PPI Reclaiming successes and failures

laidler2101

• What were you reclaiming:PPI
• Who was the provider: HSBC
• How much did you get back: £3202
• Did you get it back after a letter or did you go to the Financial Ombudsman: LOTS OF LETTERS AND THE OMBUDSMAN
• And then write your brief reclaim tale TOOK A LOAN OUT WITH HSBC , DID NOT ASK FOR THE INSURANCE BUT THEY PUT IT ON ANYWAY .THEY SENT THE FORMS IN THE POST FOR ME TO SIGN ON THE HIGH LIGHTED BITS WHICH ONE WAS THE INSURANCE THEY HAD FILLED IN AND ADDED TO THE FORMS. I TRIED TO CANCEL IT BUT THEY OFFERED ME A NEW LOAN FOR THE FULL AMOUNT WITH OUT THE PPI ON BUT THE FULL COST AS WHEN IT WAS ON:T :T :T :cool:

saucee

I thought I would give it a go at reclaiming my PPI from LTSB on a £16k loan I took out 5 years ago. I used the template letter on your site and changed it to my circumstances. I got a reply from LTSB within 8 weeks saying they hadn't come to a decision yet and allowed me to approach the financial ombudman, which I did. After a few weeks they replied stating they are looking into it. After this LTSB contacted me with a goodwill gesture stating they would pay me £3445 plus interest, which I accepted.

To my surprise, it appears my loan amount owing has been paid in full plus I have also received £3445!!! I have phoned LTSB at least twice to check this and appears to be true, though I will wait for the confirmation letter to believe it!! If it is true that is approx, £10,000 back.

Thanks Martin!:beer:

di3004

I pop on this thread now and again to see how your all getting on, and see that many of you have had wonderful big wins.......:D , so well done to those who have succeeded in these claims.....:beer: , and to the one's who have been let down, like myself with some claims, I won some and still fighting some of them due to being let down, please don't give up, where there's a will there's a way....;) .

Many congrats to the winners and chin up to the fighters.....:D , keep going, show them you mean business.:D :beer: :j .

Di.
xxx

MrsCO

Hello everyone,

Just to let you know I received the cheques today- halifax loan came to £974.88 and Sainsburys loan came to £2253.33 so in total, £3228.81! Plus no more sainsburys loan which still had a few months to run!

I'm very happy and just want to wish all you guys much success with your claims- and to say thanks: Your successes and fights so helped spur me on with mine. Will let you know how I fare with the dreaded PPI on credit card!

X

hellsbells1985

Help- how long has it taken you all to get a reply from the FO - i have sent numerous letters to HSBC which either came back with a big fat NO or went off on a tanjent -so we went to the FO whom said within 4 weeks we will get back to you with progress that was 6 weeks ago?!!!!
I'm getting that feeling i am gonna be the unlucky one who doesn't get £ back!! God i was so mis-sold and it's worrying that i may not get it back :-(

techspec

hellsbells1985 wrote: »

Help- how long has it taken you all to get a reply from the FO - i have sent numerous letters to HSBC which either came back with a big fat NO or went off on a tanjent -so we went to the FO whom said within 4 weeks we will get back to you with progress that was 6 weeks ago?!!!!
I'm getting that feeling i am gonna be the unlucky one who doesn't get £ back!! God i was so mis-sold and it's worrying that i may not get it back :-(

Mine took 6 weeks with the FOS

It can take a lot longer, as they have to wait for the bank to respond etc, and not all cases are clear cut.

6 weeks is not a lot in FOS terms, but if you have a case, i would be expecting to hear soon. I kept sending supporting information to help my case, which may have speeded things up.

tamman

Financial Institution: HBOS
PPI Amount of premiums refunded: £2531.02
Refund of Interest: £579.43
Interest@ 8%: £819.43

Total £3929.88

RESULT!
Initial complaint raised for mis-selling under single premium policy complaint
2 x rejection letters (standard fob-offs)
2 x letters to FOS
1 x Result

Many thanks to Martin & the Team.
I started last October with a credit rating of 450 (very poor.) Now thanks to the experiences of others, a few stamps & Martin, my rating is now 954 (excellent!)
Bad news for HBOS is that I now have 3 other complaints in the pipeline.

:rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl: :rotfl:

angelwillow

hellsbells1985 wrote: »

Help- how long has it taken you all to get a reply from the FO - i have sent numerous letters to HSBC which either came back with a big fat NO or went off on a tanjent -so we went to the FO whom said within 4 weeks we will get back to you with progress that was 6 weeks ago?!!!!
I'm getting that feeling i am gonna be the unlucky one who doesn't get £ back!! God i was so mis-sold and it's worrying that i may not get it back :-(

I have a couple of complaints with the FO and they have been with them since March - still waiting on an adjudicator.

alleybabes

angelwillow wrote: »

I have a couple of complaints with the FO and they have been with them since March - still waiting on an adjudicator.

same here my complaint been with them since march,still waiting an adjudicator

pokey15

angelwillow wrote: »

I have a couple of complaints with the FO and they have been with them since March - still waiting on an adjudicator.

Angel

I wrote to the FOS late December early January and they have just came back to me this week,its taking 6-7 months to go through the backlog.
You just gotta be patient and they'll come back to you.
Im sure it will worth the wait
Keep the faith;)