 years. Finally debt free and able to enjoy a holiday away with my friends. This year is going to be the best yet.

Good luck to everyone else reclaiming, I hope you have the same success as I.

Congratulations,:j:j it is such a great feeling especially now you are debt free enjoy, what a great way to start the year:T:T

surfichick

• What were you reclaiming: Credit Card
  
• Who was the provider: Barclaycard Visa
• How much did you get back: £744
• Did you get it back after a letter or did you go to the Financial Ombudsman: First letter & their questionnaire
  
• Brief reclaim tale
  I noticed PPI reclaiming in one of MSE's newsletters last year, then did nothing for months.
  Finally got around to applying for refunds (31 Oct 2009) from 5 CCards and 1Loan.
  Wrote first letters to various companies.
  Received various replies, BCard sent me a questionnaire to complete.
  Returned completed questionnaire, received a number of "we're continuing our investigation letters" from BCard.
  Today (16 Jan 2010) got final response from BCard offering full refund + interest, as they couldnt find enough evidence to say that ppi had been sold fairly.
• Thankyou so much Martin and MSE'ers. This was the tip of a big iceberg, look-out capital one, MBNA and Natwest!:T
  
  

donotpassgo_2

surfichick wrote: »

• What were you reclaiming: Credit Card
  
• Who was the provider: Barclaycard Visa
• How much did you get back: £744
• Did you get it back after a letter or did you go to the Financial Ombudsman: First letter & their questionnaire
  
• Brief reclaim tale
  I noticed PPI reclaiming in one of MSE's newsletters last year, then did nothing for months.
  Finally got around to applying for refunds (31 Oct 2009) from 5 CCards and 1Loan.
  Wrote first letters to various companies.
  Received various replies, BCard sent me a questionnaire to complete.
  Returned completed questionnaire, received a number of "we're continuing our investigation letters" from BCard.
  Today (16 Jan 2010) got final response from BCard offering full refund + interest, as they couldnt find enough evidence to say that ppi had been sold fairly.
• Thankyou so much Martin and MSE'ers. This was the tip of a big iceberg, look-out capital one, MBNA and Natwest!:T
  
  

Congratulations surfichick, keep at it:T:T:beer::T:T

di3004

surfichick wrote: »

• What were you reclaiming: Credit Card
  
• Who was the provider: Barclaycard Visa
• How much did you get back: £744
• Did you get it back after a letter or did you go to the Financial Ombudsman: First letter & their questionnaire
  
• Brief reclaim tale
  I noticed PPI reclaiming in one of MSE's newsletters last year, then did nothing for months.
  Finally got around to applying for refunds (31 Oct 2009) from 5 CCards and 1Loan.
  Wrote first letters to various companies.
  Received various replies, BCard sent me a questionnaire to complete.
  Returned completed questionnaire, received a number of "we're continuing our investigation letters" from BCard.
  Today (16 Jan 2010) got final response from BCard offering full refund + interest, as they couldnt find enough evidence to say that ppi had been sold fairly.
• Thankyou so much Martin and MSE'ers. This was the tip of a big iceberg, look-out capital one, MBNA and Natwest!:T
  
  

Congratulations and well done.:beer::T:beer:

Portofino_2

Hi

Is there a template letter for requesting a CCA/application?

Thanks.

di3004

Portofino wrote: »

Hi

Is there a template letter for requesting a CCA/application?

Thanks.

Hi hun

Found this here from this site:;)

To:

Dear Sir/Madam

Account/Ref No:

With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.

I/we understand that under the Consumer Credit Act 1974 [sections 77-79], I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.

I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974.

I/we understand a copy of any credit agreement along with a statement of account should be supplied within 12 working days.

I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act.

I/we look forward to hearing from you.

Yours faithfully



Your name.

Portofino_2

Thanks!!!

Will pop one in the post on Monday :rotfl:

di3004

Portofino wrote: »

Thanks!!!

Will pop one in the post on Monday :rotfl:

Good luck, post it by recorded delivery as well hun, so you will know the request reached them.;):D

Feelingfoolish_3

Hi

My mother took out a loan 4 years ago with Barclays, was retired at the time, hasn't a clue about money and was sold PPI (the loan was for 7 years). It all came to light a few months ago when she admitted she was in trouble, financially.
I made a PPI complaint to Barclays in October (for my mother), handed the letter to the personal banker who I now think did nothing with it as I had to send another letter at the end of November to chase them up. This time recorded delivery. Shortly after she got a questionnaire to complete, which I did around Xmas time.

Result today £6700 lovely pennies refunded to her bank account with a letter sort of admitting defeat but who cares, money refunded including 4 years statutory interest!

All it took was one simple complaint letter and job done. I used the template from here so thank you and I now have one in with Barclaycard.

Cheers everyone, happy days :T

di3004

Feelingfoolish wrote: »

Hi

My mother took out a loan 4 years ago with Barclays, was retired at the time, hasn't a clue about money and was sold PPI (the loan was for 7 years). It all came to light a few months ago when she admitted she was in trouble, financially.
I made a PPI complaint to Barclays in October (for my mother), handed the letter to the personal banker who I now think did nothing with it as I had to send another letter at the end of November to chase them up. This time recorded delivery. Shortly after she got a questionnaire to complete, which I did around Xmas time.

Result today £6700 lovely pennies refunded to her bank account with a letter sort of admitting defeat but who cares, money refunded including 4 years statutory interest!

All it took was one simple complaint letter and job done. I used the template from here so thank you and I now have one in with Barclaycard.

Cheers everyone, happy days :T

Great news, well done and Congratulations.
:beer::T:beer: