PPI Successes

[hellhasnofury]

Originally Posted by honney

hi i`m new to all this but i could do with some advice i have 2 PPI`s 1 with on a loan and another on a Credit card both with lloyds i now find my self in financial difficulites and i am wanting to know if i can cnacel my PPI`S as it is not helping me in any way, any advice please

Hello Honney.

Please read the sticky for refund of ppi and the following link re refund

Consumers to benefit from PPI refunds agreement

Please start you own thread on the ppi forum as your post will get lost on here and nowone will see your posts and will not be able to help

[crystaltipps]

http://www.consumeractiongroup.co.uk...-loan-ppi.html

I've just posted to confirm details of my success with PPI on 2 Lloyds TSB Loans.

I'm not sure how to put a link from here, but if an admin can do it, or someone can tell me, that would be great!

[hellhasnofury]

Originally Posted by crystaltipps

I've just posted to confirm details of my success with PPI on 2 Lloyds TSB Loans.

I'm not sure how to put a link from here, but if an admin can do it, or someone can tell me, that would be great!

Hello Crystaltipps,

Congradulations and well done, If you cannot cut and paste your link to this thread. Just tell us your wonderful story, with all the facts please

[itsmeandonlyme]

Hey Guys,

Barclaycard today refunded all charges, PPI, Contractual at £27.9%, charges for time spent (10 hours at £9.35 per hour) during the claim and 9 letters sent at £6.95 per letter..Total £525.24 pays all the outstanding balance on the card and some covers my WF court cost))))

Over the moon)

[MrShed]

MrShed v Halifax Card Services - WON

Full refund coming my way for all PPI payments since August 2003, and interest.

	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.

[hellhasnofury]

Originally Posted by MrShed

MrShed v Halifax Card Services - WON

Full refund coming my way for all PPI payments since August 2003, and interest.

Congradulations and well done Mr Shed

[skbuncks]

Hi All

Its been a long battle but have finally won. Cash is now in my account and well on the way to being spent

http://www.consumeractiongroup.co.uk...teresting.html


well happy

skb

[determindator]

Originally Posted by skbuncks

Hi All

Its been a long battle but have finally won. Cash is now in my account and well on the way to being spent

http://www.consumeractiongroup.co.uk...teresting.html


well happy

skb

Hi everyone,

I am new to this type of claim and know I was missold. What is the best procedure and templates for starting off a claim.

Thanks to all

Determind

[skbuncks]

Originally Posted by determindator

Hi everyone,

I am new to this type of claim and know I was missold. What is the best procedure and templates for starting off a claim.

Thanks to all

Determind

Hi Detemind

If you start by having a read through this which contains guidance and templates on your first moves. If you then start a thread detailing which financial bandits your up against, how much the loan was for, interests rates etc then you get answers to any questions/problems that arise

skb

[Zzed]

Hi guys. i wanted to know if anyone has dealing with HFC?

I had a loan with them for £7800 and ended up with a total of 11800 after the PPI. When I was made redundant I managed to get a job asap and moved on but fell into difficulty some months later. the bill is now paid and i need to know if i can reclaim the PPI I paid on that loan?

	What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

[Zzed]

Oh, i also have the original contract i signed with HFC at the time detailing all the information including the true cost of the loan + PPI. The debt is not quite paid off just yet (nearly there) but is being managed by a third party. I'm down to the last 1500 but i strongly believe that this is just the PPI that's left.
As i have all the details, do i need to send an Subject Access Request or do i just kindly asked for the money to be returned

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

[hellhasnofury]

Originally Posted by Zzed

Oh, i also have the original contract i signed with HFC at the time detailing all the information including the true cost of the loan + PPI. The debt is not quite paid off just yet (nearly there) but is being managed by a third party. I'm down to the last 1500 but i strongly believe that this is just the PPI that's left.
As i have all the details, do i need to send an S.A.R - (Subject Access Request) or do i just kindly asked for the money to be returned

Hello Zzed,

Please start your own personal thread in the ppi forum, Your posts will not be seen as this is the successful claims thread.


Its up to you whether you send for the Subject Access Request or just work with the figures that you have. Is the ppi still running? If it has been cancelled they would have rebated the ppi and interest off the loan balance, wtherefore reducing the balance of the loan and affecting the amount that you reclaim back.

If you send the Subject Access Request, you may get more information regarding the breakdown of the ppi, applied interest and the rebates.

With watch out for your new thread

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.

	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.

[podgydad]

£7k PPI reclaimed on a Barclays loan.

Barclays initially refused a refund on the grounds that the claimant was employed as a 'home maker'. Of course this was utterly ridiculous and they repaid after the LBA.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[hellhasnofury]

Originally Posted by podgydad

£7k PPI reclaimed on a Barclays loan.

Barclays initially refused a refund on the grounds that the claimant was employed as a 'home maker'. Of course this was utterly ridiculous and they repaid after the LBA.

Excellent news

A Home maker, did the claimant build houses, nearly choking on my tea, laughing at that comment barclays made. They were desperate weren't they.

[The D.A]

I would reccomend anyone reading this thread to follow the link to the petition set up to raise awareness of the overpriced selling on PPi, with loan agreements.

Petition to: Prohibit loan companies from selling payment protection insurance with credit agreements.

spread the word, too many perople are being steered towards taking overproced ppi, in spite of the FSA's efforts to regulate the industry

[TwinsMum1]

Will now post in the correct forum. Have had success with HSBC claimed back £2300.00 in PPI, quite easily I have to say. Good luck to everyone else. Full story on my original post. Happy Happy.

[HeatherMc]

Heathermc v Lloyds ****WON****

I was claiming on behalf of my husband who has a loan with Lloyds. He was told he would not get the loan without taking the insurance even though he didn't need it. He has been paying it for a year now and the refund of £628 will be in his account by Wednesday. They didn't even put up a fight.

[yraunaj]

Sent standard letter to Egg for PPI insurance claim in Oct. The loan taken out Jan 05 £5000 over 48 months loan protection £959.80. The letter says We have attempted to retrieve the call when you were offered PPI , unfortunately the tape has been corrupted and we have been unable to listen to this. Therefore a business decision has been taken to refund the PPI with interest as a gesture of goodwill without admission of liability. Please find enclosed a cheque for £324.75 this being the remaining premium of £292.83 plus interest of £31.92. Sent 2nd letter saying i would accept the cheque as part settlement but unless they could prove to me that it wasnt missold i wanted a full refund plus interest, received a letter yesterday offering me the full amount of the policy plus interest.

[pennypenny]

Hi,

I received a cheque yesterday off MBNA for full refund of all PPI payments plus interest on my Alliance and Leicester credit card.

I was only working 15 hours per week when I took out the card and still am so I sent first letter off in August and after a few months wait and a few phone calls they finally paid up.

Here is my thread:

Mbna/a&l Ppi ** Won **

[papadak]

Originally Posted by Empire Strikes Back

Empire Strikes Back v Egg - WON

Hi, I have gone after Egg for PPI refund ... how easy was it or not for u?