PPI Successes

[gizmo111]

Please post details of successful claims in this thread.

[gizmo111]

http://www.consumeractiongroup.co.uk...loyds-tsb.html

[hellhasnofury]

Hello Gizmo111,

You are truely forgiven. I realise how busy you are and appreciate the time you have given me and many others.

[reidnet]

Reid vs Lloyds TSB.... Won..lol But cant discuss it at the Momment, But any queries PM me..lol

Ian

[Ariandis]

Me v Lloyds TSB - Won

[hellhasnofury]

Originally Posted by Ariandis

Me v Lloyds TSB - Won

Well done, can you fill us in about it please

[crampers]

crampers vs m+s a well deserved victory for the home team who were stalwart in defence and clinical in attack

[Ariandis]

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

[olivia4]

My loan with HSBC had £3,500 added to it upfront for PPI insurance. I complained about this albeit one year later that I believed I was mis-sold this insurance as I was never given the option to take it up or not and that I was not asked about any medical conditions. I was approached by the bank that they would cancel the PPI but I would have to take a new loan out at the rate of 11% (whereas the original loan was 4%). I complained about this and lo and behold I have just received a letter returning my premiums with interest and I can take out a new loan at the original rate. Success!!!!!!!!!!!!!!!!!!

	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.

[megan34]

We took out a loan with northern rock in January and Im quite sure I didnt sign for ppi - but a coupleof months ago I noticed a payment going out for £17.88p for ppi. I wrote and asked to see a signed application for it as im sure I didnt request it, I received a letter full of apologies fromthe insurance company - cardiff pinacle - itself and they credited my account with over £70! - now how long would I have gone on paying without knowing I actually had not asked for it inthe first place?:o I have also been paying my house insurance - buildings and contents in with my mortgage for 17 years until I realised I was paying interest on top of it - no -one ever told me so i looked around and guess what? I now pay £19 a month instead of the £55 I was paying. - scandalous!!! imagin if I could claim all of that back!

	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]

Hello, For all of you lovely people who wish to take on these financial institutes for the refund of mis-sold PPI.

Take heart I have been successful with 2 claims. I did not have the privilage of going to court, they settled after I threatened them.

1. M&S for a loan in 2001. Bit of a fight, but with determination and not taking no for an answer. Tripping them up at every opportunity with their own stupidity. I received £7,600 from them and they still denied it. I fought hard because I knew that I would never have agreed to Paying £4,600 for a ppi, if I had been given that option.

This is the thread if you are interested
on a mission v ppi


2. Nastywest.for a loan in 2001. Still had a bit of a fight, but again they can up with over £7,111.84

This is this thread is you are interested.

on a mission phase 2 -v- ppi


My advise is do your homework, when you get your S.A.R - (Subject Access Request), still question and question until you get the information you need and then go and get them It worked for me.

	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.

[megan34]

wernt you you over the 6 years limitation?.Ive been told that because My credit card was taken out in march 2001 that its over 6 years and they dont keep records after 6 years.

[reidnet]

Originally Posted by hellhasnofury

My advise is do your homework, when you get your S.A.R - (Subject Access Request), still question and question until you get the information you need and then go and get them It worked for me.

Good advise Sandra,
Sorry Ive been a bit quiet the past couple of weeks, I have not given up Honest..Just been busy with other things and Family matters.. Just needed a bit of time off to get my head together over some stuff. Im back now though..lol

Ian
x

	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.

[Empire Strikes Back]

Empire Strikes Back v Egg - WON

[kennythecelt]

I am getting clued up on this.

Endeavour Personal Finance (HSBC). Just got statements on a settled account which I repaid early. Besides showing penalty interest for early repayment it shows £3640 PPI added straight on top of the loan of £14,000. Interest was variable on the total.

I was yes, in financial cash flow difficulty at the time. But, I was in full time employment and my employment contract meant I would be paid for 6 months on full pay if I was sick and 6 on half pay. I think I was mis sold as I don't believe (now admittedly) that I would have taken it out if I was not told it was a condition of the loan.

I am phoning Endeavour today. I will ask for a copy of the insurance policy and consumer credit agreement and see what happens. Will follow it up with full Subject Access Request.

Fell like I have been ripped off.

Will let you know how I get on. Advice more than welcome please.

	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.

[Gary67]

24th Feb 07 Request for refund sent for miss sold PPI taken out in June 2001.

Amount requested £1,100 + 8% = £1473.20 ( don't know how I got that figure!!!!


12th March Letter before action


2nd April Issued Claim Form to local court for £3090 :o .

This figure was gained using the spreadsheets on here and after a couple of messages and advice from Hellhasnofury realising I could also claim the interest paid on the PPI (12.9%= £849.92) AND then add 8%= £942.65. Thanks Hell, owe you a beer


Then heard nothing until a phonecall on 20th June to which I replied :-


Dear ,
Further to our telephone conversation this morning ( 20/06/07 ) regarding our claim for miss-sold PPI we write to clarify the following points.
As you are now aware we filled this claim on 24th February 2007 and wrote in the first instance to the Complaints Department in Andover, a copy of which is attached.
All subsequent correspondence has been filed through Tredegar Park, a copy of this is also attached for your perusal.
As we only received the standard letters asking for more time to look into this claim we carried on with the claim according to the deadlines set out in our letters.

We are not surprised that over 4 months later we have now received a telephone call from you stating you know nothing of this claim, despite a claim form being lodged at ******* County Court on 2nd April 2007, this claim is deemed to have been served 6th April 2007.
As I explained to you on the phone I had 3 other claims running against Lloyds at this time ( one has now been settled in full ) and it is not unusual to receive nothing or hear anything from your company until literally days before these cases are due in court, this pattern is also true for hundreds of other cases that are known to me.
As this claim has now been running for over 4 months and judgement has been passed in my favour we respectfully ask for the amount to be paid within 7 days. After talking with ****** at ******* County Court today I am now well within my rights to issue a warrant of execution to recover the money due to us, this course of action will of course incur further costs to yourselves and we feel we have no other option except to follow this route if this money is not received within the stated 7 days.
The money now due to us stands at £3090.90 plus interest at 0.65p per day from date of issue, this date as set down by the court was 6th April 2007. We calculate at today’s date this was 76 days ago and therefore request an additional £49.40.

I am writing to ask that you pay the amount of £3140.30 as ordered in the judgement within the next 7 days. I expect payment by cheque made payable to ********. If you fail to do this I will have no alternative but to apply for a warrant of execution to reclaim my money.


I would like to take this opportunity to say how disappointed I am that you have failed to make any effort to resolve this matter effectively. All communication from you has been limited to template letters that seem to be aimed at delaying the process rather than resolving the issues. I further believe your lack of response to my claim shares this negative aim.

It seems to me that the way in which Lloyds TSB are using the public court system to delay and discourage customers from reclaiming unlawful bank charges and miss sold PPI claims is immoral, and a complete waste of taxpayers’ money. Furthermore, I believe it to be a completely unnecessary abuse of an overstretched public resource.

I expect your response before 27th June 2007.

Yours Sincerely,



28th June SETTLED IN FULL ( Has anyone noticed I forgot to add in the court costs, oh well, they paid amount of the Judgement, a loss to me of about £50)

One thing I must say though, the girl I spoke to at Lloyds was very good and even phoned today to see if the cheque had arrived, so full credit to her. I hope one day soon that she finds employment in a decent company that deserves to have her.


So once again, thank you Hellhasnofury and everyone on this site.

Thats 5 claims settled in full, I love this site . And of course a donation is on its way once the cheque clears.

	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.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

	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

	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.

	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.

[TECHSPEC]

I was told by cental capital, that i could not have the 8% loan i was offered, unless i took out insurance. I needed the money, so accepted, as the new rate would have been about 12%.

Last week i wrote to them, saying i was miss-sold the insurance.

Phone call next day, offering me the full amount back, and the interest i had paid - Total repayed £500.

	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.

	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.

[reidnet]

Looks like the are caving in easilly. Perhaps they know the Brown Sticky stuff regarding PPI is not being accepted these days by consumers..

[hellhasnofury]

Originally Posted by reidnet

Looks like the are caving in easilly. Perhaps they know the Brown Sticky stuff regarding PPI is not being accepted these days by consumers..

Let battle commence, there is a war on you know

[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