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

(907 Posts)
gregssausageroll Sat 14-Jan-12 09:04:12

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.

AlvinHallsGroupie Mon 13-May-13 15:07:35

Yes powder I had a letter regarding an old EGG account and I filled in a questionaire and got a nice payout.
I think that the rules changed and now they have to contact you if they are aware of PPI mis selling.

MissDD1971 Tue 14-May-13 21:14:06

Very strange as after I got rebuttal letter from capital one (drafted another one to them) then a further one to egg (they returned 1st one) egg then sent me a generic letter re PPI.

Lloyds are right sods I did get a payout but 2 other loans I don't know when or what they were for. Also I can't chase during work lunch eggnog I did try their line was always busy! So got holidays soon can chase up.

Don't give up. And also check if its being charged on new loans etc i found out my new (paid off) lloyds loan had if added automatically and I was furious!

Shakey1500 Tue 28-May-13 21:22:23

<drums fingers whilst waiting over a year with the Ombudsman>

So, anyone had any success with The Ombudsman? I have had very nice letters apologising for the delay. I'm with Barclays.

friendly Tue 25-Jun-13 23:08:18

This is such an interesting thread. I got dh to ring lloyds to see if we'd been sold ppi on our loans. We've had 3 but the lady said no ppi. I'm being silly to even doubt she's telling the truth aren't I? Lloyds are in enough shite. We have had so many cc over the last 15 years blush I'm not sure here to begin...

Shakey1500 Fri 09-Aug-13 23:53:09


Had a letter from the ombudsman and they've upheld my complaint. Barclays will be making an offer in the next 8 weeks. I'm thrilled and it only took almost a year and a half


onedayiwillmissthis Thu 15-Aug-13 08:31:57

big thank you to all the people on here giving advice & info thanks

WhyMeWhyNot Fri 16-Aug-13 09:33:20

This thread inspired me. I just spent 37 minutes on phone calls to 3 companies (6 accounts). Found I had PPI on 4 of them and process to reclaim done over the phone.
So easy. They were falling over themselves to give me all the information!

Shakey1500 Thu 22-Aug-13 18:53:41

Cheque arrived today £4123.09 grin

etubrute Thu 22-Aug-13 20:45:50

TSB total payback £7050.53p! Used it to pay off some other smaller debts which technically we wouldn't of had if the robdogs hadn't been amount of cash freed up each week....£120! A bit gutted that it went in 1 hand and out the other but we have only had £20 'free cash' (weekly) after bills and food shopping for the past 4 years so this is heaven smile we wont be stressing about uniforms this year!

Happiestinwellybobs Fri 23-Aug-13 12:50:37

Another one saying thank you for encouraging me to finally look at this. Two forms - most questions we answered "don't know/can't remember" so really wasn't holding out much hope. Just been offered just over £4.5k - for less than 30 minutes to fill the forms in. So chuffed grin

WhyMeWhyNot Tue 17-Sep-13 16:33:31

Quick update from 16 aug. made phone call on that date to my bank, they said couldn't see that I'd had PPI but they'd initiate a claim. Roll on 32 days and I've been awarded £2349.

Still got 2 accounts with other companies in the claim process and this one was the least hopeful claim.

If in any doubt do claim. I had no paperwork at all but was successful.

unity156 Mon 21-Oct-13 23:02:20

Hi I hope people are still using this thread? Need some guidance over how long FOS are taking to sort claims out.
I have already done well with a few claims myself but for some im afraid I used a claims company, they were successful with one or two claims but I have had three bank credit cards revoke my claims. The claims company sent two to the FOS and the other they are still suppost to be persuing but it has been nearly a year and everytime I phone the company they say they are still on going and the two with FOS can take over a year! help is this right and advice please.

lizandlulu Mon 28-Oct-13 21:55:16

Hiya, I have read a few pages of this thread but not all. I am new to all this as I have beenignoring it for far too long.

The only thing I have done is to ring brittania about ppi I had on a mortgage, they sent me a letter within a week to say I signed all the forms, was aware of what. I was signing and they don't uphold my claim. So have just filled out the financial ombudsman forms ready to send off as soon as I have copied the paperwork to send with it.

Has anyone else been refused by the bank, but then got money back using the ombudsman?

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.

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.

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

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

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

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.

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 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 ...

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 Sat 16-Nov-13 20:11:36

My credit cards were more than 5 heads ago.

GwendolineMaryLacey Tue 19-Nov-13 13:49:40

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

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


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!!!

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!

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