PPI Reclaiming successes and failures

LexieLou

warmedup wrote: »

I wrote to Halifax claiming mis-selling on my CC on 25th May 2010.
I got a letter back on 4th June, sorry you are unhappy with PPI, further to my investigation and as you are such a valued customer (aren't we all) "I have decided to pay you an amount which will put you back in the position you would have been had you not taken the insurance."
You will hear from our redress team in next 14 days.
Saturday morning I got a cheque for £355 (no breakdown).
Didn't expect a lot as I cancelled soon after realising that I was paying PPI but great, quick result thanks to all you guys'n'girls on this site :T

Still got various Egg, FP and Nationwide running

Keep you updated
:beer: Warmedup

Hi There,

That's great news, ould you be able to tell me the address that you wrote to when contacting the Halifax re your CC?

Thanks again and well done.

LL xx

warmedup

Hi LexieLou

The address was:

Halifax Card Services
Pitreavie Business Park
Dunfermline
Fife
KY99 4BS

Warmedup :beer:

luby3

Hi,
Can you please tell me what letter you sent, and did you just use your cc account number as reference? i have been with halifac cc for years and over the years they have sent me new cards and transfered the balances off their own backs.. do i put all three card numbers on on letter?

Thanks in advance for your help

di3004

luby3 wrote: »

Hi,
Can you please tell me what letter you sent, and did you just use your cc account number as reference? i have been with halifac cc for years and over the years they have sent me new cards and transfered the balances off their own backs.. do i put all three card numbers on on letter?

Thanks in advance for your help

Hi Luby

You can complete the FOS questionnaire or do a letter, or do both if you want to, such as a cover letter in your own words with further information.

These I believe would have to be dealt with separately, as they all have their own account numbers, especially if completing the questionnaire.

You could though (if you have the same reasons for being mis sold on all accounts) write a letter and make sure you enclose all the account numbers they apply to, but if you do complete the FOS questionnaire I "think" this would have to be completed separately.

These were issued by the financial ombudsman service (FOS) for customers to use and they are quite new, complete and keep copies, you will fine on Stage one further down the page on link below:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

And template letter on link below.
http://image.guardian.co.uk/sys-files/Money/documents/2007/10/26/PPIreclaim.pdf

Take your pick if you want.

They have 8 weeks to get back to you with a decision and post by recorded delivery, this is your proof of posting.

(You could enclose all in the same envelope to save money on the posting).;)

chinoclone

di3004 wrote: »

Blimey they are taking their time, I expect its because they are overloaded with these complaints.

Did they also state you can take your complaint to the FOS if you want to, as the 8 weeks have passed?

I know it maybe worth holding on until the extra time, so hopefully there will be a good result to come from this, fingers crossed.;)

I had the standard letter after 8 weeks stating that they would respond in another 4 weeks ( which has now passed) that advised me of my right to refer my case to the FOS with a leaflet enclosed, but I want to give them the opportunity to investigate my claim before I contact the ombudsman. I will only go down that route if I do not get the result that I am expecting.

di3004

chinoclone wrote: »

I had the standard letter after 8 weeks stating that they would respond in another 4 weeks ( which has now passed) that advised me of my right to refer my case to the FOS with a leaflet enclosed, but I want to give them the opportunity to investigate my claim before I contact the ombudsman. I will only go down that route if I do not get the result that I am expecting.

Hi

And I agree with you, it could be worth waiting the extra time, because I am aware once with the FOS the bank may even stop the investigations, good luck.;)

lennygambo

lennygambo wrote: »

Just an update

Recieved a letter from HSBC yesterday regarding 4 loans (all top ups) Ive had with them previously

The 8 week deadline was on the 16th June, and the letter recieved yesterday said they are looking into the details and will take a further 4 weeks

When taking out the loans the first one back in 2003 was taken out in Devon and then the final one in 2006 was taken out in Manchester

Should i just leave it now until a further 4 weeks as passed and see what the outcome is then

Just to keep you guys updated, had a call from a girl called Danielle who was just asking me some questions to clarify matters regarding my loans

I had 4 in total first one taken out in 2003 last one taken out in 2006 and due to be paid off in the next 13 months.

She wanted to know if I was claiming for all 4 loans or just the one taken out in 2006, I was claiming for all 4.

She then went on to say that I should recieve a letter next week with regards to the outcome

Nervous now

Wispa1

Hello there, I wonder if I could have a bit of advice please. I am trying to reclaim ppi for a policy that was sold alongside my mortgage with Barclays (previously Woolwich). My initial letter was sent in July 2009 and they are still dealing with it although the claim has not moved any further but seems to be being pushed from one department to another. I now don't know whether to get the FOS involved and if so would it delay things further or do I let Barclays carry on dealing with it? My mortgage was taken out in July 1998 and finished with the policy in October 2004. Any advice is greatly appreciated. There is also a second standalone policy that was sold by the advisor at the time which I have also asked them to investigate.

di3004

lennygambo wrote: »

Just to keep you guys updated, had a call from a girl called Danielle who was just asking me some questions to clarify matters regarding my loans

I had 4 in total first one taken out in 2003 last one taken out in 2006 and due to be paid off in the next 13 months.

She wanted to know if I was claiming for all 4 loans or just the one taken out in 2006, I was claiming for all 4.

She then went on to say that I should recieve a letter next week with regards to the outcome

Nervous now

You will be fine, try not to worry and the best of luck.:D;)

di3004

Wispa1 wrote: »

Hello there, I wonder if I could have a bit of advice please. I am trying to reclaim ppi for a policy that was sold alongside my mortgage with Barclays (previously Woolwich). My initial letter was sent in July 2009 and they are still dealing with it although the claim has not moved any further but seems to be being pushed from one department to another. I now don't know whether to get the FOS involved and if so would it delay things further or do I let Barclays carry on dealing with it? My mortgage was taken out in July 1998 and finished with the policy in October 2004. Any advice is greatly appreciated. There is also a second standalone policy that was sold by the advisor at the time which I have also asked them to investigate.

Hi there

First of all good luck to this.

I would contact the FOS as a general query on this and see what they have to say, as the business have had ample time.
See what the FOS suggest I think is your best option here at the moment.
http://www.financial-ombudsman.org.uk/contact/index.html

Please keep us posted, fingers crossed for you.;)