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    • Former MSE Wendy
    • By Former MSE Wendy 9th Aug 07, 5:10 PM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    PPI Reclaiming successes and failures
    • #1
    • 9th Aug 07, 5:10 PM
    PPI Reclaiming successes and failures 9th Aug 07 at 5:10 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

    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 (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.

    Last edited by Former MSE Wendy; 06-06-2012 at 6:58 PM.
Page 1840
    • adindas
    • By adindas 15th Feb 17, 1:07 PM
    • 3,506 Posts
    • 2,182 Thanks
    It should be noted that the originator controls the bank account it is taken from. Not Santander. The bank can load a monitor on the account to manually move it over next day but until the originator changes the account, the dd will keep being deducted from the old one.

    Banks only have control over standing orders.
    Originally posted by dunstonh

    Sorry for not being Clear the credit Card is Santander Creditcard and I have spoken to the Creditcard CS team.

    I have amended it in the original post.
    • Southern trucker
    • By Southern trucker 15th Feb 17, 8:57 PM
    • 1 Posts
    • 4 Thanks
    Southern trucker
    Hi all, just want to share my ppi claim experience, 15th January sent off 2 claims to Lloyds and 2 to Barclays for ppi I had on credit cards and a loan, got a phone call from Lloyds on 23rd Jan just to run through my questionare (5min call), got a letter on 13th Feb saying both claims upheld and received 4000 in my account same day, then yesterday got 2 txt messages from barclays stating both complaints upheld and should receive refunds within 10 days ( not sure how much yet) this only took about half hour to complete forms and cost of 4 stamps, absolutely no hassle , Please if you are thinking of claiming DO IT YOURSELF and keep every penny of what you are owed, DONT pay 30% for someone else to post your letter
    • tinker77
    • By tinker77 16th Feb 17, 12:06 PM
    • 125 Posts
    • 293 Thanks
    Hi just on the off chance I decided to apply for a PPI refund from Natwest for a credit card I have held since 2007. I used the template letter from this website and subsequently within two weeks have an offer of 4,900 from them for miss sold PPI I didn't even know I had and certainly had never had explained to me all those years ago. I am very very happy with the outcome and this will clear my balance on this card that I was struggling to repay due to massive interest and PPI charges.

    I can't thank Martin enough I am a very happy bunny today
    This website has changed my life latest win has been PPI reclaim worth 4,900 awarded by RBS
    • steve_swift
    • By steve_swift 16th Feb 17, 1:58 PM
    • 11 Posts
    • 0 Thanks
    What is the best method of making a claim. The template letters or the resolver tool i have seen mentioned on here. Or even a combination of the two??
    • Nasqueron
    • By Nasqueron 16th Feb 17, 2:14 PM
    • 4,272 Posts
    • 2,497 Thanks
    What is the best method of making a claim. The template letters or the resolver tool i have seen mentioned on here. Or even a combination of the two??
    Originally posted by steve_swift
    Either send in the FOS form to the bank or use Resolver, up to you, doesn't make any difference, they'll contact you if they need any more information
    • JBGN
    • By JBGN 18th Feb 17, 10:24 AM
    • 3 Posts
    • 19 Thanks
    PPi surprise....Barclaycard
    For years I have ummmmed and arrrrrred about claiming......I did in July last year, on a Barclaycard taken out over 30 years ago when I was a student. I called them up direct, gave my details and got the letter back confirming they were looking at it. In August last year I got a letter, accepting my claim and saying they were sorry, they could only look back 21 years but would I accept.........23k !!! It was in my bank within a few days of the letter. To say I was amazed was an understatement - it was made up mostly of compound interest, compensation and penalty charges against Barclaycard - the actual amount of PPi they had taken was relatively small to the payout. I now have a new conservatory thanks to one phone call. I would advise anyone just to give it a add even more icing to the cake - last week I got another letter from Barclaycard apologising again - this time for not sending out correct letters at some point in the history of the card and enclosing another cheque........for 13k again in penalty and compensation!!! Barclaycard seem to be very sorry! In short - GO FOR IT, you have nothing to lose and everything to gain. Just imagine how pig sick I might've been to use a claim company and to have to give them back 30% of that little apology!
    • GlennTheBaker
    • By GlennTheBaker 19th Feb 17, 9:41 PM
    • 2,783 Posts
    • 1,813 Thanks
    In January I submitted a complaint to First Direct via Resolver. I had a vague memory of being advised to have PPI on a personal loan with the selling point being a lower interest rate. I can't remember specific dates so just answered what I could. Last week I received a letter stating my complaint had been upheld and I was due a payment of 5500.
    • terakris
    • By terakris 4th Mar 17, 11:33 AM
    • 117 Posts
    • 112 Thanks
    Egg & Halifax Success
    What were you reclaiming: Loans
    Who was the provider: Egg (now CitiBank) and Halifax
    How much did you get back: 13,642
    Did you get it back after a letter or did you go to the Financial Ombudsman: letter/form

    I have had PPi out of choice before and knew what I was signing up for, but I knew I had been missold PPI on 2 occasions so put in a complaint about these 2 times it was pushed on me. After digging through my old paperwork I found the loan agreements from the loans in question so I thought now was a good time as I had all the paperwork and account references etc I needed to make this as easy as possible.

    Sent forms off to Egg (well CitiBank) and Halifax at the same time.

    About a week later on the same day i receive 2 letters, one from each bank. Halifax have confirmed receipt of my complaint and set out the timeline to investigate, the Egg one simply said the complain was upheld and just over 2k will be on its way to me. A week later the cheque arrived! First success.

    Just over a month passed hearing nothing from Halifax when I received a text message saying they are nearing the end of their investigation and I'll be contacted shortly regarding their decision. I logged onto my online banking a few days later and to my surprise was a PPI refund for over 11,600! I've not had the breakdown from them yet, so there will be some extra tax to pay on the interest, but thats WAY more than I thought I would get.

    I did all this myself, spending no more than an hour filling out 2 forms. Its so easy, I recommend anyone that has been missold PPI in the past to do it all yourself, its simple and pain free to do.
    14/12/2009 - Official Debt Free Day
    31/06/2012 - Officially a home owner! Now, where is that Mortgage-Free Wannabe Board...
    "What the hell is that?" "I don't know, but if cats could sing... they'd hate it too"
    • Jemima1
    • By Jemima1 4th Mar 17, 7:53 PM
    • 2 Posts
    • 1 Thanks
    What were you reclaiming? PPI on personal loans from a subsidiary of Clydesdale Bank dating back 20 years (14 loans in total including loans which included repayment of existing loans).
    How much did you get back:
    17 850!!!!
    Did you get it back after a letter or did you go to the ombudsman?
    I made a telephone call in response to a letter from the bank.

    I'm rubbish with forms to the pint of phobia, and my last loan was 7 years ago. The bank wrote to me saying they thought I may have been missold PPI on two loans, the reference numbers of which they provided (but no other info) and a long form to fill in if I wanted to claim including asking me for details of what I had borrowed the loans for etc. As I have literally no admin left regarding any loans I put the letter away. Encouraged by friends I phoned the bank on the number provided last month, told them about the way PPI was routinely added to my loan applications without proper consultation (and on one occasion I questioned it to be told they don't like to lend without PPI). I was also never told that the PPI was sold on a credit agreement basis with the right to cancel within the statutory cooling down period. The guy I. The other end was helpful but made it clear I had to instruct him what to do (they can't advise you what to do): so I instructed him to investigate ALL loans I had ever had from the bank on the basis of my experience of having been missold. He said he'd pass it to investigators and that they would probably ring me to clarify details. In the end they didn't ring me and yesterday I got a letter offering me 17 850 compensation for 11 upheld PPI complaints! Prepaid envelope provided for me to send signed acceptance form.
    DO NOT BE AFRAID to approach your lender: it's easy, and you've nothing to lose by trying. Good luck.
    • Letssaveit
    • By Letssaveit 6th Mar 17, 3:36 PM
    • 9 Posts
    • 9 Thanks
    What were you reclaiming: PPI on credit card
    Who was the provider: Yorkshire Bank
    How much did you get back: 10,000

    I initially complained in 2012, only to have my claim dismissed, stating I did not pay PPI. I knew I did, but had no evidence to back up my claim so did not persue the matter further. I was then contacted in August 2016 by the bank to say they were reinvestigating my original complaint. My initial thought was "fantastic" but I tried not to get my hopes up. Out of the blue last week I got a letter stating they are now upholding my original claim to the tune of ten thousand pounds. Its taken four years, but I eventually got a positive result. Thank you MSE for pointing us all in the right direction
    • pears23
    • By pears23 8th Mar 17, 12:17 PM
    • 8 Posts
    • 3 Thanks
    Reclaiming PPI from YCC/ DAF
    Hi, just an update on success's:

    Yes Car Credit/DAF - 1000 paid Feb 2010
    MBNA - 175 - Paid Jan 2010
    MBNA - 155 - paid Jan 2010
    HSBC - waiting
    Ocean Finance - 3657 Paid Apr 2010 (Mum's account)
    MBNA (husbands) - 176 - paid Apr 2010
    MBNA /VIRGIN (Husbands) - waiting
    Capital One (Husbands) - waiting
    Ocean/LMC - waiting
    Originally posted by cogsy1983

    Hi please can you give some insight on how you managed to get from YCC/ DAF
    • Labadee
    • By Labadee 9th Mar 17, 12:35 PM
    • 3 Posts
    • 0 Thanks
    Hello, I contacted Lloyds to complain about PPI sale last year in April.
    I sent a 10 cheque and received a bunch of documents plus a letter saying the records don't show I took a PPI policy. Complaint closed.
    Is it worth asking again? I can see on the approval form of the credit card I ticked the box NO on the card protection plan.
    Thank you for your input.
    • zx81
    • By zx81 9th Mar 17, 12:41 PM
    • 16,354 Posts
    • 17,377 Thanks
    Why would it be worth asking again?
    • dunstonh
    • By dunstonh 9th Mar 17, 12:41 PM
    • 92,142 Posts
    • 59,298 Thanks
    I sent a 10 cheque and received a bunch of documents plus a letter saying the records don't show I took a PPI policy. Complaint closed.
    That is fairly clear and the DSAR you requested would be more thorough than just a check the complaints team would do.

    Is it worth asking again?
    Have you any significant new evidence that you were unable to supply before that would likely change the decision?
    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.
    • Labadee
    • By Labadee 9th Mar 17, 12:54 PM
    • 3 Posts
    • 0 Thanks
    Thank you for your reply.
    • Labadee
    • By Labadee 9th Mar 17, 12:55 PM
    • 3 Posts
    • 0 Thanks
    Thank you for your reply
    • Moneyineptitude
    • By Moneyineptitude 9th Mar 17, 12:56 PM
    • 19,999 Posts
    • 10,980 Thanks
    I can see on the approval form of the credit card I ticked the box NO on the card protection plan.
    Originally posted by Labadee
    You ticked "no" to PPI and the Bank cannot find any evidence of a PPI policy on your account.

    What are you hoping will happen if you ask them again?

    Only people who have forgotten they signed for PPI sometimes find that they have it without knowing.

    There really is no evidence to suggest that it was routinely added without the knowledge and permission of the customer. That's a myth sponsored by Claim Companies who just want to sign people up.

    The Bank will only ever refund money you actually paid. No money paid=no refund.

    Case was closed a year ago.

    Don't waste your time (or the bank's) any further.
    • Pinot50
    • By Pinot50 11th Mar 17, 6:43 PM
    • 9 Posts
    • 2 Thanks
    Re:success in PPI claims
    I am new to posting so hope I've posted this the right way. Encouraged by the Martin Lewis website and tv programmes I gathered together all the old financial papers I could find about 4 weeks ago and submitted 8 mis-sold PPI claims. I heard from Santander very quickly in response to claims for 2 Alliance Leicester loans from 2004 and 2007. Was offered just over 800. MBNA are still "investigating" my claim about PPI with a credit card. I also have written to Halifax who are still investigating and to Santander-Debenams about mis-sale of account cover for a store card;no reply as yet. Barclays have said they would not investigate 2 claims in relatoon to PPI with loans as they wrote to me in 2013 about possible mis-sale but I had terrible problems with my husband then (which finally led to divorce last year )so I had just put letter away without looking at it properly until going through statements a few weeks ago. I am asking them to look at their decision again. Does anyone have experience of success after this "over 3yr knock-back"please?
    AIso Barclaycard have just offered me 1412 in relation to admitted mis-sale from 12/11/1974 up until now (I hadn't spotted I had PPI) Neither Barclaycard nor I have statements going back as far as 1994 (my statements go back to 2002)so I accepted the offer believing that would be the best I could achieve but am now wondering if the offer could be challenged?
    Any advice much appreciated!
    • -taff
    • By -taff 11th Mar 17, 9:12 PM
    • 7,404 Posts
    • 5,459 Thanks
    PPI redressis a defined amount, you don't haggle over it unless you are in possession of records that the company doesn't have, such as very old accounts where you've kept the info and they haven't
    • Cber73
    • By Cber73 12th Mar 17, 11:34 AM
    • 9 Posts
    • 0 Thanks
    Why won't Santander pay 8% interest on a successful PPI claim?
    I have had a successful ppi claim with Debenhams via Santander for a store card from 1995 which was closed in 2000. I have no records but made the claim after harassment from 3rd party ppi companies. Santander upheld my claim and paid me 238 full ppi refund and 135 associated interest. I wrote back and asked why I was not eligible for 8% interest, as I had been with other companies and they replied that 'from Aug 2005 they have full transactional history and so they have used this to calculate the difference. Prior to 2005 they do not have full transactional history, but do have full ppi payments and interest charged to my account. Therefor there pre 2005 calculation had used these amounts and averaged the total. Regarding rolling line of credit account such as mine, 8% out of pocket interest is only applied if the card would have had a credit balance had the ppi not been included. My card would not have been in credit in this case (how do they know this is they have no history ?). They then say this is in line with the FOS guidelines. I also queried over limit fees charged as per there response above, and they have advised 'no over limit fees have been applied?'.

    I really do not understand this response, maybe I should, does this sound fair and reasonable? Surely a successful ppi claim that is upheld should have 8% out of pocket expenses paid regardless, as the bank have already upheld they mis sold ppi?
    I would appreciate your advice thank you
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