PPI Reclaiming successes and failures

MARKZ123

http://forums.moneysavingexpert.com/showthread.html?p=17986177&highlight=#post17986177

I WON IT TOOK OVER 16 MONTHS ALTOGHETER START TO FINISH WITH HELP FROM THE FOS. I GOT £597.15 PAID INTO MY ACCOUNT.
THAT ENOUGH FOR MY NEW PLASMA TV

WELL HAPPY.THANKS EVERYONE ON HERE FOR THE HELP.:j

di3004

DanDaniel wrote: »

Hi Folks,

Can anyone help. I had a Loan for a car via carcraft in 1999. I thought it was with Chartered House Trust or something like that and think it then went over to Black horse. Any ideas how i might push to get details of my loan bearing in mind it was now 10 years ago. I was forced to take out very expensive PPI at the time. Anyone have any idea what happened to Chartered house trust.

Dan

Hi Dan

As its have been some time ago, it may be difficult to retrieve any of the information, but this also depends on if this is still active, or how long ago this was paid off as such.
For instance if you paid this off in full the last say 5/6 years then you may be lucky to have something from them in means of a Subject Access Request (SAR), where they have 40 days to comply, but you should enclose a Cheque payment or postal order of £10, if they are unable to supply you with any details then they should write back to explain and of course return your payment.
SAR template letter here:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

If your not sure in who to pursue, then maybe give the Financial ombudsman Service (FOS) a ring, they will check if they have them listed, and if for some reason these were not covered/governed by GISC where the FSA taken over in Jan 2005, in this case the FOS are unable to deal with this, but they may suggest another avenue with the actual insurer instead.
The FOS are also trying to make the insurer/underwriter responsible, but in your case I would ring them and ask them first, where in fact they may even write to them on your behalf if you request for this.
But you will have to try to find out who the insurer was first if you can.

If you still have the account number without any of the paperwork details you can still continue to try to reclaim, then see what they come back with, where they may even send back information within their letter response, such as the agreement, if they still have a copy and maybe other details.

For more on reclaiming with guidelines here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

To contact the FOS in office hours here:
http://www.financial-ombudsman.org.uk/contact/index.html

Good luck, please keep us posted.;)

Di

di3004

MARKZ123 wrote: »

http://forums.moneysavingexpert.com/showthread.html?p=17986177&highlight=#post17986177

I WON IT TOOK OVER 16 MONTHS ALTOGHETER START TO FINISH WITH HELP FROM THE FOS. I GOT £597.15 PAID INTO MY ACCOUNT.
THAT ENOUGH FOR MY NEW PLASMA TV

WELL HAPPY.THANKS EVERYONE ON HERE FOR THE HELP.:j

Absolutely brilliant Mark :T:T fantastic :j, Congratulations :beer:

robbedofmymoney

lnh944 wrote: »

Got home last night to find another letter from Barclays upholding my complaint and a cheque to the value of £6684.64! Result! All the above after one letter, am I glad I decided to give it a go! :j

Thanks once again guys I could not have done it without all the help and encouragement on these forums! :T

fantastic news, enjoy your money now you have it back.
:beer::beer::beer:

robbedofmymoney

sunnygirls wrote: »

Hi all ,i sent a letter 17th Dec to Halifax about the ppi on my current loan ,i told them going on previous advice i had ticked the box for silver cover (i did it online ) but on talking to there rep while comfirming the loan they advised gold ,i truly thought they would say you ticked it end of story ,but on 17th of Feb i got a letter saying it may not of been suitable for me and they would put me in position of never having ppi :j:j A couple of days later figures came through they knocked ppi off my loan and were going to give me back what i had paid in RESULT:j:j I expected it all been knocked off my loan ,and yesterday it was paid into my account .Im over the moon ,Thank You ALL for your advice and support its invaluable :A:A

fantastic news, you deserve your monet back,
i'm sure you will have a party:rotfl:
:beer::beer:

robbedofmymoney

Green_Pea wrote: »

I wrote to the Halifax about PPI they had missold me when I took out a loan 5 years ago - I only sent the letter a week ago. Had a phone call today confirming that they had upheld my complaint and that all the money I paid out will be refunded into my bank account. Can't tell you how much that helps me out at the moment - clears a credit card bill. Jumping for joy!:j

fantastic news, it was yours anyway so great to hear you have it back
:beer::beer::beer:

robbedofmymoney

danthejoker wrote: »

Claiming mis-sold PPI on a car finance agreement
Carcraft/Hitatchi Capital
£2100
Went to the Ombudsman, held out and won
Had to get a car desperately for new job job, Carcraft were the old people prepared to give me credit and I had to get a car asap. Vile salesman told me he couldn`t agree the credit without PPI, went along with it, made payments for 18 months & found out he had lied, after 2 letters to Carcraft case went to the ombudsman, dragged on for 9 months but got a cheque in full, still with a nasty letter from carcraft, which has come in handy as my wife is 7 months pregnant.

Thank you to everyone on this site.

well done on getting your money back, its worth all the extra effort of going to the FOS

:beer::beer::beer:

DCR_2

• What were you reclaiming: Credit Card PPI
• Who was the provider: MBNA
• How much did you get back:£4442
• Did you get it back after a letter or did you go to the Financial Ombudsman: Template letter then follow up
• And then write your brief reclaim tale
• I had already got £1500 back from Alliance & leicester (part of MBNA) but had been refused . I wrote with copy of their offer on A&L and said I thought they were unreasonable to give on one but not the other. Quick response back - sending me a cheque in post! :TJust a refund of all premiums - now wondering wether to chase for interest as well - they obviously feel guilty.
• TOTAL back £5900!!!!!!!!!!!! Not bad for a couple of letters. I would recommend everyone to have a go:beer:

Thanks again

di3004

DCR wrote: »

• What were you reclaiming: Credit Card PPI
• Who was the provider: MBNA
• How much did you get back:£4442
• Did you get it back after a letter or did you go to the Financial Ombudsman: Template letter then follow up
• And then write your brief reclaim tale
• I had already got £1500 back from Alliance & leicester (part of MBNA) but had been refused . I wrote with copy of their offer on A&L and said I thought they were unreasonable to give on one but not the other. Quick response back - sending me a cheque in post! :TJust a refund of all premiums - now wondering wether to chase for interest as well - they obviously feel guilty.
• TOTAL back £5900!!!!!!!!!!!! Not bad for a couple of letters. I would recommend everyone to have a go:beer:

Thanks again

Well done DCR:T:T:j:j
Congratulations
:beer:

marshallka

robbedofmymoney wrote: »

What were you reclaiming: PPI on Credit Card
Who was the provider: Barclaycard
How much did you get back: £7,500
Did you get it back after a letter or did you go to the Financial Ombudsman: all dealings with Barclaycard without FOS referral

Wrote to Barclaycard with my complaint for miss-selling of PPI,
recieved a questionaire which i returned with supporting infrmation,
after the 8 weeks they are allowed i got a letter saying they will refund me all premiums plus interest.

will go through the calculations later to check the interest as this seems a bit low. but £7.5k is £7.5k, this is their final response.

its a shame Lloyds ar enot as efficient in their handling of claims.

i would like ot say a thank you to all the people who have offered me advice in the past, in particular Di, Marshallka and Tiggrea, it was a nice surprise to recieve this upon my return from sunny Wales

thanks

Well done and thank you too.;)