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


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Requested the repayment of PPI premiums paid on a loan my wife took out with Abbey National in 2006 but repaid early, two weeks later received a letter saying they were looking in to it. Today received an offer of settlement - six weeks in total so pretty pleased.

 

Ok, so here is the REALLY interesting bit. My wife had a loan with Abbey in 2001 which had PPI attached to it, the loan was paid off early the following year but because it was more than six years ago i didn't think to claim the PPI back as well. The offer made by Santander for the repayment of PPI paid on the loan taken out in 2006 ALSO included PPI for the loan from 2001 including 8% interest. What started out as a claim for £1,200 ballooned to £4,200.

 

You may be shocked to hear we accepted their offer :)

 

Money paid into my wife's account today. Very happy

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this thread is for ppi wins

 

is it poss you could post in your own thread?

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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sent a letter to Capital One on 12th October, got a response saying to wait 56 days, just recieved a letter saying UPHELD

 

£1787.45 Premiums

£290.78 Associated Interest

£714.98 8% Interest.

£2793.21 Total

 

Does that sound right though the PPI was added from 2004, surely the associated interest (card is @ 24.5%) should be more than the 8%, have they just got the figures the wrong way round??

Just waiting for cheques now and then I will be making a donation to this wonderful site :D

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sent a letter to Capital One on 12th October, got a response saying to wait 56 days, just recieved a letter saying UPHELD

 

£1787.45 Premiums

£290.78 Associated Interest

£714.98 8% Interest.

£2793.21 Total

 

Does that sound right though the PPI was added from 2004, surely the associated interest (card is @ 24.5%) should be more than the 8%, have they just got the figures the wrong way round??

Just waiting for cheques now and then I will be making a donation to this wonderful site :D

 

Did you not work this out yourself before sending it to them ?

 

If you have a thread, please put a link here so we can go and have a look at what you did..

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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it's the interest I've been charged by them on the premiums I'd paid.

 

Well done to you - it's your hard earned cash after all so I won't say lucky you. Glad you got it back.

 

I've no idea how much to expect.

 

We had a 5000 car loan - paid off over 4 years and a 4000 personal loan paid off over 3 years. I thought we would just get the ppi premium back. Hoping for 2k for the both.

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it's the interest I've been charged by them on the premiums I'd paid.

 

Well done to you - it's your hard earned cash after all so I won't say lucky you. Glad you got it back.

 

I've no idea how much to expect.

 

We had a 5000 car loan - paid off over 4 years and a 4000 personal loan paid off over 3 years. I thought we would just get the ppi premium back. Hoping for 2k for the both.

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please start your own thread

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Paidtoomuch.

Well done , another result .

Not as big a wow as your last one , but a fantastic result and hopefully just in time for Xmas.

 

Have you started your own thread to check the amounts , because credit card PPI is trickier to determine than loans.

I would do that as advised in an earlier reply .

 

Regards

W

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Quick letter to HSBC recently about PPI on a loan I'd forgotten about - letter back, Dear Mr Hammy, £4253.00 into which account?

No query, no argument - just paid out!

So now to go after the insult they offered on the credit card they defaulted me on seeing as they paid over £4k back to the wife's CC recently too without complaint yet offered me less than £1600 on over £4500 owing PPI/Interest/8%.

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This thread is for PPI success stories ONLY....

 

All off topic posts regarding the timescales and Banks not adhering to them have been moved to..

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?327648-Is-your-Bank-taking-longer-to-resolve-PPI-issues-than-the-timescales-provided-for-by-the-FSA

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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RBS £2,813.16p and tesco bank £514.39p ....:whoo: sadly the RBS is 28 days wait then I suppose a week to clear..........just in time for the sales :lol: comming shopping ladies lol

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follow the guide in my sig to start a new thread in the PPI section please.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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mbna settled with me for 700 odd quid only took about a fortnight only sent a questionnaire and letter no paperwork called them to confirm they recieved it they told me a cheque was in the post

 

 

i wouldn't trust MBNA to calculate anything properly

 

you REALLY need to do a spreadsheet to CHECK they have not shortchanged you.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Another Success story linked below :)

 

Yam950 - Littlewoods Extra Care Advantage Success

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?328386-Littlewoods-Extra-Care-Advantage-Success

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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on CC no one will! they dont have to pay it - unless you go thru the FOS or court

 

on loans yes they do

 

its just that people do not calc correctly normally.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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Sorry I forgot to confirm that I have received 2/5 PPI complaints from Barclays Bank and they have debited to my account last week.

 

I have still a few more pending and still aggressively keeping a handle on my PPI complaints.

 

I will also be contributing to this site, preferable by cheque.

 

Thanks CAG

Master Sun SAID:

Ultimate Excellence Lies Not in Winning Every Battle

But In Defeating the Enemy Without Ever Fighting.8-)

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  • 2 weeks later...
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I claimed against HSBC for 1 loan I had more than 6 years ago. They replied having found another 2 I wasn't aware of that were older.

 

Got an offer today of £3572 for all 3.

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I got £750 from Halifax, they sent out the cheque without any problems until I realised they had put the incorrect name on it. I phoned them and sent it back, and now 6 weeks later I am still waiting for the correct cheque name...anyone know of anything I can do do speed them up??

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