PPI Successes

[AA99]

PPI charges from 2004 refunded by






guess







who???














CAPITAL ONE !!!!!!!!!!!!!!!!!!!:shock :

AA99 v Capital One

[pinknico]

Won PPI claim against Mint £660

[hellhasnofury]

Originally Posted by pinknico

Won PPI claim against Mint £660

Wow way to go pinknico, excellent news and well done

Just in time for xmas too

[alanalana]

**Hello Pinknico**

WELL DONE

How cool is that? (then forgive the Pun) Mint/Cool

Have a great Christmas

aa

[pinknico]

Thank you my friends and I didnt even have to use the FOS

They decided all by themselves

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[MarkieMark]

I also got me PPI back... with interest of 8% but have a question someone may answer?

The loan was restructured removing my PPI from the loan... but noticed something odd....

Would I be entititled to rebate of interest for early settlement in accordance with section 94 and 95 of the CCA Act 1974


94

.—(1) The debtor under a regulated consumer credit agreement is entitled at any

time, by notice to the creditor and the payment to the creditor of all amounts payable

by the debtor to him under the agreement (less any rebate allowable under section 95),
to discharge the debtor's indebtedness under the agreement.
(2) A notice under subsection (1) may embody the exercise by the debtor of any
option to purchase goods conferred on him by the agreement, and deal with any other
matter arising on, or in relation to, the termination of the agreement.

95

.—(1) Regulations may provide for the allowance of a rebate of charges for credit

to the debtor under a regulated consumer credit agreement where, under section 94, on

refinancing, on breach of the agreement, or for any other reason, his indebtedness is
discharged or becomes payable before the time fixed by the agreement, or any sum
becomes payable by him before the time so fixed.
(2) Regulations under subsection (1) may provide for calculation of the rebate by
reference to any sums paid or payable by the debtor or his relative under or in
connection with the agreement (whether to the creditor or some other person),

including sums under linked transactions and other items in the total charge for credit.

The above question may have been answered elsewhere but could not find the answer?

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[alanalana]

Hello all,

time at last to post a success but not yet a 100% one.

7 Claims for mis-sold PPI 4 via Direct Line Financial Services (Now RBS) and 3 with RBS. FOS adjudicator agreed with all refund over £10k long haul but 12 months on CAG with the fighting spirit and co-operation of other members with all of the humour involved was worth the wait.

This is the very very long thread that got me to nearly a total victory.

alanalana PPI claim against RBS (looking for some help) please

Please read the last post 327 to see my views and anything new from the Information Commissioners Office will of course be posted later.

Keep up with the fight.

You will get there in the end.

aa

	The Financial Ombudsman Service For the most part, don't bother. The Ombudsman is an industry arranged service which is under-resourced, takes too long, lacks clear transparency. You have no idea what evidence the FOS has received from the bank or how your complain has really been handled. The FOS is the preferred complaints route for the banking industry. The county court is to be preferred by consumers for its speed, openness, the quality of its awards and also because it will award 8% interest on top of any damages won by you. The Ombudsman should normally be used to solving little technical difficulties or customer service problems which you have expereinced with your bank.

[charlie11]

Originally Posted by Ariandis

Lloyds TSB actually rolled over very easily on this one. One letter and I received a full refund of £2018.

Hi there, very new to this site so please bear with me. I have a LloydsTSB loan which I took out in July 05, sold as a "fully protected loan" even though I pointed out that I had very generous benefits through my employer together with copious amounts of personal insurances. Despite all this, I was recommended to take out their PPI. Only from recent media coverage can I see what a rip off this is.

I have been with lloyds for many years and have many accounts with them, current, saving, isa, credit cards and this loan. Can you let me know their generous consensus is re ppi when customers complain to them. I don't really want to have to change all of my accounts with them, but then again don't want to drop the PPI claim as I genuinely think it was unfair.

Any help would be greatly appreciated.

C

[alanalana]

Hello C,

I believe you are in the wrong area. You will get advice more readily if you post in the main forum and use the start new thread button give it a name but not your own full name and then post all the details on the help you require. You are currently in the successes forum within the PPI stickies.

Hope this helps you get your own thread to seek more help and advice

aa

[MarkieMark]

It is a breach of the consumer credit act 1974 to add interest on PPI and any acceptance fees, document fees if you have been a victim of this then the chances are you can have the whole loan written, then just claiming your PPI BACK......

[varda]

Hi Markiemark where did you get this information from?

[baiser]

Hi all
Made my claim to A&L for refund of PPI on a loan and hey presto 2 weeks later total capitulation and a cheque for £1790.40 is winging its way home .Take heart people my e-mail to them outlining the findings of the FSA and the fine of £7 million sems to have done the trick .

b

[hellhasnofury]

Originally Posted by baiser

Hi all
Made my claim to A&L for refund of PPI on a loan and hey presto 2 weeks later total capitulation and a cheque for £1790.40 is winging its way home .Take heart people my e-mail to them outlining the findings of the FSA and the fine of £7 million sems to have done the trick .

b

Hello Baiser,

Well done to you can you please pm me the email address that you used, as I have a claim coming on with this company.

[kaz3571]

alliance and leicester sent 1 letter stating theyd been fined for misselling 2 weeks later offeer for £2300 refund.just done the same for my daughter with the same result £1300 refund.a+l must be the easiest to get to roll over lol teach them to get greed with my bank account charges.

[noomill060]

Originally Posted by MarkieMark

It is a breach of the consumer credit act 1974 to add interest on PPI and any acceptance fees, document fees if you have been a victim of this then the chances are you can have the whole loan written, then just claiming your PPI BACK......

I used this as part of my PPI claim against Barclaycard (ex-Morgan Stanley)

I claimed the PPI premiums, plus interest on the PPI premiums at the cash rate- 26.8%, plus Court Court interest at 26.8%

They credited the entire amount I claimed to my account which wiped out the entire "debt", before the return date.

All this despite the preimums being debited in 2000-2002 and thus over the six years stated by the Limitation Act, which did mention in my PoCs.

Make of this what you will.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[noomill060]

Oh yeah-

PPI premiums- £87

Amount refunded- £1745

[steven4064]

And, by "court interest" you presumably mean contractual interest as s69 interest is 8% (in fact I think it has been changed recently)

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[baiser]

Originally Posted by hellhasnofury

Hello Baiser,

Well done to you can you please pm me the email address that you used, as I have a claim coming on with this company.

no special e-mail addressneeded i just used the "contact us " area of the on line banking service ,good luck

[noomill060]

CC interest may be claimed at 8%, unless the contract specifies a different rate. In which case you can claim it at the same rate of the contract.

In my BarclaycardMorgan Stanley case it was 26.8% and they were delighted to pay up to make me go away.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[hilaryfrances]

I have accepted an offer of full amount of PPI + 8% interest, not a fortune but it is all I paid to A&L + the interest so I am well pleased!

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.