PPI Reclaiming successes and failures

robbedofmymoney

kelt99 wrote: »

I took out a firstplus loan in 2002 for 25,000, worst thing we ever did.
To try and get rid of the loan, we remortgaged and repaid 25,000 in 2005. To my horror, the loan still had an outstanding balance of 7,500!!

When i found out about the ppi misselling, i dug out all my paperwork and was shocked to learn that firstplus had indeed added a single premium ppi of 6,500 onto the loan which would be paid over the term of the loan, 25 years, even though it would expire within 5 years!! the cheek of it!!
Anyway, that day i emailed customercare, which is easy to do from a link on the main website. I received a letter 5 days later to say that they would look into the case and they would be back in touch within 4 weeks. Then i had another letter exactly 4 weeks later saying that they need more time and would get back to me within another 4 weeks. I knew that by then the 8 week deadline would be up and i may have to go to the FOS.

Anyway, today, exactly 8 weeks to the day, i have had an offer to pay the premium in full including interest and premiums already paid!

Im really happy, but the only thing im not fully happy with is that the letter is very vague and doesnt state exact figures they will pay, im hoping that because i only have a settlement figure of 6,200, that the loan will come to an end! I have rang them today to put the figures they are offering in writing before i finally except. what do u think??
They say they would but it could take another 10 days! ive waited long enough!

I am now writing off to lloyds, countrywise, and northern rock :j
wish me luck!

absolutely fantastic result, well doen on getting your money back:beer::beer:

robbedofmymoney

amersall wrote: »

:money: loads more wins this week :beer::beer: well done :j
i got my friend 2 mis sells back, a&l £836.35 only took 4 weeks in total including getting cheque!!!! and co op bank the same time scale including transfer to my friends bank of £1001.78 waiting on 2 from barclays, they are really slow, filled questionaire in and just waiting for the reply:D:D wont hold our breath on this one!!! she sent me the hugest bunch of flowers from tom wood that i have ever seen as a thank you, its nice to be appreciated and it felt good that i was able to help her thanks to all on this site too,:A:A:A:A:A:A:A:A:A:A:A:A

a great result, you desrve it back especially for the help and advice you give other

well done:beer::beer:

amersall

robbedofmymoney wrote: »

a great result, you desrve it back especially for the help and advice you give other

well done:beer::beer:

awe shucks:A cheers for that thanx, i help if i know what i am talking about
the help on here is amazing and i have learnt a lot, like many others have, its like having your own personal advice line:rotfl::rotfl:

di3004

See honey, your very clever indeed, I have learnt lots from you too :T:T:T:j:j:beer:XXX

amersall

di3004 wrote: »

See honey, your very clever indeed, I have learnt lots from you too :T:T:T:j:j:beer:XXX

thanks for that di :Athat is praise indeed coming from you, you are the best, i follow your lead and you really know your stuff :cool::cool::cool: if you were paid by the hour for the time and advice you give on here, you would be stinking rich :D:D:D and the speed you type and post :eek: keep up the good work :A

di3004

amersall wrote: »

thanks for that di :Athat is praise indeed coming from you, you are the best, i follow your lead and you really know your stuff :cool::cool::cool: if you were paid by the hour for the time and advice you give on here, you would be stinking rich :D:D:D and the speed you type and post :eek: keep up the good work :A

Bless you and thank you.:A
Having mates like you on here helps, and I think we all learn from each other, so well done to you too, you are fab.:T:T.

However, I get my days and my fingers just sort of go slow motion......:o and I often can make mistakes as well :eek::o, so thank goodness for lovely amazing people like you to come along to also put things right.:j:j:beer:
You too keep up the great work! :beer:XXXXXXX

very_happy_bunny

I just got back £886.00 form Santander which only took two weeks.

Now waiting to hear back from HSBC.

dec22

Have had an Egg on-line PPI loan complaint upheld by FOS (dating back to 2004). Sent the acceptance form back to the FOS this last week, now waiting for refund cheque as loan is settled.

Thanks to everyone for all their support on the forums!!!

di3004

very_happy_bunny wrote: »

I just got back £886.00 form Santander which only took two weeks.

Now waiting to hear back from HSBC.

Wow, that was very quick :T:T
Well done and Congratulations :beer:

di3004

dec22 wrote: »

Have had an Egg on-line PPI loan complaint upheld by FOS (dating back to 2004). Sent the acceptance form back to the FOS this last week, now waiting for refund cheque as loan is settled.

Thanks to everyone for all their support on the forums!!!

Brilliant, well done and Congratulations! :T:beer::j