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I urge you all to look at PPI and any claim you can make.

(888 Posts)

You don't need one of these so called specialist firms to do it.

I have received an offer of £4221 from M&S in the post this morning.

All it took was a letter asking for my original signed application and then a claim form.

I started the process on 30th October and received my offer today for the cost of some paper and a couple of recorded delivery envelopes.

I am still waiting to hear from a couple of other lenders but what a fantastic start to the weekend.

SnowBells Tue 15-Apr-14 01:19:16

I got offered just a little over £2k from Halifax which is great. It was just the letter though. Still waiting for the cheque (which should come within 28 days of the letter).

ginmakesitallok Mon 14-Apr-14 17:42:12

We've just been offered £5,500 from Halifax, and there are 2 more complaints outstanding. Has come at a good time, didn't even have to complete the questionnaire. It sat around the house for ages (lots going on, never got round to finishing it off), they called me, 10 minute conversation. So easy. Woo Hoo!

matthahn Tue 01-Apr-14 15:22:06

I got £396.48 smile

matthahn Mon 31-Mar-14 11:12:16

Someone on this thread said a minimum of £200 for inconvenience but maybe that's not right. Yeah you are right better than nothing

Shakey1500 Sat 29-Mar-14 17:21:40

How much did you think the minimum was? Not heard of that to be honest. Still almost €150 is better than nothing smile smile

matthahn Sat 29-Mar-14 13:25:09

I thought there was a minimum compensation payout as well. Doesn't look like I'll get much

Shakey1500 Fri 28-Mar-14 20:48:01

About £145.40 smile smile

matthahn Thu 27-Mar-14 17:45:16

Hello can anyone help me out here. My loan was for 2.5k for 1 year.

the PPI was £15 per month for 9 months as i paid off the loan 3 months early.

Can anyone work out for me how much I can expect to receive. I did the claim myself and it was with Lloyds back. Thanks

themoneyone Tue 11-Mar-14 16:19:46

Quick question - does this only apply to loans, ccs and mortgages in the last 6 years or can I claim for every one I've ever had??

Dibble75 Fri 07-Mar-14 13:02:03

I made a claim with Lloyd's in August 2012 whilst on Mat Leave I didn't expect any money back imagine the suprise I had when I came home from hospital to a letter offering me £12,000!
I'm now waiting on a decision on my £4000 credit card from Lloyd's. Fingers crossed I get this as it'll go towards my kids first holiday

V1kk1j Fri 31-Jan-14 20:19:45

Hi,has anybody sent a claim to the fos for a HSBC loan and they have upheld it?we have just received this letter and wondered if HSBC are likely to send more evidence and disagree with what the fos have said.This has been going on for over 15 months now.

Fantastic new, boschy, good for you!

boschy Wed 29-Jan-14 16:08:41

UPDATE!!! I've written to about 6 firms, most of whom seem to now be Santander, had 5 fuck off letters - and today got one offering us £7k on PPI for our first mortgage which we took out 30 years ago!

YAY!! go for it people, keep going, its so worth it!

boschy Wed 27-Nov-13 13:24:35

I've just read the entire thread... so many good stories. I am about to start filling in the forms for each and every financial product we've had in the last 30 years or so... but a few questions, if anyone can help:

1. I've got the MSE claim form; do I need a covering letter as well? and if so do I just say "here's my form, please look into it"?

2. I dont actually know which products we did/didnt have PPI on - write to them all just in case?

3. where companies have changed hands... who do you write to? is it a case of googling their original name and trying to find out?

4. is the same PPI form applicable for life insurance/endownments/pensions/store cards/car finance?

many many thanks if anyone can answer these!

dazworld Wed 20-Nov-13 13:28:54

Hi,

These posts are so inspirational.

I had 2 egg loans from 2001 (£5k), 2004 (£8k) and PPI was added on both loans (as I have the paperwork stating 'PPI' and the PPI amount which would be charged).

But I cannot remember whether I completed an online application form (with pre-ticed PPI) or it was by telephone for either loan.
I don't know if Citibank (who now deal with egg loan PPI claims) has any record of how PPI was chosen - online or telephone - pre-ticked online or not.

Could you please help? As I know I paid PPI I'm keen on getting it refunded to me but want to make sure I complete the application correctly.

Any help gladly received!!!

Just had a no from Lloyds. So off to the Ombudsman I guess. Am gutted, that would have been a lifesaver.

minibmw2010 Sat 16-Nov-13 20:11:36

My credit cards were more than 5 heads ago.

SolidGold Sat 16-Nov-13 19:35:31

Thanks for the info here. Didn't know mortgages were included - will dig out the paperwork and see when it was. Think it was over five years ago - is it still worth trying?

minibmw2010 Tue 12-Nov-13 20:21:46

I'm sorry, I would be too scared to spend it because if they do come back to you for it they'll want it straight away ...

LoosingBattle Tue 12-Nov-13 19:45:23

I made a rather large PPI claim a while ago, got a letter about a month ago to say I was getting the money back.

I then received a letter to say that the full amount had been put onto my credit card, wiping the balance and leaving a hefty amount on the card to spend. Great. :D

Then I got exactly the same letter the following week, only enclosing a cheque for the amount instead of saying that it would be put onto my card!

I have put the cheque into my bank account but feel terrible! Should I confess? Will they come back for the money anyway? or should I keep quiet and enjoy spending it? It has been 10 days since last letter...

minibmw2010 Tue 12-Nov-13 18:43:32

I've had 2 offers from Barclays £1500) and Santander (£1200) with a refusal from Co-Op and Northern Rock. Am sending them to ombudsman as fact I used the same reason to apply for all and 2 paid out and 2 didn't makes me suspicious .. Good luck everyone.

Silverswan1964 Fri 08-Nov-13 19:43:15

Sorry forgot to say had a policy with them for sickness and accident

Silverswan1964 Fri 08-Nov-13 16:48:10

Can anyone help need to know if I can claim against combined insurance of America have seen that they where fined by the fsa for there selling tactics hard sell and told to pay redress but I phoned to enquire and they said it is not the same as ppi please any help much appreciated

lizandlulu Wed 30-Oct-13 16:34:59

ThanK you, yes I did think that might be the case, I don't mind as long as its being looked into.

Shakey1500 Wed 30-Oct-13 16:14:28

I did. Just be aware though that the ombudsman is snowed under with a backlog. Mine took about 18months. But they overruled the bank.

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