Jump to content


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


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4870 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I was going to update my thread re PPI on my old Cahoot credit card when I realised I never started one :confused:

 

Thought it would help moral to start one anyway to confirm that after a couple of letters to Cahoot and one more to Abbey they have agreed that as I applied over the internet I did not receive all the info and therefore they are recharging me plus interst (not contractual as I tried for though lol).

 

I am therefore expecting a cheque for £557 shortly and am very grateful for all the help and advice!:)

Link to post
Share on other sites

CONGRATULATIONS

 

 

Nice one, Sparklez30 :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

Link to post
Share on other sites

Excellent fantastic news

If anyone on this forum deserves this it is you sparklez30

Well done I am really pleased for you

Lloyds TSB (SARS) request sent 9th June 2006

£2191 Moneyclaim Issued 11/08/2006, Acknowleded 17th August Defence 14 Sep, AQ returned 5/10/2006.SETTLED IN FULL £2,670 26/11/2006/ Lloyds Credit Card SETTLED IN FULL £267

MBNA SETTLED IN FULL 15/09/2006 £829

Citicard (SARS) request sent 22nd June 2006 Moneyclaim issued 19th Sep, Defence and AQ received 5/10/2006, AQ returned 5/10/2006, part refund received 10/10/2006

GE MONEY SETTLLED IN FULL £400

Barclaycard Me and Mrs SARS sent 19/10/2006 settled £350

Welcome Finance PPI 2 accounts one settled £1018 waiting on other

GE Money PPI 1 account settled 8/5/2008 £560 2nd account SETTLED IN FULL £3,599.78p 15thAugust 2008

Lloyds TSB PPI CC complaint sent 10/04/2008

Black Horse PPI with FOS 20/05/2008

HFC PPI complaint sent 22/05/2008

 

Link to post
Share on other sites

Congratulations!

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

Link to post
Share on other sites

Well done - another success story to keep up momentum!

Bank and credit card reclaims - £9,806

Sainsburys CCA non-compliance with FOS;

Natwest reclaim of £340 in progress;

Egg credit card reclaim in progress

 

 

Link to post
Share on other sites

Well Done you,

chuffed for your great result

Enjoy the moment

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

Hello sparklez,

 

it would be nice for an early response from the bank saying yes we were wrong and here is the money you require:D

 

But it will probably be the usual you had 30 days to cancel etcetc and we followed all the rules.:eek:

 

My letter will be going soon.

 

Regards

 

aa

I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

Link to post
Share on other sites

My mum has a loan with Cahoot and she paid PPI for at least 12 months before I cancelled it on her behalf because it was extortianate.

 

What letters did you send as I may try and reclaim what she paid out.

Link to post
Share on other sites

Start with the full S.A.R - (Subject Access Request) request to get all your statements etc

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-r-subject-access-request.html

 

Interest calculation spreadsheets

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

First letter (the template is in the first post)

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

My letter was as follows:-

 

Dear Sir/Madam

Ref: Credit Agreement & Payment Protection Insurance

Credit Card a/c No: 4159291141850483

 

Thank you for providing copies of my statements re the above accounts to January 2002 .

I purchased the above Payment Protection Insurance policy from you but now believe that I was mis-sold this policy for the following reasons:

This is due to the fact that I was not given the correct information when the policy was sold to me, as

  • having recently looked at the paperwork you sent for my credit card I now realise that I had been paying for insurance that I did not know I had taken out so this could not have been explained to me.
  • I was not told that the policy was optional
  • I was not given full information on what the policy would and would not cover before signing up to for the card.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums £xxx.xx, that I have paid from March 2002. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made £xxx. I therefore require a total of £xxx.xx to be refunded to me.

I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.

Yours faithfully,

 

Sparklez

Link to post
Share on other sites

I have to say Abbey/Cahoot gave in very quickly. They did send me a large questionaire to fill in which I refused to do stating they would have all the information in their records and I had already highlighted my complaint clearly.

 

It took quite a wait though but when I finally got their letter they agreed with my complaint and refunded me plus interest (although not at 8% they have provided at base rate plus 1% which is slightly less!)

 

I'd say go for it Heather - its worth a try :)

Link to post
Share on other sites

  • 1 month later...

Hi Sparklez, just found your thread from the PPI successes, well done!

 

I am pursuing a PPI claim with Cahoot also, although it has taken them nearly a year to send me my cca. Anyhow, when you received all the info from them, was there anything that said you signed up to PPI or any reference to it? From the info they've sent me I can't see anything about it (even on the cca). Did you challenge them on this?

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...