PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.

[alanalana]

Well done to you Ronvin:D

 

You are doing very well. It is your money back in your pocket ( I nearly said back in your bank)

 

If you have an original thread I can post up a **WON** if you wish ? let me know;)

[papadak]

Received my cheques today after a long, dragged out, 2 months of waiting (i'm defo not a patient person).

 

Only £300 back from my RBS CC i had YRS ago. But its money i never knew i'd get back. It took a few good letters for them to pay up however they have, to my utter delight.

 

For anyone whos dealing with rbs at the mo keep at them, they knocked me back first couple of times and i got there in the end.

 

If i'd of known it would of taken this long i would of gone for contractual interest and statutory interest on top. However i needed spending money for my holiday, (i got back a month ago) so i agreed to their settlement.

 

Good luck to all

 

Hi there & well done you!

 

So when they 'knock you' a couple of times what do you then do. I have been turned down by Lloyds on a ppi claim and before I consider the FOS I wondered if there is another template type letter out there that can be sent? or what tactics did you use ... they obviously work, please share them with us ... thanks!

[Gazzer83]

A big thank you to alanalana and postggj for there help. I Now have my letter to say that all extras cancelled and saved £2006.64. Get in early and cancel that ppi.

[alanalana]

A big thank you to alanalana and postggj for there help. I Now have my letter to say that all extras cancelled and saved £2006.64. Get in early and cancel that ppi.

 

Well done

 

do you want a **WON** added to your thread title? is yes just post up a link to your thread

[guzzleguts]

Hi all

 

Could someone tell me when you have sent a complaint in about miss-selling of PPI is there a time limit on them to reply, i sent mine in on the 2nd May and received a letter back from them after a week , stating they were investigating the complaint, and then received 2nd letter on 2nd June stating their enquiries were not complete, and they would write within 4 weeks.

 

Still havent received anything.

 

Any advice on the time scales that they have to reply would be great.

 

Thanks in advance.

 

GG

[steven4064]

I think the time llimit for responding to complaints is the same for all complaints - 8 weeks

[magiciansgirl]

Mine was just short of 7 weeks from start to finish with similar letters at same times.

[guzzleguts]

Thanks Steven

 

Mine is now passed 8 weeks, who should i complain too, the bank (HSBC) or FSA?

 

GG

[guzzleguts]

The post has just been and HSBC have Made an offer that is acceptable, but there is a catch, they want me to agree to them restructuring the loan IE. new agreement is that normal or is that a little bogus?

 

GG

[dec22]

The post has just been and HSBC have Made an offer that is acceptable, but there is a catch, they want me to agree to them restructuring the loan IE. new agreement is that normal or is that a little bogus?

 

GG

 

I helped my friend get a refund of loan PPI from HSBC and this appears to be standard practice if the loan is still running. You go in to the branch and sign a new loan form excluding PPI with the same interest and terms and conditions. No credit checks, merely a formality. Your remaining number of payments will remain the same but will be lower in value because the PPI has been removed. She then received the payments and interest she had already paid back into her bank account in 3 working days.

 

Not sure what happens if there are loan arrears, assume they would take that off the balance they refund to you.

 

Hope this helps.

[guzzleguts]

Thanks again dec22

 

GG

[GARY68]

won with Halifax on a credit card I letter 6 week wait and upheld,

payed card off and sent me a nice cheque,

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/206995-gary68-halifax-cc-ppi.html

[GARY68]

another win

Halifax loan ppi payed off 4 years ago and payed off 2 years early,

1 letter 7 week wait, paid virtually full amount asked for in a nice cheque'

2 down 3 more to go:D

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/197259-gary68-halifax-ppi-advice.html

[saferidges]

Me Vs. HFC / Beneficial Finance - Won!

[Thermopolese]

Won a case against the HSBC for mis-sold loan protection, took only 1 letter and a full 8 week wait, but they coughed up in full (plus interest) to the sum of £2443.29!

 

Am now using that cash to pay off the remainder of the loan and free myself up and extra £254 a month from my wages!! Happy days!! :D

[magiciansgirl]

Great news. I won re HSBC too and it cleared the loan and gave me £376 a month extra. Lovely feeling!

[Thermopolese]

Great news. I won re HSBC too and it cleared the loan and gave me £376 a month extra. Lovely feeling!

 

Yeah I can imagine! Only got my offer through yesterday so it hasn’t all cleared yet – So haven’t yet had the pleasure of looking at my online banking to see a cleared loan and a bank account with money in it! Can’t wait!! :D

[magiciansgirl]

Shouldn't be long though; I think my payment took about 10 days from acceptance of offer.

[Thermopolese]

Ah that’s not too bad then! I’ve still gotta go into my branch to restructure the remainder of the loan before payment goes ahead – which is a pointless exercise as I’m paying it off with the cash anyways! Have told them that but they’re still adamant that the remainder of the loan be restructured for the whole of 5 minutes!

[djgordyp]

Won a case against the HSBC for mis-sold loan protection, took only 1 letter and a full 8 week wait, but they coughed up in full (plus interest) to the sum of £2443.29!

 

Am now using that cash to pay off the remainder of the loan and free myself up and extra £254 a month from my wages!! Happy days!! :D

Well done. Are you talking about the 8% statutory interest and if so did they just add that or did you have to ask for it?

[Thermopolese]

Well done. Are you talking about the 8% statutory interest and if so did they just add that or did you have to ask for it?

 

Yeah it is the 8% statutory interest. In my original letter demanding my insurance premiums back, i also stated that I expected the 8% statutory interest on top of my premiums and they just added it on top without any arguments. Was a really easy claim, just lenghthy as they took the entire 8 weeks, to the day!!

[Rowsley]

Its taken 2 years in total, from their initial "denial" through to them igoring the FOS advisor and it finally being put through to an Ombudsman to give a final decision in my favour (and they have to pay me £300 for compensation on top of my refund for all the messing about they have done)

 

But the Saga with Egg continues, I've just called them to say where is my refund and they tell me that their "calculator is broken" lol and they have no idea when it will be fixed (i thought they could pick one up from Argos for about £3.00)

 

Egg is a joke, please, please, please never deal with this company and if you have a claim going through, never give up trying to get your money

 

As it stands, when i eventually get my money back I will get £4,500 (lets hope they fix their calculator soon)

[Dipply75]

Bit late in posting this but had a success on behalf of a friend against Liverpool Victoria for missold PPI - she got £1800 back on the last day of the 8 week deadline!

 

Even though they were fined and promised to do these things automatically - they ain't! Details and letter used on this thread, hope its of use to someone

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/190423-liverpool-victoria-reply-advice.html

 

Big thanks to Alanalana - Happy fighting!

[PPIMUG]

Hi All

 

I took out an FP loan for £56,000 of which £8,000 was PPI. After writing to FP outlining reasons for mis-selling they eventually offered me £2,693 compensation. I declined the "fob off" money and lodged paperwork with the Financial Ombudsman. That was in march 09. When I spoke to the caseworker he said that they had contacted FP to obtain details but they had received no response to thrit requests. In view of this my case was passed to the adjudicator for a decision.

 

I heard today that the adjudicator has confirmed that PPI should be repaid (claim also includes interest and 8% stat interest). FP have now got a month to respond/appeal to the ombudsman.

 

I'm still holding my breath as FP failed to repsond to the FOS previously but I would imagine that a letter to them informing them to repay will actually get some kind of response.

 

it has taken a while for me to arrive at this decision and I am still not convinced that FP will pay up - particularly all that should be refunded taking into account the early settlement but thought it might give everyone some idea of the timescale for my case to take this route.

 

Optimistic but not overly confident. Good luck to everyone else seeking resolution and never give in against this lot.

 

JC:smile:

[papadak]

Hi All

 

I took out an FP loan for £56,000 of which £8,000 was PPI. After writing to FP outlining reasons for mis-selling they eventually offered me £2,693 compensation. I declined the "fob off" money and lodged paperwork with the Financial Ombudsman. That was in march 09. When I spoke to the caseworker he said that they had contacted FP to obtain details but they had received no response to thrit requests. In view of this my case was passed to the adjudicator for a decision.

 

I heard today that the adjudicator has confirmed that PPI should be repaid (claim also includes interest and 8% stat interest). FP have now got a month to respond/appeal to the ombudsman.

 

I'm still holding my breath as FP failed to repsond to the FOS previously but I would imagine that a letter to them informing them to repay will actually get some kind of response.

 

it has taken a while for me to arrive at this decision and I am still not convinced that FP will pay up - particularly all that should be refunded taking into account the early settlement but thought it might give everyone some idea of the timescale for my case to take this route.

 

Optimistic but not overly confident. Good luck to everyone else seeking resolution and never give in against this lot.

 

JC:smile:

 

Hello,

 

Thank you for taking the trouble to post your story on here. Please do let us know what the outcome is. I'm about to go to the FOS with my loan ppi after being turned down by Lloyds for a second time. Did you use a template with the FOS. Can you perhaps link me in there. Thank you