PPI Successes [NO QUESTIONS or EXPLANATIONS PLEASE] - just Bank/How Much with a link to your thread.

[sunnydee]

Hi. Just wondered if you had any advice for me, Cardif Pinnacle have refused to pay hubbies claim as he is unable to work due to health problems, ( he is self employed ), it's been going on since feb 2007, inaitally paying 4 months premium then refusing, as his problem was stress related, nothing of the sort, all kinds of other excuses, the latest is recent test came back o.k, he has been refered to a pain clinic to help symptons thus enableing him to eventualy return to work, this was the consultants words ( cardiff pinnacle rquested this consultant to organise a scan etc) he is still under the doctor. This was my second apeal first one accepted in June 2007. I handed details and documented time line to the finance ombudsman October 2007 and a descision should have been made by cardif Pinnacle within 8 week, it wasn't, they requested more information from my GP and so on. Monthly updaes from the ombusmen saying they are still waiting for my case to be assigned to a case worker and apologise for the delay.

I wouldn't mind but G E money said this cover must be takn out for this secured loan. Whats the point if they wont pay when you need financial support. I work full time, but beginning to feel the strain with two teenage boys. Sorry this is so long but it seems never ending and it's not helping healthwise.I feel better hoping someone can help.

 

Thanks

Sunndee

[alanalana]

Hello sunnydee,

 

Hi. Just wondered if you had any advice for me, Cardif Pinnacle have refused to pay hubbies claim as he is unable to work due to health problems, ( he is self employed ), it's been going on since feb 2007, inaitally paying 4 months premium then refusing, as his problem was stress related, nothing of the sort, all kinds of other excuses, the latest is recent test came back o.k, he has been refered to a pain clinic to help symptons thus enableing him to eventualy return to work, this was the consultants words ( cardiff pinnacle rquested this consultant to organise a scan etc) he is still under the doctor. This was my second apeal first one accepted in June 2007. I handed details and documented time line to the finance ombudsman October 2007 and a descision should have been made by cardif Pinnacle within 8 week, it wasn't, they requested more information from my GP and so on. Monthly updaes from the ombusmen saying they are still waiting for my case to be assigned to a case worker and apologise for the delay.

I wouldn't mind but G E money said this cover must be takn out for this secured loan. Whats the point if they wont pay when you need financial support. I work full time, but beginning to feel the strain with two teenage boys. Sorry this is so long but it seems never ending and it's not helping healthwise.I feel better hoping someone can help.

 

Thanks

Sunndee

 

This thread on the forum is for successful PPI claims may I suggest you start your own personal thread which will allow you to post your concerns and get answers to your concerns without any mix up with other threads.

 

If you look at the top of the PPI forum you will see a button (NEW THREAD) click on that give it a name and your own user name and away you go. I am sure you will get the help you require.

 

regards

 

aa

[stroke a badger]

Another success!!

 

£160 from HFC for PPI added to a loan account I held with them taken out in 2003. Add s69 interest and court costs the total amount claimed was over £220. I did have to take them to court, however they settled in full before they submitted their defence.

 

NEXT!!!!!

[johnnyjohn]

Good Afternnon, first time poster so a bit nervous!!!!

 

Please could somebody either reassure me or give me a reality check as I am living a nervous existence awaiting the out come of my PPI claims.

 

I have two that are currently in adjudication with the FOS, they were placed last week. One is against Barclays/First Plus and the other Capital One. On both caese I was sold a single premium without it being explained.I settled both large loans within six months of their start, I was charged £9,500 for the Barclays loan and £7,500 for the Capital One. Barclays have offered £5,000, but with interest as these loans were 3 and 5 years ago respectively I estimate that I should be able to claim in excess of £20,000 for the two together.

 

I was interested to hear from anyone withe the same experience and wondered how long, from the point that I am at at the minute do I have to obtain a result, as I have been made redundant and this money is so god damn needed you would not believe!!!!!!!

 

Thank you in advance.

[papadak]

Good Afternnon, first time poster so a bit nervous!!!!

 

Please could somebody either reassure me or give me a reality check as I am living a nervous existence awaiting the out come of my PPI claims.

 

I have two that are currently in adjudication with the FOS, they were placed last week. One is against Barclays/First Plus and the other Capital One. On both caese I was sold a single premium without it being explained.I settled both large loans within six months of their start, I was charged £9,500 for the Barclays loan and £7,500 for the Capital One. Barclays have offered £5,000, but with interest as these loans were 3 and 5 years ago respectively I estimate that I should be able to claim in excess of £20,000 for the two together.

 

I was interested to hear from anyone withe the same experience and wondered how long, from the point that I am at at the minute do I have to obtain a result, as I have been made redundant and this money is so god damn needed you would not believe!!!!!!!

 

Thank you in advance.

 

Hi, don't be nervous, we are all in this boat together. This is a brill forum and needless to say it has helped me loads and no doubt the same for you too. Ask the forum and they will answer, you'll see .... GOOD LUCK!

[takeitalltheway]

After a complaint to the FOS we have received a letter stating that HBOS are not excepting liability but as a 'gesture of goodwill' are willing to refund all ppi payments plus interest plus 8% statutory interest. Not sure how much this will be but looking at about 4k.

 

As there is still an outstanding balance on the credit card, does anyone know whether they will pay the money to card or will we receive a cheque? Can we insist on a cheque as we have other outstanding debts?

[papadak]

After a complaint to the FOS we have received a letter stating that HBOS are not excepting liability but as a 'gesture of goodwill' are willing to refund all ppi payments plus interest plus 8% statutory interest. Not sure how much this will be but looking at about 4k.

 

As there is still an outstanding balance on the credit card, does anyone know whether they will pay the money to card or will we receive a cheque? Can we insist on a cheque as we have other outstanding debts?

 

Hi, good to read your story ... I am about to start one against a bank ... can you let me know what template you used please? Thanks

[papadak]

Hello twinsmum,

 

congratulations on your success:D .

 

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

 

I have been 'fobbed off' by Barclaycard on 2 ppi claims I have made. They issued a 'final response' (sod off letter). What should i do next?

[TECHSPEC]

After a complaint to the FOS we have received a letter stating that HBOS are not excepting liability but as a 'gesture of goodwill' are willing to refund all ppi payments plus interest plus 8% statutory interest. Not sure how much this will be but looking at about 4k.

 

As there is still an outstanding balance on the credit card, does anyone know whether they will pay the money to card or will we receive a cheque? Can we insist on a cheque as we have other outstanding debts?

 

I don't think you can insist on it, and it is likely that they will use it to pay off your card first.

 

However, Both Natwest and Lloyds paid me direct for my claims, as they were happy to keep me in debt to them.

[reidnet]

I don't think you can insist on it, and it is likely that they will use it to pay off your card first.

 

However, Both NatWest and Lloyds paid me direct for my claims, as they were happy to keep me in debt to them.

 

 

Its your Money -- You decide how you want it paid back.. and stick to it.. Don't be fobbed off by them..

 

Ian

[Filthy Monkey]

Hate to be pedantic, but isn't this a 'Successes' thread? Can we take questions about new claims into another thread, please?

[majik]

FOS Upheld my complaint and i was awarded back the full PPI on both loans plus interest minus the money that had been paid out in claims.

 

Letter from FOS saying someone would be assigned my case 1 week later i had letter from my bank offering me the money

 

 

Many thanks guys and this would not have been possibel without everyones help

 

Money donated to keep it going !!!!

[blamethebank]

Hi all

 

Just a note to say that before I joined this site (yesterday) I was successful in claiming the following:

 

2 x Abbey Loans £1600 / £3600 successful

1 x Paragon Finance 3,500 approx successful

1 x MNBA £1583 successfu

Barclay Card still awaiting response

 

I have templates that I used I am happy to post them onto the site should anyone require them

[papadak]

Hi all

 

Just a note to say that before I joined this site (yesterday) I was successful in claiming the following:

 

2 x Abbey Loans £1600 / £3600 successful

1 x Paragon Finance 3,500 approx successful

1 x MNBA £1583 successfu

Barclay Card still awaiting response

 

I have templates that I used I am happy to post them onto the site should anyone require them

 

Hello, yes please ... i would very much like to see the template format you used & also how long it took you from start to end. Regards

[blamethebank]

Dear Sir or Madam,

Re: Account Number

I purchased the above policy(s) from you in around year 2000 and topped the loan again but repaid the loan in 2005 but now believe that I was mis-sold this policy for the following:

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

· your salesperson did not tell me that the policy was optional and I have since realised that I could have taken alternative insurance cover.

· your salesperson did not give me full information on what the policy would and would not cover I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. 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.

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,

Hi Papadak

 

This is the letter that I used I have the website that you go on to adapt the letter to suit needs but not sure if you can post them on this site but this is my letter that I have used on all of my claims.

 

Good luck should you need the second letter let me know and I will send that one to you also

[ukaviator]

This is the PPI Successes forum team, can you please start your own threads in the PPI section, where you will get more help.

 

Thank you . .

[papadak]

Dear Sir or Madam,

 

Re: Account Number

 

I purchased the above policy(s) from you in around year 2000 and topped the loan again but repaid the loan in 2005 but now believe that I was mis-sold this policy for the following:

 

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

· your salesperson did not tell me that the policy was optional and I have since realised that I could have taken alternative insurance cover.

· your salesperson did not give me full information on what the policy would and would not cover I am concerned the sales assistant that sold me the policy has no financial background and the policy was not sold in my best interests.

 

Unless you can satisfactorily justify to me that the policy was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. 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.

 

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,

 

Hi Papadak

 

This is the letter that I used I have the website that you go on to adapt the letter to suit needs but not sure if you can post them on this site but this is my letter that I have used on all of my claims.

 

Good luck should you need the second letter let me know and I will send that one to you also

 

Hi yes please, whatever template you have for me to see. I've noticed that sommeone says we should start out our thread ... so if you want to that's fine ... thanks

[stroke a badger]

Well my battle with Beneficial Finance is over - and I won.

 

The loan has now been settled and as of about 6.30pm I am C. £2.5k better off as well.

 

As a result of all this I am £160 better off each month.

 

Ok, so it took just over a year from start to finish and Beneficial Finance swore blind that PPI was not mis sold but at the end of the day what the FOS says goes

 

A wee donation will be made in due course

[alanalana]

Hello SAB,

Well my battle with Beneficial Finance is over - and I won.

 

The loan has now been settled and as of about 6.30pm I am C. £2.5k better off as well.

 

As a result of all this I am £160 better off each month.

 

Ok, so it took just over a year from start to finish and Beneficial Finance swore blind that PPI was not mis sold but at the end of the day what the FOS says goes

Well done you:D

They do not make life very easy. Media state massive mis-selling £1.4Billion in mis-sold PPI and all the sellers put their hands up and say not me guv we would never do anything like that. Just try and hang on to the money which is making them lots of dosh every day.

 

regards

aa

[blamethebank]

This is the PPI Successes forum team, can you please start your own threads in the PPI section, where you will get more help.

 

Thank you . .

 

Yes please

[Bog]

Hello SAB,

 

 

 

Well done you:D

 

They do not make life very easy. Media state massive mis-selling £1.4Billion in mis-sold PPI and all the sellers put their hands up and say not me guv we would never do anything like that. Just try and hang on to the money which is making them lots of dosh every day.

 

regards

aa

 

:-D:-D:-D

 

Well done SAB - enjoy your well earned money!

[papadak]

very well done ... gives us all hope!

[bb23]

I just won my PPI Claim against HSBC. £1,166 is on its way back to me. I sent my first letter 6 weeks ago, had a contact letter at 4 weeks saying investigating and my offer letter came through yesterday

 

WOO

[Bog]

Well done bb23

[Demtootief]

Well done BB23 HSBC was one of the more easier financial institutions that have refunded PPI to me!!!

 

They are ok for something I guess!!!