PPI Reclaiming successes and failures

klflosser · 22 August 2011 at 5:04PM

Thought I would ring Barclays and the number I chose happened to be the one that dealt with the credit card, not the loan. Having held on for some time got a very helpful gentleman who said my offer letter had been sent out on 9th August. He said it was for a very large amount, in excess of £18k!
I have not received any offer letter, which evidently is meant to be returned within 10 days. They will send me out another offer letter tomorrow as it has missed todays post.
I then rang the number for the loan PPI and they could not discuss it with me as he said it wasn't "on their system" and he could not ask me any security questions . I asked if they had the reference numbers logged and he said he couldn't discuss it. I explained the situation and that complaint was sent before April and he said if I hadn't heard by 31st August to ring again.

tifosi · 22 August 2011 at 5:13PM

Banks0mewin wrote: »

Hi All,

Update:

Just spoke to Halifax who are upholding my CC PPI complaint :T:T:T:T:T, which I cleared but had a one time balance of £17750 over a 4year period. They say an upheld/acceptance letter is in the post but it has no figures on it. I spoke to the Halifax about this they say they will still stick by the refund of all premiums and 8% interest.

My first question: Has anyone else experienced the 'no figure' acceptance letter?

My second question: Can anybody work out a possible figure?

Hi,

that needs WAY more info before anyone can hazard a guess at a likely settlement

What was the interest rate charged on the CC?

Was this the same rate charged on the PPI premiums?

Dont quite get the "One time balance of £17750" - how long did this high balance exist for, and when did it first reach that amount?

Can you give an example of a monthly premium you paid for PPI when it was at the highest balance?

DrSqueeze · 22 August 2011 at 5:22PM

Got some good news today, the first of my Black Horse complaints has been upheld and they've offered me just under £700, which is more than I expected! :beer:

I've got another one 'pending' with them, so I hope they come to the same conclusion on that too

DrSqueeze · 22 August 2011 at 5:23PM

Banks0mewin wrote: »

They say an upheld/acceptance letter is in the post but it has no figures on it. I spoke to the Halifax about this they say they will still stick by the refund of all premiums and 8% interest.

My first question: Has anyone else experienced the 'no figure' acceptance letter?

Well done on your win! :beer:

I had one from the Bank Of Scotland which didn't have any figures, just a promise of a full refund plus interest. I'm still waiting for the cheque, so it will be interesting to see how much.

sunny8_2 · 22 August 2011 at 5:43PM

Banks0mewin wrote: »

Hi All,

Update:

Just spoke to Halifax who are upholding my CC PPI complaint :T:T:T:T:T, which I cleared but had a one time balance of £17750 over a 4year period. They say an upheld/acceptance letter is in the post but it has no figures on it. I spoke to the Halifax about this they say they will still stick by the refund of all premiums and 8% interest.

My first question: Has anyone else experienced the 'no figure' acceptance letter?

My second question: Can anybody work out a possible figure?

Congratulations on your win :money::money::T:Txx

sunny8_2 · 22 August 2011 at 5:44PM

DrSqueeze wrote: »

Got some good news today, the first of my Black Horse complaints has been upheld and they've offered me just under £700, which is more than I expected! :beer:

I've got another one 'pending' with them, so I hope they come to the same conclusion on that too

Congratulations :money::money::T:Txx

sunny8_2 · 22 August 2011 at 5:45PM

klflosser wrote: »

Thought I would ring Barclays and the number I chose happened to be the one that dealt with the credit card, not the loan. Having held on for some time got a very helpful gentleman who said my offer letter had been sent out on 9th August. He said it was for a very large amount, in excess of £18k!
I have not received any offer letter, which evidently is meant to be returned within 10 days. They will send me out another offer letter tomorrow as it has missed todays post.
I then rang the number for the loan PPI and they could not discuss it with me as he said it wasn't "on their system" and he could not ask me any security questions . I asked if they had the reference numbers logged and he said he couldn't discuss it. I explained the situation and that complaint was sent before April and he said if I hadn't heard by 31st August to ring again.

WOW!! Congratulations :money::money::T:Txx

amersall · 22 August 2011 at 6:12PM

LynK wrote: »

I asked for a full Subject access request, I actually downloaded the letter from these forums.

If you have asked for a SAR,then you have complied with the payment for these,get back in touch and ask them what they want from you,and that you will put a complaint in to the ICO if you do not recieve all information they have have on your accounts.

amersall · 22 August 2011 at 6:14PM

Obiewan wrote: »

Just a quick Update posted a couple of year`s ago regarding a big win against First Plus ...... And after all the outrage regarding PPI both me and the wife have being quietly going about chasing most of the company`s who have charged PPI on a number of accounts we have held over the years ...... all with the templates from this site

Success`s as follows

Co-op Credit card Received £313 Wife`s account:j
First Plus £700 + 330@ 8% PAYMENT IN 6 -8 WEEKS :mad: another account still out standing.
M&S confirmed in a letter not only 1 of my wife`s` personal loans but 4 in total will be back to us in 4-5 weeks .:beer::T

Still outstanding

Barclaycard Credit card due for a reply by the 1st September .
Yorkshire Bank personal loans 2 old accounts .....Wife`s`

Failures

M&S Charge Card

All i can say is a big thanks to Martin you and the team you all deserve Knighthoods :T

I will update you all when i have more news :j

Never give UP and Never Give IN :A

:j:j:jAb Fab :money::money:

amersall · 22 August 2011 at 6:16PM

sunny8 wrote: »

OMG!!!!!!! YYYYYYYYYYYYYYYYYYYYYYIIIIIIIIIIIIIIIIIIIIIIIIIIPPPPPPPPPPPPPPPPPPPPPPPPEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEEE!!!!!!:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:beer:
Cant believe it..after nearly an hour on the phone to MBNA, rang the loans line & asked a lovely girl called 'lisa' if she could look in to my file...and....YES...YES....YES.........paid out on both loans:D:D:D:D:D:D:D
I had 1 loan, then consolidated it after 18 months for a further 18 months....Lisa said my cheques have been raised and have went to be signed off so i should receive them within the next week or so....fingers crossed...:eek::eek::eek::eek::eek::eek:
I should be paid £2158.97 & £1320.66 wow, wow, wow!!
She said the calculations should be with the letter!!!!:rotfl::rotfl:
I will have never had so much money in my hand that is mine!!!:j:j
As soon as the cheques are cleared they are going towards outstanding debts.. and then when my oh gets paid out on Natwest , we will hopefully be nearly debt free:j:j:j:j What a feeling that will be:A:A:A

Thank you to all you superstars on here, di, amersall, derwent, niggly, tifosi and ALL you out there ..as without your ongoing stories & support i wouldnt of done it!!!:j:j:j MWAH xx

:j:j:jWell done :beer::beer: and you are very welcome xx :money:

PPI Reclaiming successes and failures

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