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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 9th Aug 07, 4:10 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    PPI Reclaiming successes and failures
    • #1
    • 9th Aug 07, 4:10 PM
    PPI Reclaiming successes and failures 9th Aug 07 at 4:10 PM
    Please report your PPI Reclaiming sucesses/failures here

    This thread lists 1000s of stories, click the 'last' link above for the most recent

    Not done it yet? Read the full Loan PPI Reclaiming and Credit Card PPI Reclaiming

    How to report your success/failure?

    1. Click reply to enter you story.

    2. Report your story in the following format:
    • What were you reclaiming: (eg. loan, credit card, store card)
    • Who was the provider: (e.g. Capital One, NatWest)
    • How much did you get back: ????
    • Did you get it back after a letter or did you go to the Financial Ombudsman: ????
    • And then write your brief reclaim tale
    REMEMEBER BY DOING THIS YOU ENCOURAGE OTHERS WHO MAY BE TOO SCARED TO RECLAIM HAVING BEEN MISSOLD.


    What if I just want to discuss PPI reclaiming/ask a question?

    Please do NOT post questions in this thread. Questions may be asked in the PPI reclaiming discussion thread where, although not guaranteed, it is more likely somebody may be able to help you.

    Happy to tell your story in a newspaper/on TV?

    There are over 20m PPI policies in the UK and its a £5bn a year industry; yet I believe a very substantial proportion of those were missold and I want to spread the word. We need to make PPI reclaiming as big as bank charges reclaiming and Mortgage Exit Fee reclaiming.

    I need your help

    To spread the word, I need case studies, people who've been placed on hold or succeeded and are willing to tell their story to encourage others to take on the banks and reclaim.

    If you're willing to do this, please e-mail casestudy@moneysavingexpert.com (sorry but we can't answer questions at this email address) with as much of the following info as you can:

    * how much was your loan/card balance
    * how much did you get back
    * who was your lender
    * a daytime phone number - we often need to reach people at very short notice
    * whether you are happy to appear in the papers,tv or both
    * where you live
    * did you use our template letters
    * did you go to the Ombusdman, court or use a claims handler

    We really appreciate anyone that can help us with this but of course also please report your story below.

    Thanks
    Martin
    Last edited by Former MSE Wendy; 06-06-2012 at 5:58 PM.
Page 1877
    • newbyteacher
    • By newbyteacher 30th Apr 19, 10:01 AM
    • 75 Posts
    • 49 Thanks
    newbyteacher
    Bhs store card PPI sucess
    What were you reclaiming: PPI
    Who was the provider: GE money Bhs storecard
    How much did you get back: £1200.awaiting payment
    Used the FREE RESOLVER TOOL
    was dismissed by Santander so sent complaint to Financial Ombudsman.
    Started claim 3rd April 2018, had 2 letters from santander denying my claim, contacted Financial Ombudsman, they asked for more info and upheld my claim. My PPI was added to my Staff Storecard, I was told I had no option if I wanted to have my staff discount I had to have the storecard and accept the PPI. FOS investigated this and found that I was never eligible to actually claim using the PPI as if I left the company my final wage would have the remaining storecard balance taken off.
    TBH I didn't realise this was even in the contract, I just knew that when I was issued with the card my HR manager said we had to accept PPI.
    I am happy with the result, just hope the payment doesn't take forever. Glad I persevered and and so appreciative of this forum.
    • Pollywomble
    • By Pollywomble 2nd May 19, 8:49 PM
    • 1 Posts
    • 0 Thanks
    Pollywomble
    Burtons Store Card from 1990 - Upheld - and they had my account history

    What were you reclaiming: PPI
    Who was the provider: Santander
    How much did you get back: £4056.awaiting payment
    Used the FREE RESOLVER TOOL
    Found an old Burtons statement from 2005, tried claiming through GE Money to who I paid monthly. this was declined as couldn't find my account. Gave in and didn't pursue further however, after reading this forum again (4 previous successful claims) decided why not give it a go with Santander and Genworth who I thought were the underwriters at the time. This was sent 12 April. Received letter today : Santander investigated against AXA France IARD and AXA France VIE - this was upheld, £827 in PPI payment refund, 8% interest 2433 - this was calculated from 1993 - for interest from 1990-1993 was at 15%. The letter states they have full account history from 2005 anf prior to that PPI, interest and total spending so if anyone has been fobbed off that they don't have account details I would push! I've been compensated for 29 years. the account was closed almost 10 years ago.
    They further investigated SCUKL (Santander cards) but this was time barred. needless to say 10 mins of filling in Resolver providing a copy of a statement and submnitting, not a bad hourly rate. If anyting I was only expecting a few hundred as I thought there would be no account history.

    Happy bunny!

    In total I've successfully received £17k in claims - MBNA 3200 (paid out within 8 weeks), 4000 Capital One (that went to Ombudsman - took almost 2 years) Barclaycard - interesting one - rejected and rejected by Ombudsman. 3 years later letter out of the blue asking for further information as I was one of a few million whose claim had not been investigated properly, sent my contract of employment as requested, 2 days later £5600 received - boom hello Australia
    • Reds33
    • By Reds33 18th May 19, 1:16 PM
    • 1 Posts
    • 0 Thanks
    Reds33
    I made a claim using Martin's template in 2011/12 to Barclays credit card, Alliance & Leicester, credit card & Santander who was GE money at the time of my loan.
    Barclay awarded me £1,235 but Santander who was als now respnsible for Alliance & Leicester declined both my claims.
    Last Saturday I received letter from Santander in respect of my GE money loan, has now awarded me £3,472.23 redress based FCA ruling, but no 8% interest.

    In 2016 I signed up with Allay claims just to check if I was entitled to any other PPI's because I was successful with Barclays but any others they approached came back saying I had no PPI with them.

    I was shocked to receivea letter today from Allay nearly 3 years later saying 'we have won' & an invoice for their fee at 36%, which is £1,250.06, for a claim I originally made myself. I can't believe this is right!!
    • dunstonh
    • By dunstonh 18th May 19, 4:48 PM
    • 98,598 Posts
    • 66,989 Thanks
    dunstonh
    I was shocked to receivea letter today from Allay nearly 3 years later saying 'we have won' & an invoice for their fee at 36%, which is £1,250.06, for a claim I originally made myself. I can't believe this is right!!
    You are correct. It is not right. The Ministry of Justice said in their bulletin in August 2014 that billing on future redress could be considered fraud. This is becoming a bit of an FAQ on this forum with claims companies trying it on.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Billandben
    • By Billandben 19th May 19, 6:13 PM
    • 4 Posts
    • 0 Thanks
    Billandben
    Hi I sent a claim for ppi to Halifax they are saying I did not send them my employers details ,I honestly canít remember who I was employed with but I do know I was employed full time with sick pay as I have always worked full time , does any one know what I can do about this as they want to close my case
    • Moneyineptitude
    • By Moneyineptitude 19th May 19, 6:55 PM
    • 23,778 Posts
    • 13,130 Thanks
    Moneyineptitude
    I do know I was employed full time with sick pay as I have always worked full time
    Originally posted by Billandben
    Everyone gets statutory sick pay and it's a pittance. The Bank wants to know your employment details to ascertain if you were one of the few with very generous employee sick pay which negated the need for PPI. If you cannot provide proof that you had such employment benefits, it looks likely that you complaint will be rejected.

    Working full time just indicates that you were eligible for PPI.
    • Nasqueron
    • By Nasqueron 19th May 19, 8:39 PM
    • 7,551 Posts
    • 4,765 Thanks
    Nasqueron
    Hi I sent a claim for ppi to Halifax they are saying I did not send them my employers details ,I honestly canít remember who I was employed with but I do know I was employed full time with sick pay as I have always worked full time , does any one know what I can do about this as they want to close my case
    Originally posted by Billandben

    Your records are either with HMRC, your own files or your memory. Taking into account the fact most firms now have built up databases of common details of employee benefits, if you claim to have some amazing deal they will expect proof.



    As money says above, many people believe they have fantastic benefits, most have SSP. Outside of certain jobs in the civil service and perhaps some well paid senior roles in private firms, it's rare to get more than a couple of weeks paid sick leave before you go onto SSP. Indeed the job I am doing now, the firm who used to own our division literally paid nothing for sick pay, your salary was reduced if you were ill by the number of days off you had taken, the current one at least has paid sick leave for a while.
    • commoditygirl
    • By commoditygirl 28th May 19, 8:10 PM
    • 3 Posts
    • 2 Thanks
    commoditygirl
    I pray this is just the beginning....
    Good evening,


    • What were you reclaiming:PPI on loan/credit card (1998/2002)
    • Who was the provider: Bank of Scotland
    • How much did you get back: £6,608.50
    • Did you get it back after a letter or did you go to the Financial Ombudsman: Two letters,no phone call, no questionnaire.

    Well I am still in total shock!



    I am very proud to now be debt free but, I didn't do it via PPI reclaim (nothing wrong in that of course). I worked for years to pay the debts off for my two limited companies and huge personal debt and now I feel like somebody is looking out for me.

    I successfully reclaimed Single Premium PPI from Barclays that was mis-sold in 2012 and 2014 pertaining to my business(all redress settled a longstanding commercial loan). However, I was too embarrassed to make PPI inquiries with regards my personal debt until more recently. I wanted to pay the debt off first-daft I know!

    Thank goodness I made contact before it was too late!!

    I presently have direct claims with:

    Santander: 2 x GE Capital Store Cards
    Barclaycard: 3 credit cards
    Yorkshire Building Society: Mortgage Unemployment Cover PPI
    Cananda Square: 1 Egg Card
    Bank of Scotland: Please see above
    Capital One: one credit card-settled for £299.00

    I was expecting a potential refund of £300 from Bank of Scotland for an old loan. It transpires I had several and the bank has upheld these with very little question. Such a strange situation given that the likes of Santander and Barclays (my own bank since 1991) have grilled me from the outset!

    I am extremely embarrassed to find aged 47 I had so much insurance I was unaware of. I pride myself on being methodical and meticulous in my business but, debt to me has always meant shame!

    A great win today from Bank of Scotland and years of debt may have ironically been quite advantageous, though I would never wish to be in that position again!

    I should possible mention that I worked full time for British Airways PLC for over 13 years and received 6-12 months full pay for sickness and good redundancy cover...I'm wondering if this information has made a difference with regards eligibility of the PPI....

    Thank you so much to this fantastic forum and those that very kindly give their time to honestly moderate


    Do hope I can bring you more good news soon...keep doing what you are doing-it really makes a difference!
    Last edited by commoditygirl; 28-05-2019 at 8:18 PM.
    • RonoB
    • By RonoB 28th May 19, 8:44 PM
    • 29 Posts
    • 18 Thanks
    RonoB
    Many congratulations. Thanks for posting your success and good luck with the rest. How long has it taken for BOS to get back to you. Was it the full 8 weeks? Iím about 5 weeks in for most of mine. Had plevin success with capital one. Was only £173 but got it in 5 days of applying and all for an email!
    X
    • commoditygirl
    • By commoditygirl 28th May 19, 8:50 PM
    • 3 Posts
    • 2 Thanks
    commoditygirl
    Hello!

    Thank you so much...it was a massive surprise. Most of my borrowing/insurance was with other lenders so I really wasn't expecting this.

    It took 6.5 weeks in total for BOS from submitting an inquiry to receiving confirmation of payment redress...

    Good luck and keep the faith!
    • Flossie1250
    • By Flossie1250 29th May 19, 4:39 AM
    • 1 Posts
    • 1 Thanks
    Flossie1250
    Woolwich Loan £995 PPI repaid
    I took out a loan with a company who were building our conservatory in 2000. I hadnít realised I was paying PPI, I thought it was part of the loan. Fortunately I still had the paperwork with account details on it.
    Barclays are now responsible for Woolwich. I completed a form on the MSExpert site and received a cheque for £995!

    £393 PPI premiums paid
    £78 interest
    £653 statutory compensation
    Less £131 interest paid for income tax at 20%

    Thank you Martin, I went to investigate my filing cabinet after listening to you talk about the PPI deadline on TV and am delighted with the result.
    • Caeraupracter
    • By Caeraupracter 30th May 19, 4:10 PM
    • 6 Posts
    • 2 Thanks
    Caeraupracter
    Loans and credit card PPI complaint.

    Success story with Lloyds(TSB) and MBNA.

    My wife £13,000 - me £9000 (so far).

    Got it all back after a letter - no need for ombudsman - but there's more...

    Historically I've pooh poohed the idea of making a PPI claim as I used to refuse to take it out for a long time. I was aware I'd had a bit that annoyed me on the odd credit card or loan but didn't think it would amount to anything worth claiming as I'd always payed them off early. I was always on temporary contracts when younger, with no problems with health-benefits at work so PPI was essentially useless.
    Also, the accounts I had these on are mostly long gone and forgotten so I entirely discounted doing a DIY claim as I didn't have enough info.

    But I was persuaded to apply back in January by my daughter in-law who was talking about using a claim firm (a 'reputable' one as far as that is possible) - the line - 'even if you get a few hundred quid it's worth it, and if I didn't use them, I wouldn't do it'. This resonated with me, so I went for it - with a firm as I would have done it otherwise.

    My wife had been approached by Lloyds(TSB?) in 2014, filled out a form to claim back PPI and got £2500 back then - so we assumed she was done. However the form sent by the company we used asked for financially linked people and since we have a joint current account and mortgage I put her name on the form along with mine. All of my accounts likely to be PPI-linked were long before we got married or met so I just put her on for completeness sake - she'd been payed out already right?
    I included every financial institution I've ever used on there to be sure I included all possibilities but knew fine than most of them would be dead ends - as I said - back in the day I usually refused PPI on credit.

    Anyway, I applied in January/Feb 2019. By May I got a letter from MBNA with a £5000 cheque in it. STUNNING! Wow. That was my credit card - that's the big one right - anything else will be smaller.

    Both of us then got letters from Lloyds - 'we are looking into it' - I wondered why they didn't just immediately tell my wife that they'd already paid out a claim for her.

    Late May 2019 - we both get a letter from Lloyds - I will be getting £4000 from them. She will be getting....£13,000 !!!!!!!! Amazing, stunning and er..... well they must have really ripped her off in 2014 then huh?

    I have - also it seems (don't even remember this) - a loan with MBNA too - so I have some more to come probably - decision due in early June as I had to speak to them on that one as 'they wanted some more details on my circumstances' at the time the loan was taken out.

    So on a purely speculative application, not expecting anything much really, we have £22,000 gross - so far. We have to pay 18% to [name redacted] so that takes it down to about £18,000 net - but then if I hadn't used them, I wouldn't have done it.

    Claim - even if it is speculative - very very worth it.
    Last edited by Caeraupracter; 30-05-2019 at 7:22 PM. Reason: company name redacted
    • Moneyineptitude
    • By Moneyineptitude 30th May 19, 4:45 PM
    • 23,778 Posts
    • 13,130 Thanks
    Moneyineptitude
    we have £22,000 gross - so far. We have to pay 18% to CMC so that takes it down to about £18,000 net -
    Originally posted by Caeraupracter
    So £4000 (plus VAT) to that Claim Company for simply putting a stamp on the envelope containing your complaint?
    Last edited by Moneyineptitude; 30-05-2019 at 7:25 PM.
    • Caeraupracter
    • By Caeraupracter 30th May 19, 6:15 PM
    • 6 Posts
    • 2 Thanks
    Caeraupracter
    Or... +£18,000 when not expecting anything.

    plus probably more to come.

    Perhaps you missed the bits where I said I had no memory of even having a loan with MBNA. The credit card I paid off in 2000ish - not a clue what the number was.
    Lloyds I could may be have done myself sure - but then we would not even have considered complaining on my wife's PPI as they allegedly already paid her out - and that's the biggest payout of the lot.

    Very glad I went with them - wouldn't have done it if I hadn't used them - I have no regrets.

    And actually the 18% includes the VAT - they claim their fee is the lowest on the market at 15% - though clearly that's a bit disingenuous.

    Do not get me wrong however, if I had account numbers still and realised we'd even had the PPI on some of these - for sure I'd have done it myself, do it yourself if you can..
    Last edited by Caeraupracter; 30-05-2019 at 6:18 PM. Reason: adding a bit more info.
    • Moneyineptitude
    • By Moneyineptitude 30th May 19, 6:21 PM
    • 23,778 Posts
    • 13,130 Thanks
    Moneyineptitude
    And actually the 18% includes the VAT - they claim their fee is the lowest on the market at 15% -
    Originally posted by Caeraupracter
    If the Claims Company didn't need account numbers then neither did you.

    Do you work for this firm?

    If so, such spam is against forum rules ..
    • Caeraupracter
    • By Caeraupracter 30th May 19, 6:29 PM
    • 6 Posts
    • 2 Thanks
    Caeraupracter
    Why are you being so aggressive? No matter - I am happy even if you seem not to be

    I just called them disingenuous - so no I do not work for them.

    I am posting what I consider a success story - how would you propose people make a claim if they do not even remember that they had an account/loan with a company?

    Especially, as in my wife's case - she had been already paid out by Lloyds as far as we knew. I'd actually be interested in hearing if anyone has a similar case - where they were contacted a few years back *by the bank* - and paid out - yet later on it was discovered essentially by accident, that they were horribly underpaid in fact (i.e. ripped off). (Actually that was really mainly why I posted).

    If you consider me stupid for using a claim firm then that's fine. Is it a requirement that you used Martin's letter for you claim on this forum? I saw it as a question at the top of the thread - not a compulsory thing.
    • Moneyineptitude
    • By Moneyineptitude 30th May 19, 6:48 PM
    • 23,778 Posts
    • 13,130 Thanks
    Moneyineptitude
    £4000 is an outrageous amount, regardless of it being the "lowest on the market"

    Far from being "aggressive", I'm simply countering your promotion of this Claim Company.

    Instead of approaching the Claim Company, you could just have easily approached the Bank about any "additional" finance that may have had PPI.
    • Caeraupracter
    • By Caeraupracter 30th May 19, 7:11 PM
    • 6 Posts
    • 2 Thanks
    Caeraupracter
    Not trying to promote them - I've redacted their name above if it makes you happy. Just trying to tell my story.

    Yes I *could* have - but I would never have actually done so - I know this for fact. And as I said - we were simply unaware that much of it even existed so double would not have ever even known to complain.
    And at the risk of repeating myself - my wife had already been paid out by Lloyds as far as we knew.
    I wonder how many others *think* they've been paid out fairly by the banks when they haven't been.


    Anwyway, this starts to get circular - the bit in bold is what I'd be interested to hear if we're not unique on this one.
    • Moneyineptitude
    • By Moneyineptitude 30th May 19, 7:17 PM
    • 23,778 Posts
    • 13,130 Thanks
    Moneyineptitude
    And at the risk of repeating myself - my wife had already been paid out by Lloyds as far as we knew.
    I wonder how many others *think* they've been paid out fairly by the banks when they haven't been.
    Originally posted by Caeraupracter
    As a final (repeated) response, you didn't need to spend £4K to find this out. Instead of approaching a CMC (whose name still appears in your earlier posts) you could have simply approached the Bank(s) directly..
    • Caeraupracter
    • By Caeraupracter 30th May 19, 7:24 PM
    • 6 Posts
    • 2 Thanks
    Caeraupracter
    Sorry not any more - feel free to remove it from your quote
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