PPI Successes

[pinadagolf]

I involved the Financial Ombudsman after getting nowhere with the Co-Op Bank. I contacted them in October and received a confirmation of misselling last week. They said I had reached 65 ..and it should not have been sold to me. I am now awaiting a cheque for 2 years premiums plus interest.Result!!!!! I had provided medical evidence to the F.O. Iam now going to claim 2 earlier loans back on medical pre existing conditions.
Iwould like to thank everyone on the site for the encouragement and support, I can't believe I have been able to get so far and to win

	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.

	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.

[pinadagolf]

I involved the Financial Ombudsman after getting nowhere with the Co-Op Bank. I contacted them in October and received a confirmation of misselling of PPI last week. They said I had reached 65 ..and it should not have been sold to me. I am now awaiting a cheque for 2 years premiums plus interest.Result!!!!! I had also provided medical evidence to the F.O. which I shall refer to regarding the earlier PPIs. I intend to claim 2 earlier loans back on medical pre existing conditions.
Iwould like to thank everyone on the site for the encouragement and support, I can't believe I have been able to get so far and to win
Pinada golf lady x

	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.

	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.

[tonycee]

It gives hope to the rest of us....

[debt_mountain]

Been claiming back from Blackhorse. 3 accounts, the first one I tried to cancel after 3 months and they said bogoff, I then sent the a copy of the cancellation request and their bogoff letter (which they kindly included in my Subject Access Request) and got a call yesterday saying they will refund everything from the date of my letter (Jan 2000) to settlement in 2004 at Contractual interest rate and then 8% from then on. I have now calculated the refund (and faxed my figures to them), it is for well over £5000 and worked it out using the CI through the loan and then CI through the loan I took with them to settle the first loan and then CI through the loan I took with them to settle the second loan and then CI through the loan I took with them to settle the third loan and then 8% for the remainder (all these CI added £800 to the total.

My advice is to do the Subject Access Request and check everything very carefully, then just keep at them.

I am off to raise the N1 for the other 2 accounts.

good Luck

I am still going ahead with the other 2 accounts as Mrs DM is self employed and they would never have paid out.

	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.

[tonycee]

Great result debt mountain.
Im really pleased for you, and so hopeful for myself and others.

[reidnet]

Quick Update ..

Took on Abbey on behalf of a friend.. Settled in Full plus around £150 extra.. Gesture of Goodwill again..lol

Ian

[debt_mountain]

I love these happy endings, I would love to be a fly on the wall at some high level bank meetings where they are trying to get to grips with all these claims and they will also be trying to predict what is the next area the big bad consumer will find to get them with.

well done you and your friend, hope they buy you a nice bottle of Champers.

[gt568]

Well NatWest have settled. After sending an LBA they paid out the full PPI amount and the intrest applied to the PPI but not the statutory 8%. I probably should have pursued it, but I just was happy with £7000 for the cost of a few stamps! Of course they didn't admit any wrongdoing and it was only a gesture of goodwill!!

Thanks to everybody who helped me out, especially hellhasnofury.

	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

[papadak]

Originally Posted by gt568

Well NatWest have settled. After sending an LBA they paid out the full PPI amount and the intrest applied to the PPI but not the statutory 8%. I probably should have pursued it, but I just was happy with £7000 for the cost of a few stamps! Of course they didn't admit any wrongdoing and it was only a gesture of goodwill!!

Thanks to everybody who helped me out, especially hellhasnofury.

Hi, Congrats on your news ... excellent stuff!

	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

[papadak]

Originally Posted by papadak

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

RESULT ...!!

Egg have almost fully coughed up my PPI claim .... just a few quid shy of 1k ... have paid £889 ... but I will go after the rest, which includes 8% (of which the court will award) added on.

Bottom line (imho) do not let this go .... THESE FUNDS ARE YOURS!

Onwards & Upwards

[JulieR]

Hi,
I thought i would post here that A&L have agreed to refund monies paid for PPI as part of a loan i took out 18 mths ago, i was miss sold as i informed the sales person i had private PP ins, and he insisted that without this being part of the loan i would be refused.

A&L have issued new loan agreements taking off the ppi charge, i am awaiting my returned payment of $550.

I also challanged the first offer as they did not add the 8% interest, they added it without any quibble at all.

thanks

	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.

[tonycee]

Originally Posted by JulieR

Hi,
I thought i would post here that A&L have agreed to refund monies paid for PPI as part of a loan i took out 18 mths ago, i was miss sold as i informed the sales person i had private PP ins, and he insisted that without this being part of the loan i would be refused.

A&L have issued new loan agreements taking off the ppi charge, i am awaiting my returned payment of $550.

I also challanged the first offer as they did not add the 8% interest, they added it without any quibble at all.

thanks

Well done to you Julie. And full credit to A&L.
Some banks are going to come out of this with much more credibility than others.

Are you watching Barclays?.

	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.

[loukim]

I WON !!!!!!!!!!!!!!
got phone call today to say blackhorse agree to payout
A big thank you to everybody who helped and the FOS
Just waiting for blackhorse to let me know what they will refund me and FOS have said 8% is to be paid.

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	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.

[zara_goza]

This is my question, I have cancelled some PPI from my Credit Cards and took a private one. The thing is that I never asked a refund, because I didn't know I could request it, I do remember having to do a cancellation in writting, to Mint Card as they didn't take a cancellation over the phone, and in all this, I don;t remember agreeing conciously to get a PPI when I took the card. I think I am still paying a PPI with the Debenhams card, which it was sold to me by a sales assistant and I don't remember any of this being advise to me. How do I start to get this around, considering that I have been paying this more more than 6 years...

[tonycee]

Hi Zara. Your questions will get overlooked in this successes forum.
Ask your questions again here
http://www.consumeractiongroup.co.uk...insurance-ppi/
Give as much information as possible, and somebody will be along soon.
Good luck.

[highflyer79]

I have posted this on my thread but thought I would post here also for others who might miss it.

After my third letter First Plus have caved in and offered me my full premium of £7836.80 plus interest.

Keep going, persistance pays off!

HF79

	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.

[tonycee]

Congratulations.

Fantastic result.

[hellhasnofury]

Originally Posted by highflyer79

I have posted this on my thread but thought I would post here also for others who might miss it.

After my third letter First Plus have caved in and offered me my full premium of £7836.80 plus interest.

Keep going, persistance pays off!

HF79

Wonderful news, bet you still have a grin on your face,

Well done and thanks for letting us know

It inspires us all

	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.

[crugga]

Sent 1st letter 8 weeeks ago to the day saying I was didnt want it but was persuaded + I was self employed
They Replied saying you knew what was included, was explained etc.
Sent 2nd letter asking for full list of differences between self employed and employed cover and quoting the missreprasentation act thingy, also threatening to use anything sent as evidence in court.
Today day 56 get a letter offering full refund in the way of £1004.70 clearing arrears on the loan and a cheque for £700, balance on the loan is £2100 so i'm going to ask them to take the lot from the balance and pay the rest off next week. No 8% but tbh i'm in no position to wait any longer and with extra late charges and stuff this is the best way.
No admission of liability just on a goodwill basis.

[tonycee]

Well done crugga.

Funny how they never admit they are wrong.