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PPI, claims, stories, successes?

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By (user no longer on site) OP   
over a year ago

Have you tried? In the process of claiming?

Used a company to do it for you?

Any pointers on how to be successfull?

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By *illow PimpMan
over a year ago

Midlothian

Take it up with your bank first before contacting any ppi specialist's as you won't have to pay a fee if successful

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn

down load templated letters from somewhere like Martin Lewis website

Lloyds TSB have a specialist helpline number which is fantastic, I used them. Covers Lloyds, Halifax, Bank of Scotland & TSB and a few more

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By (user no longer on site) OP   
over a year ago

Asking, because i have and i am going through the whole variety of responses from banks, from incredible lovely instant success to negative, dig their heels in negative responses.

My tip about the negative response is, let that motivate you to persue it, refer it to the ombudsman etc and keep at it.

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By (user no longer on site)
over a year ago

I used the Martin Shaw Templates and successfully claimed money back.

Kay

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By (user no longer on site) OP   
over a year ago

My main bank very sportingly replied saying, "if you can find statements earlier than 6years ago, we will happily re-re_iew your claim", for a while i thought, god, needle in a haystack,lol, but then i found my lifelong house moving bag at bottom of a cupboard, rumaged through that and blimmey, found 2001 statements, so its a bit of a pain but can prove financialy fruitfull.

And last week the ombudsman wrote telling me of how a credit card company i used, "will accept no liability" but intend to treat my claim as if my PPI was miss-sold, and should hear from them within 2 months with an improved offer,

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By *issBehavingxxWoman
over a year ago

Glasgow

I did it all on my own.. As someone else said the "template letters" you can download are great.

Over the years I had PPI on a couple of loans and various credit cards.

So far I've had refunds from 4 of them totalling just under 7k (has taken a couple of years so far) .... Still in the process with another 5 of them. I'm lucky though that I never throw any paperwork out and have everything since 1995 all filed away at home, so was easily able to send them all copies of agreements / statements etc

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By (user no longer on site)
over a year ago

We did it on our own, downloaded templates of letters to send from the Internet, bank caved in within a month,

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By *ikerbob1957Man
over a year ago

Glasgow

I was speaking to a lady who got back £13,000

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By (user no longer on site)
over a year ago

The banks have all told me that as i have no paperwork and that i am going back over 6 years i am fecked.just my luck. Jase

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn


"The banks have all told me that as i have no paperwork and that i am going back over 6 years i am fecked.just my luck. Jase"

not Lloyds Jase as I didn't and I phoned the helpline and they searched back... I had to pass the security questions etc etc but they helped me

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By (user no longer on site)
over a year ago

Done it ourselves, bank offered within weeks.

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By (user no longer on site)
over a year ago


"The banks have all told me that as i have no paperwork and that i am going back over 6 years i am fecked.just my luck. Jase

not Lloyds Jase as I didn't and I phoned the helpline and they searched back... I had to pass the security questions etc etc but they helped me"
I Will get back onto mine.I have just noticed that the sharks i am dealing with have a ppi complaints dept.

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By *iewMan
Forum Mod
over a year ago

Angus & Findhorn


"The banks have all told me that as i have no paperwork and that i am going back over 6 years i am fecked.just my luck. Jase

not Lloyds Jase as I didn't and I phoned the helpline and they searched back... I had to pass the security questions etc etc but they helped meI Will get back onto mine.I have just noticed that the sharks i am dealing with have a ppi complaints dept."

good luck dude

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By (user no longer on site) OP   
over a year ago

The martin lewis money site is helpfull, especially the ppi/questions and answers on ppi matters, covers oodles of "what to do next" details etc.

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By (user no longer on site)
over a year ago

We did it and was with welcome financem who are now liquidated but still pay out only 85 % but better than nout u fne them they send out a form easy to complete and money in bank within 6 week x

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By (user no longer on site)
over a year ago

Bank paid full amount plus interest ... Bank is best way .. Dont go with greedy cunts that take at least 30% for doing fuck all ?

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By (user no longer on site)
over a year ago

I work for a bank, thats the best way to go as they won't take a percentage off the top.

In all honesty even if you asked for it you're as well having a go at getting it because we tend to just pay out on anything.

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By (user no longer on site) OP   
over a year ago


"I work for a bank, thats the best way to go as they won't take a percentage off the top.

In all honesty even if you asked for it you're as well having a go at getting it because we tend to just pay out on anything."

Is it the case that its irrelivant whether you said yes i want ppi on my loan/credit card, if you ticked the box wanting it, said yes to it in any way, the fact is it never was going to do as it was sold to, and thats why claiming it back is available?

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By (user no longer on site)
over a year ago


"I work for a bank, thats the best way to go as they won't take a percentage off the top.

In all honesty even if you asked for it you're as well having a go at getting it because we tend to just pay out on anything.

Is it the case that its irrelivant whether you said yes i want ppi on my loan/credit card, if you ticked the box wanting it, said yes to it in any way, the fact is it never was going to do as it was sold to, and thats why claiming it back is available?"

Depends on how it was done, not sure which bank it was but one of them is pretty bulletproof if you signed up for it due to the terms and conditions contract being pretty tight. I wanna say Barclays but that'd be a guess.

In most cases you are correct.

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By (user no longer on site)
over a year ago

I never took ppl out as i never believed in it, i kinda feel left out now... lol give me some money banks ......

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By (user no longer on site)
over a year ago

my bank paid out without any hassle what so ever no letter just a phone call. took 30 days in total

wee winfgall thamk you very muchly

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By (user no longer on site) OP   
over a year ago


"I work for a bank, thats the best way to go as they won't take a percentage off the top.

In all honesty even if you asked for it you're as well having a go at getting it because we tend to just pay out on anything.

Is it the case that its irrelivant whether you said yes i want ppi on my loan/credit card, if you ticked the box wanting it, said yes to it in any way, the fact is it never was going to do as it was sold to, and thats why claiming it back is available?

Depends on how it was done, not sure which bank it was but one of them is pretty bulletproof if you signed up for it due to the terms and conditions contract being pretty tight. I wanna say Barclays but that'd be a guess.

In most cases you are correct."

Ok, cheers.

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By (user no longer on site)
over a year ago


"I work for a bank, thats the best way to go as they won't take a percentage off the top.

In all honesty even if you asked for it you're as well having a go at getting it because we tend to just pay out on anything.

Is it the case that its irrelivant whether you said yes i want ppi on my loan/credit card, if you ticked the box wanting it, said yes to it in any way, the fact is it never was going to do as it was sold to, and thats why claiming it back is available?

Depends on how it was done, not sure which bank it was but one of them is pretty bulletproof if you signed up for it due to the terms and conditions contract being pretty tight. I wanna say Barclays but that'd be a guess.

In most cases you are correct.

Ok, cheers."

Cooperative bank.

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By (user no longer on site)
over a year ago

egg banking used a pre ticked box in the early 2000s, you had to untick the box to opt out.

think they were fined for this practice too.

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By (user no longer on site) OP   
over a year ago


"My main bank very sportingly replied saying, "if you can find statements earlier than 6years ago, we will happily re-re_iew your claim", for a while i thought, god, needle in a haystack,lol, but then i found my lifelong house moving bag at bottom of a cupboard, rumaged through that and blimmey, found 2001 statements, so its a bit of a pain but can prove financialy fruitfull.

And last week the ombudsman wrote telling me of how a credit card company i used, "will accept no liability" but intend to treat my claim as if my PPI was miss-sold, and should hear from them within 2 months with an improved offer, "

Goodwill gesture of £150, refused it, went ombudsman as i said, they did a fantastic job, now getting in the region of thirty times more than first offered.

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By (user no longer on site)
over a year ago


"My main bank very sportingly replied saying, "if you can find statements earlier than 6years ago, we will happily re-re_iew your claim", for a while i thought, god, needle in a haystack,lol, but then i found my lifelong house moving bag at bottom of a cupboard, rumaged through that and blimmey, found 2001 statements, so its a bit of a pain but can prove financialy fruitfull.

And last week the ombudsman wrote telling me of how a credit card company i used, "will accept no liability" but intend to treat my claim as if my PPI was miss-sold, and should hear from them within 2 months with an improved offer,

Goodwill gesture of £150, refused it, went ombudsman as i said, they did a fantastic job, now getting in the region of thirty times more than first offered."

drinks are on T!

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By *ethany10Couple
over a year ago

falkirk

Got Ppi compo from Halifax Bank of Scotland very easily just completed online form and was dealt with in three weeks. I think these companies that do it for you take something like 25% of the proceeds?

Steve

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By *ee-deeWoman
over a year ago

The Kingdom


"egg banking used a pre ticked box in the early 2000s, you had to untick the box to opt out.

think they were fined for this practice too."

Thats interesting to hear as egg have refused my claim stating that i had the option online to accept or opt out...and they didnt offer an advisory service regrading whether to take ppi out or not...was thinking of fowarding to the ombudsman to see if they could do better than me on this one....and after reading what you have said...think it might be worth a try

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By (user no longer on site)
over a year ago


"Asking, because i have and i am going through the whole variety of responses from banks, from incredible lovely instant success to negative, dig their heels in negative responses.

My tip about the negative response is, let that motivate you to persue it, refer it to the ombudsman etc and keep at it.

"

Quite right. I saw a stat that was something like 95% of ppi complaints that were refered to the ombudsman were upheld.

I think the banks are more switched on now, and have specific processes in place to deal with claims.

I made mine early doors and it was found in my favour in about 10 days.

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By (user no longer on site)
over a year ago


"Have you tried? In the process of claiming?

Used a company to do it for you?

Any pointers on how to be successfull?"

Contact the financial ombudsman service! No fees or commission unlike PPI re claim companys

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By (user no longer on site)
over a year ago


"The banks have all told me that as i have no paperwork and that i am going back over 6 years i am fecked.just my luck. Jase"

I'm positive you don't need paperwork. I encouraged my best mate to contact RBS. He hasn't had an account with them for at least 7 years. They wrote back giving him his old account details and he then made a successful claim.

Now I think about it my claim was from more the six years ago and I made a claim without knowing any account details.

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By (user no longer on site)
over a year ago


"Got Ppi compo from Halifax Bank of Scotland very easily just completed online form and was dealt with in three weeks. I think these companies that do it for you take something like 25% of the proceeds?

Steve"

Be careful if you are in default with your bank and you make a successful claim through a claims company. Have heard various stories of this scenario and the bank use the claim money to pay off the defaulted funds, and that leaves you having to pay the claim company from your own pocket.

The whole process is straightforward so please stay away from them....get 100% of your award all to yourself.

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By *otscot123Man
over a year ago

perth

I got a letter from bank saying no we think you were sold it knowingly...(allong the lines of that) do they send that out hoping you go away??? Anyone had a payment back after this letter from tsb???

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By (user no longer on site) OP   
over a year ago

Have a scroll through this thread, few pointers on that very thing.

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By *ir laugh a lotMan
over a year ago

glasgow

i have never held a credit card and never had a mortgage i have been lucky..never to have had ppi ,i drafted letters for friends to claim and to date all have had significant refunds without the need to pay 30% fees so i suggest write a simple letter enclosing account number and if possible a photo copy of last statement to verify your account and request a refund ,, good luck

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By *issBehavingxxWoman
over a year ago

Glasgow


"I got a letter from bank saying no we think you were sold it knowingly...(allong the lines of that) do they send that out hoping you go away??? Anyone had a payment back after this letter from tsb???"

Yep, I got about 3 letters from them claiming similar. kept on and got just over 2k back from them

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By (user no longer on site) OP   
over a year ago

They usually reply with financial ombudsman info, give you the option to refer your complaint to the ombudsman and you really should.

The 30% is taken by and if you use a ppi reclaim company.

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By *cottybhoyMan
over a year ago

falkirk

How far back can your claims go folks?

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By *issBehavingxxWoman
over a year ago

Glasgow


"How far back can your claims go folks?"

6 years.

although that's when it had to be active, so for example if you took out a loan 11 years ago over 5 years and the last payment (with ppi included) was within 6 years you can make a claim.

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By (user no longer on site)
over a year ago

5 years

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By (user no longer on site)
over a year ago

I've just had a letter saying the wont pay out because I took the ppi In good faith that was 5 years ago I can't remember ... Any way around this

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