PPI Reclaiming successes and failures

di3004

davy_fulla wrote: »

More success!!!!!

I got a letter from Halifax today (2 days after the 8 week limit but I'll let that go) saying they're going to put me back in the position as if I had never taken the PPI for my credit card. They haven't said how much it will be and I have no idea how much I'm owed. I hope it's a good one as it dates back 9 yrs. They said I should have payment within 1 month so it's took a while all told but I'm really happy with the outcome.

This comes a month after Black Horse said they would be refunding me £1300. Still waiting for that cheque but they said I should have it by early next week. Thanks again to this site!!

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

di3004

Miz wrote: »

Originally Posted by Miz
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:

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

If this works out to be correct within the calculations then yes.;)
They should also send you a written breakdown as well, ask them if they do not do this.

gil8967

Hi, :j:j:j
What were you reclaiming: PPI
Who was the provider: Direct Line
How much did you get back: £1646.
Did you get it back after a letter or did you go to the Financial Ombudsman: Letter
And then write your brief reclaim tale

Just want to let you know that I got an offer from Direct LIne to refund my ppi + interest today, total = £1646.05.
I want to say a REALLY BIG THANK YOU to Di:A:);) for all your help & advise, also to Amersall and everyone else on this site who totally inspired me to do this:A:A. YOU ARE THE BEST!!!:T:T:T
The bank are not admitting liability but are making this offer as a Goodwill Gesture:rotfl::rotfl:Ah What the hell!
So THANK YOU ALL AGAIN SO VERY VERY MUCH!!:A:A:A

I will let you know when I receive my cheque, hopefully it won't be too long. My other 3 claims are with the FOS. Will keep you all posted.
THANKS:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

di3004

gil8967 wrote: »

Hi, :j:j:j
What were you reclaiming: PPI
Who was the provider: Direct Line
How much did you get back: £1646.
Did you get it back after a letter or did you go to the Financial Ombudsman: Letter
And then write your brief reclaim tale

Just want to let you know that I got an offer from Direct LIne to refund my ppi + interest today, total = £1646.05.
I want to say a REALLY BIG THANK YOU to Di:A:);) for all your help & advise, also to Amersall and everyone else on this site who totally inspired me to do this:A:A. YOU ARE THE BEST!!!:T:T:T
The bank are not admitting liability but are making this offer as a Goodwill Gesture:rotfl::rotfl:Ah What the hell!
So THANK YOU ALL AGAIN SO VERY VERY MUCH!!:A:A:A

I will let you know when I receive my cheque, hopefully it won't be too long. My other 3 claims are with the FOS. Will keep you all posted.
THANKS:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T:T

WOW that is brilliant news...........:T:T:T:j:j:j
Well done to you and Congratulations.:beer::beer:
And your very welcome.:AXXX

Lusty

Lusty wrote: »

Well the first letter of response is back after a week.

Dear Mr Rusty
I am writing to let you know that we've received your complaint and to say how sorry we are to learn that your unhappy(So they should be!).Your complaint has been passed to Lloyds TSB Insurance,as we will investigate your concerns you have raised on behalf of Lloyds TSB Bank Plc.
You have my assurance that one of our case handlers will investigate the concerns you have raised.
This may take a little time(we need to see if we can worm our way out of it!)but we will do our best to complete our "enquiries" as soon as we can.We will then be able to respond in full to your complaint,and at that stage,I hope resolve matters.
Please note that if wish to cancel Your insurance policy(I do,I do especially at £120 a month!)whilst we investigate your concerns please visit a Lloyds TSB branch (Where upon arrival you will be taken to a room "out back" and have electrodes attached to your Nads until you get round too our way of thinking!)or alternatively contact the Personal Loan Service Centre on telephone No 0800 096 1282(Bloody Hell a free phone number!).
In case you haven't reeived a copy of our leaflet called "Resolving Your Complaint" I've enclosed one with my letter.This tells you all you need to know about resolving your complaint.
If you would like to add anything to the information you have already given us,please get in touch on 0845 300 55 99(calls charched at £3 a minute!)
Yours Sincerely
A.N.Other
Customer Care,Lloyds TSB Insurance ripp off department.

Got the decision letter from the FOC yesterday and they have ruled in my favour and all I have to do is sign the form and send it back.
It's been a long road and rocky at times but I've won, I've won, I've bloody well won!
Looking at just over three large ones here looking at the FOC's calculations!:beer::beer::beer:

jonnyredman

• What were you reclaiming: Loan and Credit Card
  
• Who was the provider: Egg
• How much did you get back: £1781.70 (Loan) £1991.26
  
• Did you get it back after a letter or did you go to the Financial Ombudsman: First Letter
  
• I have been looking at this forum for a while and had been meaning to send off some letters but have been a bit lazy so decided in the new year to actually do it so last week i drafted up letters to several lenders and sent them off. I recieved the good news from egg and checked my account today and all my money was in my account. Have now been able to clear all my debt with Egg which was close to £6000.

Im now waiting to hear back from Capital One, Virgin Credit Card, Burton store card (which was GE Capital bank but now Santandar) and also Barcleycard although they have told me they have cancelled my ppi insurance on my card and have asked me to fill in a questionaire. Has anyone had any success with any of these companies ?

lucieloo

well done brilliant xxx

rs64

• What were you reclaiming: Loan PPI
• Who was the provider: Egg
• How much did you get back: £10,357.88
• Did you get it back after a letter or did you go to the Financial Ombudsman: First Letter after telephone complaint
  
• Sent my letter on 14th Jan received a reply on Saturday 16th , and got my letter yesterday (20th) to say they had investigated my complaint and were refunding all my prmiums paid and interest. I know it's my money that they are re-paying, but nontheless I'm delighted, it will pay off all the oustanding debt and leave me enough money to take a holiday for the first time in years. To all you people out there who are not sure about claiming, do it! It's your money and they didn't think twice about taking it! Thanks to this site for the advice and the courage it gives people to 'have a go'!:j

di3004

Lusty wrote: »

Got the decision letter from the FOC yesterday and they have ruled in my favour and all I have to do is sign the form and send it back.
It's been a long road and rocky at times but I've won, I've won, I've bloody well won!
Looking at just over three large ones here looking at the FOC's calculations!:beer::beer::beer:

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

di3004

jonnyredman wrote: »

• What were you reclaiming: Loan and Credit Card
  
• Who was the provider: Egg
• How much did you get back: £1781.70 (Loan) £1991.26
  
• Did you get it back after a letter or did you go to the Financial Ombudsman: First Letter
  
• I have been looking at this forum for a while and had been meaning to send off some letters but have been a bit lazy so decided in the new year to actually do it so last week i drafted up letters to several lenders and sent them off. I recieved the good news from egg and checked my account today and all my money was in my account. Have now been able to clear all my debt with Egg which was close to £6000.

Im now waiting to hear back from Capital One, Virgin Credit Card, Burton store card (which was GE Capital bank but now Santandar) and also Barcleycard although they have told me they have cancelled my ppi insurance on my card and have asked me to fill in a questionaire. Has anyone had any success with any of these companies ?

Hi there

First of all Well done and Congratulations.:beer::T:T.

Good luck on your other reclaims as well.;)

I believe there have been much success with these compannies either direct or the FOS, but keep at them anyway.

The Questionnaires seem to be standard with some of them now, complete to the best of your knowledge and on the questions they ask where you have already wrote down on the letter you sent them, tell them to refer to your letter, and on the ones you cannot remember, tell them to refer to the account, as they should still hold these details from when they sold the finance to you.

They still have 8 weeks as from your original letters you sent, good luck.;)