PPI Successes

[papadak]

Originally Posted by Demtootief

Hiiiiiippppppeeeeeee!!! I have just received a cheque today for £2091.03 (this being ppi premiums I have paid to date). Added to this £5680.05 (actual PPI) plus £2194.91 (PPI interest) to date.

I guess I do feel a sense of victory,. however as Firstplus had not really put up any fight, it does seem a bit hollow. I now move on to Endeavour Personal Finance......awaiting my S.A.R as I have requested......£10 cheque has been cashed.

To all I say ......KEEP THE FAITH!!!!!!!

Excellent news for you ... well done!

Stories like this spur us all on to persist with our own claims ... needed that, 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.

[Demtootief]

I would like to donate to CAG as it has helped me immensely. I really do not know how I would have achieved any of hte successes I have had (and they have been a fair few) in teh past were it not for you wonderful people on this Forum. I have had difficulty trying to donate with Paypal in the past and would like to send a cheque or something like that. Can someone advise how and where I should send my cheque.

Keep up the good works all you 'good' people..... it helps to dig people like me out of the severe 'hole of debt' that these financial institutions want to bury us in!!!!

Now on to LLoyds TSB who have just turned down my claim for refund of Credit Card charges..........They must not know how fired up I am!!!!!!!!!

[BOBBY06]

I have had success with Alliance & Leicester PPI.

I hope I am posting this in correct place.

I sent S.A.R. letter 27.2.08, received documents back for the two loans I had previously. 11.3.08 sent letter informing A&L I was mis-sold and wanted full refund off PPI. 27.3.08 received letter from A&L offering me a refund of £1556.76. I accepted this and the cheque goes in the bank today. This money is very much needed to help me settle other debt.

I am really pleased and The Consumer Forum has helped me to get to this result. I will be making a donation to the forum.

I still have to pursue Lloyds TSB, MBNA and GE Money. These are proving difficult I will be needing advice on these and hope The Consumer Forum can help me again when I post my new threads.

[takeitalltheway]

thanks to much help from this site I have received a refund of £485.25 for the ppi that was applied to my loan. They refused to send me a cheque so the refund was taken off the balance of what I still owe but hey it's still a success!

[alanalana]

Well done to Bobby and takeitalltheway,

Its nice to see successful recovery of Missold PPI

Savour the moment and well done to both of you

aa

[msowing]

I WON!

Against GE Money for Evans Store Card for mos selling ppi. They are paying on full.

Thanks very much for the help.

[stroke a badger]

WON WON WON WON - or as I would say - I WON

A cheque for the full amount (less £55) was received this morning.

HSBC Goldcard Cardholder Repayment Protection - PPI

[hellhasnofury]

Originally Posted by stroke a badger

WON WON WON WON - or as I would say - I WON

A cheque for the full amount (less £55) was received this morning.

HSBC Goldcard Cardholder Repayment Protection - PPI

Excellent news well done SAB

[sundaygirl]

hi i am new to all of this but ive had some large bank charges from a and l and not sure how to get started to claim them back can anyone help

thank you

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[alanalana]

Hello sundaygirl,

firstly can I mention that your cause will be helped by many people on this site.

You would however be in a better position to help if you could set up your own thread. If it is as you say bank charges then this is the link

Alliance & Leicester from here you can start your own thread and follow other CAGers with similar problems with a and l when you get to the a and l thread you can hit the new thread button or this within the site Thread Starter but only use the thread starter when you get to the a and l area

hope this helps you on the road to reclaim your charges.

You are advised to start a claim now if this is your first claim at least once the claim is lodged on the final outcome that is when you can reclaim your charges from.

good luck

aa

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[TwinsMum1]

Well I have successfully reclaimed all my PPI back from Central Capital/FirstPlus after winning my case with the FO, only trouble is I have no idea how much etc as they are stalling with their figures and have told me I will have it when I have it so to say, surely they can't drag it out forever after all the FO has told them to put me back in the financial position I would have been in had I never taken out the PPI. So good news that I won my case but not so good as I am struggling to get my money. Any ideas, the FO Service say that my case is now closed how long should I wait.

[alanalana]

Hello twinsmum,

congratulations on your success .

I would not wait too long. I would tend to write to them (as the FOS ruling was in your favour) and give them a date telling them if they do not comply by that date in light of the FOS decision you will raise another complaint to as many financial institutions as you can Information Commissioners Office, FSA, FOS (again) OFT and anyone elso who may be able to give them a black mark!

The more complaints against these people the sooner they will face a possible fine and or lose the licence to trade.

I am no legal expert so double check before you proceed. If these greedy people cannot follow the law of the land then they deserve whatever comes their way.

Well done again

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.

[Demtootief]

Hello All,

Good news again!!!! I have received an Offer letter from HSBC for PPI totalling £9,921.80 to be paid into an account of my choice as I no longer have an account with them.

Victory again........to those who are contemplating commencing their process, don't be deterred....Let's all keep up the fight.

Hey HellHasNoFury......thanks for all of your help... it was so invaluable.

[alanalana]

Hello demtootief,

Big pat on the back well done! enjoy the moment

And a big pat on the back to hhnf a true star helper

Nice result

aa

[hellhasnofury]

Your are so welcome, another great result for you. Do you have any more to go after

[Bog]

Great news Demtootief

A win like that give us all hope!

Can tell us a bit more? How far did it get - did you file your N1? or did they just cave in!

Enjoy your celebrations

[Demtootief]

To answer 'Hell' first, I am progressing one with Endeavour which is a subsidiary of HSBC, so that one should be a 'piece of cake'.

I had my original Credit Agreement so I did not need to do a Subject Access Request. Once I sent the letter requesting the PPI back, they acknowledged the letter and after the first 8 weeks asked for a further 4 weeks to finalise their investigations, which I granted....and then last Friday got the letter. I think I originally started this in February 2008 - so not a bad 3 months worth of work.

Let's keep fighting for our rights!!!!

	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.

[papadak]

Hi,

I have been refected by Barclaycard for my PPI claim ... is there any help out there as to what to do now?

[Bog]

Another victory for us!

First Plus have agreed to refund my PP!

Full details here..... Bog vs First Plus PPI - Formula help needed.

[Sparklez30]

Hadn't spotted this thread beforesuccess for me too against cahoot

PPI success with Cahoot / Abbey ***WON ***

Almost won for my friend against Welcome although they are still delaying the inevitable at the moment but they have offered a settlement so should be finalised soon!