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  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 19th Apr 12, 2:19 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    Share your stories on PPI Reclaiming claims handlers
    • #1
    • 19th Apr 12, 2:19 PM
    Share your stories on PPI Reclaiming claims handlers 19th Apr 12 at 2:19 PM
    Please let us know about your experiences - good or bad - of using PPI Reclaiming claims management companies.

    How to report your story...

    1. Click reply to enter your views. It's free to post but you do need to register.

    2. Let us know the following:
    • Why you decided to use a claims handler
    • Were you happy with the service
    • How much were you claiming and how much did you get to keep
    • Anything else you want to tell us

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

    Would you be happy to talk to the press? If you're willing to tell your story to the papers, tv or both please e-mail casestudy@moneysavingexpert.com (sorry but we can't answer questions at this email address) with a daytime phone number and where you live.
Page 3
  • squiggler
    A company called The Claims Guide has called my husband on approx 10 occasions, 7 of these within the last 48 hours. I've no idea where they got our telephone number and why they won't take 'no' for an answer. It's really infuriating me.
  • Champions54
    Ppi success!!
    I am a NEWBIE and just had to come on and share this with you all.

    I have watched Martin on TV and visited the Site a few times. I knew I had taken out PPI years ago on a loan (I couldn't remember how much the loan was for, or what year it was. However decided I would complete the online form with my bank (RBS) what did I have to lose. Whilst completing the form I filled most of the boxes with 'unsure' That was six weeks ago. Last week I got a letter offering me 709.25, PPI was 325.72 the rest was made up of interest and good will gesture. I thought that will do me. Then this week I get a further 8 letters - the total offered amounts to 9,665.00. The bank explains that this was for PPI on a 'chain' of loans. I am Happy but shocked, I never knew I had PPI on these loans !! Today I received 5 further letters from my bank quoting Loan numbers but explaining that they can find no paper work going back to 1992, 93, 95 and 96 on these loans, therefore cannot help me. What a surprise - so please everyone you must complete the forms and apply - I can now put new central heating in my flat woopee!!!
  • shaz-deco
    I think i've been had
    Over a year ago I received a phone call regarding mis-sold PPI for my mortgage, after being passed through various legal teams who were "looking into if I had a claim and how much I could expect to receive" I was dazed with the grand figure of over 10k, they then proceeded to tell me that due to many people receiving settlement figures direct resulting in them not being paid for their time so now request 300 up front to investigate and ensure there was a claim, no win no fee, i thought it seemed fair enough.

    A couple of weeks later a phone call to say they have confirmed there is a claim so require the fee based on the amount they think I will get (as you can imagine based on over 10k this was a hefty figure). I explained I could not afford this kind of money so would no longer like to pursue to which I was told it would not be possible to get the 300 refunded and the claim would be sorted in a couple of months so would only result in a couple of months interest. Not wanting to waste the 300 I fell for it hook line and sinker - what a mistake.

    So now over a year later I am faced with the reality that HSBC have defended their position saying their isn't a claim, I am no longer sure there is so no point in court proceedings I feel. When I have chased they have said "there is a form we need you to sign which they duly send out. Trouble is now tre repeats of forms filled out when we first began looking into things.

    How the heck do I get my money back. My husband does not think I will, they will likely go out of business before we get anywhere with trying. If only all of the advice on doing it yourself had been there at the time, it is everywhere now and would have been the way I went about it.

    The name of the company - We Fight Any Claim.

    I am considering what to do next.
    • Moneyineptitude
    • By Moneyineptitude 15th Jun 12, 10:47 PM
    • 20,358 Posts
    • 11,264 Thanks
    Moneyineptitude
    How the heck do I get my money back.
    Originally posted by shaz-deco
    I truly fear you never will.
    Thanks for sharing here, though, at least it's a warning to others.
    • amersall
    • By amersall 16th Jun 12, 12:57 PM
    • 15,259 Posts
    • 18,860 Thanks
    amersall
    Over a year ago I received a phone call regarding mis-sold PPI for my mortgage, after being passed through various legal teams who were "looking into if I had a claim and how much I could expect to receive" I was dazed with the grand figure of over 10k, they then proceeded to tell me that due to many people receiving settlement figures direct resulting in them not being paid for their time so now request 300 up front to investigate and ensure there was a claim, no win no fee, i thought it seemed fair enough.

    A couple of weeks later a phone call to say they have confirmed there is a claim so require the fee based on the amount they think I will get (as you can imagine based on over 10k this was a hefty figure). I explained I could not afford this kind of money so would no longer like to pursue to which I was told it would not be possible to get the 300 refunded and the claim would be sorted in a couple of months so would only result in a couple of months interest. Not wanting to waste the 300 I fell for it hook line and sinker - what a mistake.

    So now over a year later I am faced with the reality that HSBC have defended their position saying their isn't a claim, I am no longer sure there is so no point in court proceedings I feel. When I have chased they have said "there is a form we need you to sign which they duly send out. Trouble is now tre repeats of forms filled out when we first began looking into things.

    How the heck do I get my money back. My husband does not think I will, they will likely go out of business before we get anywhere with trying. If only all of the advice on doing it yourself had been there at the time, it is everywhere now and would have been the way I went about it.

    The name of the company - We Fight Any Claim.

    I am considering what to do next.
    Originally posted by shaz-deco
    Read this thread especially post 9.

    http://forums.moneysavingexpert.com/showthread.php?t=3639125&highlight=we+fight+any+cl aim

    • magpiecottage
    • By magpiecottage 16th Jun 12, 8:47 PM
    • 9,086 Posts
    • 5,584 Thanks
    magpiecottage
    It is some time since I wrote that post but it still applies - so click on the link and run with it.
  • tyneside Eagle
    Store Card PPI
    With all the publicity about Store Card PPI misselling I decided to look into a Debenhams Store Card I had from the 1970s till I paid it off in 2008. Originally it was with Debenhams Cardholder Services, then taken over by GE Money and now by Santander. On digging out an old 2008 Statement it states in the Insurance Information section that PPI payments will be made for me.

    Bearing in mind I probably used the card regularly over abot 20 years is it worth me trying to pursue Santander now even though it was previously administered by other companies before they took it over. Any advise appreciated
  • moribundle
    I have been lucky enough to have a 7000 settlement offer which I will accept for 10 loans between the late 90's and 2005. However, 3,200 of this is the statutory interest at 8%. Does anyone know how the tax man is going to work out how much I owe them? I am just into the 40% tax range this year, but when I had the loans I was always in the lower tax bracket? Do they have records of this, or will I have to pay 40% of the 3200?
    • Eastlands70
    • By Eastlands70 21st Jun 12, 2:50 PM
    • 47 Posts
    • 16 Thanks
    Eastlands70
    I am a NEWBIE and just had to come on and share this with you all.

    I have watched Martin on TV and visited the Site a few times. I knew I had taken out PPI years ago on a loan (I couldn't remember how much the loan was for, or what year it was. However decided I would complete the online form with my bank (RBS) what did I have to lose. Whilst completing the form I filled most of the boxes with 'unsure' That was six weeks ago. Last week I got a letter offering me 709.25, PPI was 325.72 the rest was made up of interest and good will gesture. I thought that will do me. Then this week I get a further 8 letters - the total offered amounts to 9,665.00. The bank explains that this was for PPI on a 'chain' of loans. I am Happy but shocked, I never knew I had PPI on these loans !! Today I received 5 further letters from my bank quoting Loan numbers but explaining that they can find no paper work going back to 1992, 93, 95 and 96 on these loans, therefore cannot help me. What a surprise - so please everyone you must complete the forms and apply - I can now put new central heating in my flat woopee!!!
    Originally posted by Champions54
    I'm about to send a SAR letter to RBS. I had 6 loans taken out with them between late 1994 and Spring 2000 which I suspect had PPI front-loaded on all (can't say for sure but the pattern seems to be that back then most banks just whacked it on as a matter of course without discussing it with the customer in any great detail or worse still, not at all - my memory is good but I can't recall any conversation regarding PPI with any of the people that dealt with my 6 loan applications) so that doesn't bode well for me in terms of retrieving paperwork for the earlier loans at least. However, if they do come up with something then I'll post it on here. On the flip side, well done for your other successful claims plus with you saying that you answered "unsure" on some of the sections it gives hope to those of us that can't remember everything about every loan or credit card application we made in the distant past.
  • goonlecker
    My wife arranged for a CMC to visit her in march this year re: claiming back PPI. My wife however didn't tell me about this until after she signed up with them. After I calmed down she said it was only for her own claims on credit cards. In the past however we have had joint loans with Black Horse & First Plus. Having read such good things on this site I decided to make claims for Mis-sold PPI on both of these loans myself, both of which we are still awaiting replies for. In the meantime the CMC keep phoning my wife about these two loans asking her where we are up to with them. First of all my wife said she is not sure if she mentioned these two joint loans to the man from the CMC? but they seem to know about them. Secondly I haven't signed anything with them and certainly would not. Shall I tell the CMC to get lost or do they have a claim on these two loans as my wife has signed a contract with them?. or can they claim on her half of the loans rebate if they are upheld?
    • Moneyineptitude
    • By Moneyineptitude 21st Jun 12, 8:54 PM
    • 20,358 Posts
    • 11,264 Thanks
    Moneyineptitude
    can they claim on her half of the loans <redress> if they are upheld?
    Originally posted by goonlecker
    The answer is yes, unfortunately.
    • magpiecottage
    • By magpiecottage 21st Jun 12, 11:15 PM
    • 9,086 Posts
    • 5,584 Thanks
    magpiecottage
    The answer is yes, unfortunately.
    Originally posted by Moneyineptitude
    Actually, I suspect the answer is no - because they are unable to pursue the complaint without your consent, which you have not given, and and since any offer would amount to personal data, the lender should not release details to them either.

    I think an argument that it is unfair, within the context of the Unfair Terms in Consumer Contracts Regulations 1999, for them to demand a share of redress in relation to a complaint which they have never been able to pursue on your behalf, would be looked on sympathetically by the MOJ.
    • richje100
    • By richje100 29th Jun 12, 7:28 PM
    • 52 Posts
    • 6 Thanks
    richje100
    My wife signed up to inveater compensation they told her their fee was 30% sloshed signed up because they said she stands a better chance in getting the misold ppi back. We had no letters or calls off them , we even chased them ourselves and was told to chase lloyds tsb if we wanted. We made several calls to them chasing a current position. A few months later we had a letter off lloyds with 3k. Then a week later an invoice off the comp firm for their cut but now it seems it's 30% + vat. They called my wife today with attitude and demanded the money even said they will call every hour until she gives tem et bank details so they can apply direct. I called them and asked them to justify what work they had done to earn the 30%. They were supposed to have rung me back today with the info for me but hasn't . Just wonder of anyone can give advice about negotiating a lower fee. As far as I'm concerned all try done was pass on the claim.
  • ppidisgrace
    yes lots of ifas mis-sold ppi
    many many many
    look at the number of fscs claims via brokers and ia's who are now out of business
    what a lot have done is pinched their old database, set up new company and now contact old clients advising them that their old agreement had ppi and they have all the paperwork etc , and that they can make a ppi claim for them
    its very sad but true
    • dunstonh
    • By dunstonh 19th Jul 12, 9:52 AM
    • 92,949 Posts
    • 60,326 Thanks
    dunstonh
    yes lots of ifas mis-sold ppi
    many many many
    Evidence?
    How about the FOS stats for 2011/12 which showed that just 0.2% of PPI complaints are advised cases. That is tied agent, mortgage adviser and IFA.

    So, the FOS dont report many.

    Look at the number of fscs claims via brokers and ia's who are now out of business
    Yes. Lets look. The FSCS published stats just this week. They showed that just 5% of complaints they deal with regarding mortgage advisers were upheld. 95% were rejected as not being mis-sold.

    Now lets look at claims companies. The FSCS say that around 71 per cent of claims made against mortgage intermediaries came from claims management firms in 2011/12. Some 850 of the claims made against brokers came from claims firms in 2011/12, compared to 341 claims made by individuals.

    So, that would indicate that claims companies are once again sticking in fraudulent try-it-on complaints with little hope of success.
    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.
  • Bleuty
    Morning all,

    On the subject of re-claiming PPI; I'm currently going through the process and MBNA and Halifax have been faultless - bar their initial fault of miss-selling PPI.

    Anyway, I come to the dreaded Natwest.

    I no longer have an account with them so in order to retrieve the info i need to progress, after speaking to around 5 different departments, I was told I needed to write to their Manchester office where they deal with archived accounts as they don't have emails or telephones (?). A bit of a pain but no real problems in the grand scheme of things...you would like to think...

    I've lost track of how long this has been dragging for now but I've written 3 times, made 2 complaints via their website and made several more phone calls but I still haven't heard a thing. Not a 'we've received your complaint and will be in touch shortly' email, call or letter. Not a 'we've received your 3 letters and are processing your request'. Not a thing.

    I'm not totally sure where to turn now. I'm writing to the FSA and a few national papers (just in case they're writing a feature) but after that, I'm out of ideas bar sending letters in bulk in the hope that one will get read.

    Any suggestions would be gratefully received.

    Thanks in advance
    Ben
  • jdwmfc

    Any suggestions would be gratefully received.

    Thanks in advance
    Ben
    Originally posted by Bleuty
    You need a SAR,
    Look on here for a template and ideas on what to ask for,
    http://forums.moneysavingexpert.com/showthread.php?t=1475553
    CC 1 :- 5800/ 5,800 CC2:- 4513 / 4513 CC3: 4622.53/ 4622.53[/STRIKE] CC4:- 8971/ 8971[/STRIKE]
    Loan:- 1785.63 / 1785.63 0

    Actual total debt January 2011 39,451.30 Paid to date 39,375.77
    PPI from HSBC = 4172
  • Deputy Dawg
    Let us know the following:
    • Why you decided to use a claims handler
    - PPI Claim line cold called me and seemed to know far too much for it to be a scam! I didnt like attitude of the first guy much and refused to give extra info but they knew size of loan, when taken out etc. - told by FSA they said.Only thing they asked me about was who loan from and I wasnt sure so named who I believed it was. A long way down the conversation -with another rep- he said there was a 25% cost if they won so I said not interested.


    Paperwork arrived anyway -twice. But by then I had found loan papers and it was a different company who didnt seem to have persuaded me to take PPI - which was as I remembered it, but they seemed so sure. So I destroyed paperwork.
    • Were you happy with the service/ Anything else you want to tell us
    - Happy until today OK cos they seemed to have gone away. HOWEVER - today they phoned to say my claim had been approved and when i questioned how as I had given no approval to pursue a claim the caller assured me I had, and got really shirty when I said I hadnt and didnt want them to. Said he would return the money to Court of London (or some such), that I couldnt pursue claim via anyone else, thank you,goodbye and slammed phone down. Now it really really seems like a SCAM to me.
  • lespaulstrata
    PPI - Charges - No win, no fee - lies - terms and conditions - beware
    hi,
    newbie here so bare with me.
    using a company that advertise on sky channels, slick, and look a nice set up.
    anyway, cut to the chase, i've been awarded 2,000, of which ppi co. will take 25% plus vat - which is ok as i was told this over the phone when they first contacted me. at the time i specifically asked "no hidden charges" and "nothing will jump out later" - "no hidden and 25% + vat is all ever i'll pay was reply". "no win, no fee"
    Fine, get on with it then.
    I get invoice from them and there is a one-liner stating "subject to service charge or 100 minimum". whats this i ask myself.
    So i call them up and they say "if your awarded over 400, then you get charged VAT, if its below 400 then your charged 100". i'm now concerned as when i stated "no hidden charges", they say they are not, its in the term and conditions. I read relevant paragraph back to them which gives an example of 1000 award less 25% etc etc which i understand and agree. however, underneath this there is a "subject to 100 minimum charge". i ask what this is in relation to, and its the 400 scenario. BUT they dont give an example of minimum fee's, just an award to captivate you. I'm now incensed, because, and i asked them this question "so, if i'm awarded 25, you will keep it and invoice me for 75" which is minimum charge - answer YES. I ask to speak to a supervisor, NO. is response, dont have any ?? "how do i complain", cost me 10 for a "complaint pack".....it then turns into me being patronised and talked to in a condescending manner and they keep throwing "you signed the T&C" at every stage of my discussion "signed T&C....." and they say THEY are covered as Financial Ombusdmen and MOJ have endorsed their T&C - so essentially, tough !!!!!
    i have been awarded 210 from 2 other sources of which i will receive 10 !!!!!!!!!.
    i can name and shame the company, but not sure if it infringes rules.
    by the way i rang MOJ and am awaiting a call back as they see this as entrapment.
  • Hinckley_saver
    Just to give my experience claiming PPI.

    I've lurked on MSE for some years now, I reclaimed thousands in bank charges and a few months ago got my act together on PPI. Using the templates I wrote to four credit card companies.

    Halifax were a no, two more are still being tracked but I received over 4,000 from another.

    Delighted is an understatement. Thank you to everyone that has campaigned on this, it really is appreciated and the money will be well used to expand my business.
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