PPI Reclaiming successes and failures

di3004

HAVEFAITH wrote: »

Hello, has anyone ever had ppi refund success with HFC Bank out there?

Hi there

Yes there have been much success against these.

HFC were one of those fined for mis selling PPI as from 2005 I believe, when did you purchase your policy?

smithy1976

Hi

First of all many thanks to this site and in particular DI

I had a reply from lloyds declining my CC complaint a week ago, i posted on here and DI said not to let it go, i sent another letter and e-mail.

one day after ( very quick) had another letter declining again, saying this was fina decision unless i had other evidence.

due to the wording of the complaint which started off suggesting a third party was dealing with my complint, i sent one final e-mail and coped in the CEO and asked him to oversea this complaint and check the final letter due to various errors.

Today to my shock had a letter, upholding my complint. not saying on what ground they refunding all the premiums plus interest the FOS would award. and ddespite having a debt on card i can have this off card or in a bank account of my choice.

as this card was open in aroud 1995 and always had around 2-4k on and cleared once and then used. i think this could clear what i currently owe as there is just over 2k on card.. for me this is life changing.

and wthout this site i would be facing another 5 years of debt

I think if they pay inot my bank, ill pay most of card any maybe a little holiday as last few years been awful

thank you again

di3004

smithy1976 wrote: »

Hi

First of all many thanks to this site and in particular DI

I had a reply from lloyds declining my CC complaint a week ago, i posted on here and DI said not to let it go, i sent another letter and e-mail.

one day after ( very quick) had another letter declining again, saying this was fina decision unless i had other evidence.

due to the wording of the complaint which started off suggesting a third party was dealing with my complint, i sent one final e-mail and coped in the CEO and asked him to oversea this complaint and check the final letter due to various errors.

Today to my shock had a letter, upholding my complint. not saying on what ground they refunding all the premiums plus interest the FOS would award. and ddespite having a debt on card i can have this off card or in a bank account of my choice.

as this card was open in aroud 1995 and always had around 2-4k on and cleared once and then used. i think this could clear what i currently owe as there is just over 2k on card.. for me this is life changing.

and wthout this site i would be facing another 5 years of debt

I think if they pay inot my bank, ill pay most of card any maybe a little holiday as last few years been awful

thank you again

Fantastic:T:j
It pays to keep on at them, well done as well for your great work!
Congratulations :beer:

And your very welcome.:A

smithy1976

di3004 wrote: »

Fantastic:T:j
It pays to keep on at them, well done as well for your great work!
Congratulations :beer:

And your very welcome.:A

Would anyone know how far back they will refund? i presume it is since the inception of the account, i won a claim with barclaycard who used last 6 years statesment, which only had PPI on for 11 months due to account being on DMP. and did an average of balance for the previoud 3 years. Do you know if lloyds work on the same basis, also the account i had had been cleared ona few occasion, and then re-built up i presume the refund should cover this also. Im just trying to get an idea of what i may get back

if anyone can point me in the direction of where i could find something that would be great

cheers

di3004

smithy1976 wrote: »

Would anyone know how far back they will refund? i presume it is since the inception of the account, i won a claim with barclaycard who used last 6 years statesment, which only had PPI on for 11 months due to account being on DMP. and did an average of balance for the previoud 3 years. Do you know if lloyds work on the same basis, also the account i had had been cleared ona few occasion, and then re-built up i presume the refund should cover this also. Im just trying to get an idea of what i may get back

if anyone can point me in the direction of where i could find something that would be great

cheers

Hi there

I am aware they have been known to backdate even from late 90's.

If you still have paperwork, it maybe worth you sending "copies" and not originals (in case they do not hold any information earlier that the last 6 years), so they have something to work by, because this would help.

lickoloctupus

ok so I got into claiming back the ppi on everything I've had in the last 10 years and here is where I am so far.

1) mbna REFUNDED ME £700 after the first letter after I had paid £1056 6 years ago..I was probably naive and took the money without interest as I was gobsmacked that they gave in without a fight.
2) Barclaycard refunded £942 on ppi on an account dating back to 2002-4 which was cleared in 2004 - after 2 letters and 3 phone calls harassing them for account details - I paid £235 in insurance over the 2 yeas I had it.
3) Marks and Spencer's money - now with FOB as they claim they were not regulated - any views on this would be most welcome.
4) HSBC - now going to FOB as they categorically deny misselling on 2 loans - again any views would be welcome.
5) cap1, egg are asking for £10 for information but I am not sure if I had ppi on these accounts so is it worth the expense.

overall not too bad but I am now getting to the nitty gritty

di3004

lickoloctupus wrote: »

ok so I got into claiming back the ppi on everything I've had in the last 10 years and here is where I am so far.

1) mbna REFUNDED ME £700 after the first letter after I had paid £1056 6 years ago..I was probably naive and took the money without interest as I was gobsmacked that they gave in without a fight.
2) Barclaycard refunded £942 on ppi on an account dating back to 2002-4 which was cleared in 2004 - after 2 letters and 3 phone calls harassing them for account details - I paid £235 in insurance over the 2 yeas I had it.
3) Marks and Spencer's money - now with FOB as they claim they were not regulated - any views on this would be most welcome.
4) HSBC - now going to FOB as they categorically deny misselling on 2 loans - again any views would be welcome.
5) cap1, egg are asking for £10 for information but I am not sure if I had ppi on these accounts so is it worth the expense.

overall not too bad but I am now getting to the nitty gritty

Hi there

Well done to you.:beer:

You could try by requesting for a copy of your agreement, Write a simple letter and request they send by 12 days, enclose £1 postal order or cheque payment.
This should enclose details of any ppi if taken.

Or ring them and ask them was or is there cover on that actual account.
Good luck.;)

KIMY

Can you tell me when you paid of your debt with M & S Money as l paid my loan off in 2002 and l am trying to reclaim l have all documents and just completed the questionaire.

di3004

lickoloctupus wrote: »

ok so I got into claiming back the ppi on everything I've had in the last 10 years and here is where I am so far.

1) mbna REFUNDED ME £700 after the first letter after I had paid £1056 6 years ago..I was probably naive and took the money without interest as I was gobsmacked that they gave in without a fight.
2) Barclaycard refunded £942 on ppi on an account dating back to 2002-4 which was cleared in 2004 - after 2 letters and 3 phone calls harassing them for account details - I paid £235 in insurance over the 2 yeas I had it.
3) Marks and Spencer's money - now with FOB as they claim they were not regulated - any views on this would be most welcome.
4) HSBC - now going to FOB as they categorically deny misselling on 2 loans - again any views would be welcome.
5) cap1, egg are asking for £10 for information but I am not sure if I had ppi on these accounts so is it worth the expense.

overall not too bad but I am now getting to the nitty gritty

Hi

Sorry was meant to post up on this earlier.

In regards of the M&S reclaim, what year did you take this out?

The FOS are only able to investigate complaints who were covered by regulators, ie: FSA prior to these it was GISC (General insurance standards council), however, not all were protected by GISC, so I would therefore contact the FOS by telephone and ask what's the best way to deal with this.

Some have been advised in this case to go to the insurer/underwriter direction, who would have been possibly regulated by the stated governing regulators, its another avenue to take.

So if this is suggested, and you do not have the insurer details, your lender will supply these to you on request, when you receive these, the insurer details will be enclosed and you pursue to them, then if they do not accept liability, move on to the FOS.

Hope this helps.;)

di3004

KIMY wrote: »

Can you tell me when you paid of your debt with M & S Money as l paid my loan off in 2002 and l am trying to reclaim l have all documents and just completed the questionaire.

Hi KIMY.

I take it your waiting for a response from lickoloctupus ?