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  • FIRST POST
    • 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
    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 6:58 PM.
Page 1864
    • EmergencyNurse
    • By EmergencyNurse 4th May 18, 6:17 PM
    • 80 Posts
    • 156 Thanks
    EmergencyNurse
    I filled out an online form for a BHS card and Debenhams card I had which Santander confirmed I paid PPI. I got a letter on Saturday asking me to confirm what sick pay I would have received as the policy for my PPI I would not have been able to claim on if I got money from my employer. I did not choose to take out PPI on either of these cards neither was a PPI opt out option given to me. Has anyone else had the same experience and did you get any success?
    Originally posted by PINKANGEL12
    I had the same experience with Santander, I worked for the NHS at the time I was paying PPI, I was able to prove that I would have received sick pay and the length of time it would last and my eligibility. I suggest you find your contract of employment or contact the employer about employee benefits you would have been eligible for at that time.

    I did my claim through Resolver and included all the details in my initial claim. They acknowledged the claim almost immediately and I received a refund within eight weeks.

    All the best.
    Debt March 2018 27,596 DMP Start June 2018 Debt Free Date 2022
    • jacquelrose
    • By jacquelrose 4th May 18, 7:22 PM
    • 2 Posts
    • 0 Thanks
    jacquelrose
    I have just been informed I am successful for an old Egg credit card PPI Refund however, it has been sent to my insolvency practitioner even though my IVA failed nearly a year ago as it is an asset. My IVA failed as I have been on long term sick with back disc condition, chronic pain and depression and had to resign from my job, my creditors refused to give me a 6 month payment break and I have since agreed payment plan with my creditors and one wrote the debt off. However, I have been on ESA which the DWP stopped in March statting I am 'fine' and ignoring my GP and Specialist, MRI results so I am going to tribunal again which I did 7 years ago with my lower back and won previoulsy, however this does not help my financial situation as no income, live alone, have just signed on JSA even though cannot sustain work, my landlady has also sold the property so I have to move by 1st July and am in arrears with my rent and utilities which I have told the IP regarding my PPI refund and they said as I claimed myself they will let me have 10% which will be 100-150. I have contested this when priority debts of rent, utilities and council tax should be taken into consideration against non priority debts of creditors especially when one creditor wrote the debt off. IP have not asked for any evidence of my landlady giving notice, arrears, bills arrears or bank statements, DWP letters evidence of ESA stopped. Surely my rent and living costs are priority, I get that I have no assets and this is seen as an asset despite the Egg card not being part of the IVA agreement either. Advice please?
    • Nasqueron
    • By Nasqueron 5th May 18, 9:34 AM
    • 4,952 Posts
    • 3,002 Thanks
    Nasqueron
    I have just been informed I am successful for an old Egg credit card PPI Refund however, it has been sent to my insolvency practitioner even though my IVA failed nearly a year ago as it is an asset. My IVA failed as I have been on long term sick with back disc condition, chronic pain and depression and had to resign from my job, my creditors refused to give me a 6 month payment break and I have since agreed payment plan with my creditors and one wrote the debt off. However, I have been on ESA which the DWP stopped in March statting I am 'fine' and ignoring my GP and Specialist, MRI results so I am going to tribunal again which I did 7 years ago with my lower back and won previoulsy, however this does not help my financial situation as no income, live alone, have just signed on JSA even though cannot sustain work, my landlady has also sold the property so I have to move by 1st July and am in arrears with my rent and utilities which I have told the IP regarding my PPI refund and they said as I claimed myself they will let me have 10% which will be 100-150. I have contested this when priority debts of rent, utilities and council tax should be taken into consideration against non priority debts of creditors especially when one creditor wrote the debt off. IP have not asked for any evidence of my landlady giving notice, arrears, bills arrears or bank statements, DWP letters evidence of ESA stopped. Surely my rent and living costs are priority, I get that I have no assets and this is seen as an asset despite the Egg card not being part of the IVA agreement either. Advice please?
    Originally posted by jacquelrose
    This is the correct process, your PPI refund is pre-IVA asset and is correctly given to the IP to distribute to the people who you borrowed from and did not pay back. You should be happy you got some money at all. It is logical that you should not gain extra money back from money you did not pay in the first place
    • jacquelrose
    • By jacquelrose 5th May 18, 10:53 PM
    • 2 Posts
    • 0 Thanks
    jacquelrose
    I understand that however I am paying my debts back, I have arranged a payment plan with my creditors outside of the IVA. Priority debts vs non priority debts however is my query when am about to be made homeless and unable to rent anywhere else with no funds or clear my current rent and utility arrears, as all this does is force me into further debt.
    • Amberpaul
    • By Amberpaul 6th May 18, 11:28 AM
    • 8 Posts
    • 1 Thanks
    Amberpaul
    Hi Dunstonh,

    Just a quick one to say I have finally been successful with my claim against Santander (previously Abbey National) and have been offered 1,950 for my claim of 20 year ago. Although there was a bit of tooing and frowning, in relation to them saying they couldn't locate my accounts even after a lot of copy documents being provided. In a last ditch attempt to get my account numbers as they did not show up on my bank account statements, I wrote to my bank (Natwest) who provided me with a very helpful letter which I sent on to Santander, after which I received my offer. Definitely go through this process on your own, don't use a company that take a percentage if successful. Am so pleased I preserved.
    • Nasqueron
    • By Nasqueron 6th May 18, 12:42 PM
    • 4,952 Posts
    • 3,002 Thanks
    Nasqueron
    I understand that however I am paying my debts back, I have arranged a payment plan with my creditors outside of the IVA. Priority debts vs non priority debts however is my query when am about to be made homeless and unable to rent anywhere else with no funds or clear my current rent and utility arrears, as all this does is force me into further debt.
    Originally posted by jacquelrose
    It doesn't force you further into debt as the money was never yours in the first place so if you were planning on spending it before checking these things out, that's a dangerous game. Rules are rules
    • jaks
    • By jaks 9th May 18, 10:20 AM
    • 2 Posts
    • 3 Thanks
    jaks
    Variation in responses
    I made a claim against EGG with whom I had a credit card sometime between 2000 and 2010. I had no details or paperwork but they nevertheless responded positively and I was awarded 52.00 (not a great deal compared to some of the amounts awarded on this forum but nevertheless better than nothing).

    I've made a claim against NEXT with whom I am still a customer; they admitted that I'd paid just over 120.00 in PPI. They sent me the Letter of Authority but then said that I hadn't returned it (which I had, along with a cover letter) and threatened to close the case. I returned the second Letter of Authority along with a cover letter of complaint and have now received an apology stating that they are looking into the matter and that if I am not satisfied I can refer the matter to the FO. It seems extraordinary to me that they can admit that I paid PPI but to then drag the case out.

    I made a claim against M&S with whom I had a credit card but who advised me that I never had PPI even though I'm sure that I did (it's interesting how someone else on the forum was successful in their claim against M&S and who had a credit card within the same time frame - and when M&S were pushing their customers in store to take out a card with them).

    I have just submitted a claim to GUS (Grattan and Look Again) and have yet to work through the bank and the mortgage companies.

    Thank you Martin and Resolver for this excellent service.
    • zx81
    • By zx81 9th May 18, 10:41 AM
    • 17,773 Posts
    • 18,879 Thanks
    zx81
    it's interesting how someone else on the forum was successful in their claim against M&S and who had a credit card within the same time frame - and when M&S were pushing their customers in store to take out a card with them
    Originally posted by jaks
    It's not really that interesting. Different customers, different sales people, different circumstances.

    Not everyone took PPI and not everyone who did was mis sold.
    • Moneyineptitude
    • By Moneyineptitude 9th May 18, 11:29 AM
    • 20,637 Posts
    • 11,491 Thanks
    Moneyineptitude
    I made a claim against M&S with whom I had a credit card but who advised me that I never had PPI even though I'm sure that I did (it's interesting how someone else on the forum was successful in their claim against M&S and who had a credit card within the same time frame - and when M&S were pushing their customers in store to take out a card with them).
    Originally posted by jaks
    Your logic is very flawed there. Why should you get a refund of PPI which the Bank's records show you never had simply because someone else had the insurance and was mis-sold it? Not everyone in a given time period was mis-sold PPI. Not everyone who had PPI was mis-sold it.

    Unless you can provide solid documentary evidence that your account had PPI, you have nowhere to go with this...
    • Moneyineptitude
    • By Moneyineptitude 10th May 18, 12:07 AM
    • 20,637 Posts
    • 11,491 Thanks
    Moneyineptitude
    It seems extraordinary to me that they can admit that I paid PPI but to then drag the case out.
    Originally posted by jaks
    It's not somehow wrong simply to have had insurance...
    You really need to understand that administrative errors can happen in any business and that there was no conspiracy to deprive you of your 120.

    The banks frequently refund many thousands of pounds to individual complainants. By comparison your redress is peanuts and such amounts will normally be refunded without any investigation.
    • dottyf
    • By dottyf 10th May 18, 3:16 PM
    • 12 Posts
    • 2 Thanks
    dottyf
    Santander store cards
    I had the same experience with Santander, I worked for the NHS at the time I was paying PPI, I was able to prove that I would have received sick pay and the length of time it would last and my eligibility. I suggest you find your contract of employment or contact the employer about employee benefits you would have been eligible for at that time.

    I did my claim through Resolver and included all the details in my initial claim. They acknowledged the claim almost immediately and I received a refund within eight weeks.

    All the best.
    Originally posted by EmergencyNurse
    I have also received one of these letters from Santander regarding Debenhams store card. I was also employed in the Public Sector at the time of taking this card out and have followed your lead in providing them with as much information as possible.
    On a more positive note, I also applied for Plevin on a Dorothy Perkins account and BHS which had been rejected some years ago.
    Within three weeks, had full payment for PPI on both accounts. Was very impressed by speed. Now just keeping my fingers crossed for Debenhams.
    • emsjune78
    • By emsjune78 10th May 18, 9:03 PM
    • 562 Posts
    • 5,664 Thanks
    emsjune78
    Hi All,

    I've had some successes so far and I currently have two investigations ongoing. One for a Dorothy Perkins storecard with Santander and one for a credit card with Lloyds. In both cases when they were taken out I was a Modern Apprentice, going to college once a week on day release. Although I was essentially employed, and received some payment, 40 a wk as I remember, it is my understanding that I couldn't have been made redundant in the standard fashion for the duration of the apprenticeship. Is this a potential reason for mis sale? I have provided this detail to both, as well as in relation to a pre-existing medical condition. Santander wrote to me asking for specific details which I provided, along with proof. Lloyds rang me and I discussed with them over the phone. Lloyds 8 wks is up on Tues and no decision as yet.

    I have read many posts from this thread and found it really useful. I haven't seen many stories of old Arcadia Group/GE Capital storecard cases being upheld by Santander. They initially couldn't find my records at all and sent me to New Day, despite an account number and paperwork. New Day sent me back to them and they then found my details. The guy I spoke to on the phone could access the account straight off. That account was opened in 1997 and only closed last year so still showing on my credit file. Due to that there was a delay in starting that investigation and the 8 wks there isn't until the end of the month.

    If anyone has any opinions or experience of similar with the apprenticeship, I'd be grateful to hear them.

    Thank you
    • EmsLdn
    • By EmsLdn 11th May 18, 12:32 PM
    • 42 Posts
    • 33 Thanks
    EmsLdn
    Hello all,
    I had an Argos store card many years ago to spread the cost of a new sofabed. The sofabed and the debt are both long gone so I was pleased as punch when they wrote to me at an old address (I still have friends there) to say they were sorry and that I should be entitled to some PPI money back. I expected about 20 but ended up with just under 800.
    After I procrastinated for a while, I contacted Egg. I had a card and then a loan with them - again - many years ago. They've recently awarded me just over 2,000.
    Finally, I remembered I had a Capital One card back in the early 2000. They have awarded me around 70. Not bad in my opinion!

    I have a question though for anyone who had an Egg card and then a loan who also did a PPI claim with them. Did you apply twice (once for the loan and once for the card) or did you only need to apply once for PPI refund? When my initial application was submitted, it didn't give me a chance to enter details for both the loan and the card - so I just did the loan.

    Hope you're all remembering to put on your sunscreen!
    • Yvette McIntosh
    • By Yvette McIntosh 12th May 18, 8:15 PM
    • 2 Posts
    • 3 Thanks
    Yvette McIntosh
    Successful Plevin Claim
    I read a previous post regarding !!!8216;Plevin Rule!!!8217; and ino provided by Martin Lewis.

    I was turned down by Egg some years ago. I made my complaint to the Ombudsman, who ruled in favour of Egg. (It was an Egg Loan)

    I read on the forum 3 weeks ago about the Plevin Rule!!!8217;. I completed the relevant template and marked it Plevin Rule. I received a letter from Canada Square Operations who acknowledged my claim, and within 2 weeks I received a response upholding my claim. I was sent a cheque in the sum of 4,307.97p. I could not believe it, as they had denied my claim in Feb 2016, stating the Ombudsman had ruled in their favour when I first submitted my claim for PPI in 2007.

    I never thought I would be paid out, I was so happy. I have followed Martin!!!8217;s Lewis!!!8217;s advice, and used his templates for ALL my other claims for PPI. Over the period of 3 years I have received approx 24,000. All from different credit cards and loans. I even got paid out for a TopShop card I took out when I was 18, I am now aged 54! In making my claims, I did have account numbers..

    Please persevere and don!!!8217;t give up. I even got them to open up on an old Endowment Policy I had, and received 1200.

    Going to try my hand at bank charges. They can only say No. love Martin Lewis!!!8217;s advice. A much valued service.
    Last edited by Yvette McIntosh; 12-05-2018 at 8:19 PM.
    • Yvette McIntosh
    • By Yvette McIntosh 12th May 18, 8:24 PM
    • 2 Posts
    • 3 Thanks
    Yvette McIntosh
    Egg Loan/Credit Card
    I put in a claim for PPi on both, the loan and my Egg Card. I was refused for the Loan, however awarded for the credit card. I recently made a claim again for the Loan, despite being denied by the aombudsman at the time of my appeal. I made a claim under the P,even Law, and my complaint was upheld and a further payment was made of 4,307.

    I hope this answers your question.
    • emsjune78
    • By emsjune78 25th May 18, 7:07 PM
    • 562 Posts
    • 5,664 Thanks
    emsjune78
    What were you reclaiming: Dorothy Perkins Store Card from 1997
    Who was the provider: GE Capital, dealt with by Santander
    How much did you get back: 5412.53
    Did you get it back after a letter or did you go to the Financial Ombudsman: Online form, telephone call and questionnaire

    I inadvertently posted about this case in the wrong place previously and I appreciate now that was poor form. I did think it was worth including here as I haven't seen too many successful accounts for Santander on Store card complaints. Hopefully it might be of help to someone.

    I initially contacted Santander, I had my account details and some copies of statements. They wrote me to me stating they could trace no details of my account and suggested I approach New Day. I did so and they quickly confirmed not them and to go back to Santander. I rang them and the chap I spoke to confirmed he was able to see my account details and ppi on there.

    Filled out questionnaire, was subsequently asked to provide further detail in respect of employment status and pre existing medical condition.

    Eight week period would have been up this coming Tuesday. Received two letters together today. One on behalf of SCUKL which stated my complaint was considered time barred as more than 15 years since account was opened. The other was on behalf of Financial Insurance Company Ltd which was upheld as they were not satisfied that the ppi policy was suitable for me when it was sold.

    Ecstatic as I wasn't holding out much hope and I certainly wasn't expecting it to be such a large sum. I am very happy I persevered with this one.
    • ARLO67
    • By ARLO67 27th May 18, 2:59 PM
    • 1 Posts
    • 0 Thanks
    ARLO67
    What were you reclaiming: Dorothy Perkins Store Card from 1997
    Who was the provider: GE Capital, dealt with by Santander
    How much did you get back: 5412.53
    Did you get it back after a letter or did you go to the Financial Ombudsman: Online form, telephone call and questionnaire

    I inadvertently posted about this case in the wrong place previously and I appreciate now that was poor form. I did think it was worth including here as I haven't seen too many successful accounts for Santander on Store card complaints. Hopefully it might be of help to someone.

    I initially contacted Santander, I had my account details and some copies of statements. They wrote me to me stating they could trace no details of my account and suggested I approach New Day. I did so and they quickly confirmed not them and to go back to Santander. I rang them and the chap I spoke to confirmed he was able to see my account details and ppi on there.

    Filled out questionnaire, was subsequently asked to provide further detail in respect of employment status and pre existing medical condition.

    Eight week period would have been up this coming Tuesday. Received two letters together today. One on behalf of SCUKL which stated my complaint was considered time barred as more than 15 years since account was opened. The other was on behalf of Financial Insurance Company Ltd which was upheld as they were not satisfied that the ppi policy was suitable for me when it was sold.

    Ecstatic as I wasn't holding out much hope and I certainly wasn't expecting it to be such a large sum. I am very happy I persevered with this one.
    Originally posted by emsjune78
    Hi new to this forum and to all this PPi,
    But after reading your post i am interested in how your provided further detail of your employment status at the time, being it was so far bac.
    the reason i am asking is that i am also chasing a Dorothy Perkins claim and and i believe i worked less than 16 hours a week back then having a young family etc, but i am not sure how i would go about proving this?
    thanks
    • emsjune78
    • By emsjune78 29th May 18, 9:36 PM
    • 562 Posts
    • 5,664 Thanks
    emsjune78
    Hi new to this forum and to all this PPi,
    But after reading your post i am interested in how your provided further detail of your employment status at the time, being it was so far bac.
    the reason i am asking is that i am also chasing a Dorothy Perkins claim and and i believe i worked less than 16 hours a week back then having a young family etc, but i am not sure how i would go about proving this?
    thanks
    Originally posted by ARLO67
    Hi,

    It was quite easy for me as I was a modern apprentice at the time so I was able to provide copies of qualification certificates which covered the relevant period. Have you maybe a copy of a contract of employment or proof of your national insurance contributions for that year, P60 etc?
    • so very confused
    • By so very confused 29th May 18, 11:35 PM
    • 941 Posts
    • 3,045 Thanks
    so very confused
    Debenhams/santander
    Applied last year, received letter stating why my claim was not valid. I was ill at the time so did not pursue this.
    Out of the blue telephone call from Santander about three weeks ago stating they needed more info. Gave them brief details over the phone but said i would need to check paperwork and arranged for them to call me back a couple of days later. They didn't so I phoned them, told me that the decision had been made..........11,000!!! Received it within 5 working days....
    SCP # 034
    The 1000 emergency fund #59
    • manama
    • By manama 30th May 18, 7:38 PM
    • 71 Posts
    • 43 Thanks
    manama
    Was this for ppi or Plevin !!!8216;so very confused!!!8217;
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