Thread: PPI Successes

Me v Lloyds TSB - Won

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

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

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!!!!!!!!!!!!!!!!!!

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.

Empire Strikes Back v Egg - WON

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.

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.

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