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Original poster

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

906 replies

gregssausageroll · 14/01/2012 09:04

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.

OP posts:
LackaDAISYcal · 13/02/2012 14:36

Thanks Bucharest, I've found all the info now. I stupidly didn't realise that Barclaycard and Barclay's were the same institution Blush

Tequilamockinbird · 14/02/2012 12:10

I've had a stalling letter this morning from 1 of my credit cards saying that my signature doesn't match the one on their files Hmm

So, just been and posted a photocopy of my passport so that they know I'm definitely me!

Flisspaps · 17/02/2012 20:59

Had a lovely letter from Santander today (re my Cahoot loan) offering me a refund of £198.75 for my PPI plus interest. That's going to pay for some furniture for the baby's room :)

Fabulous Grin - I only remembered my loan with them because of this thread, and even then only sent off the form on the off chance that I'd been mis-sold PPI!

Sent my shitty letter off to Welcome today seeing as they've been fartarsing me about telling me to contact this department, that department and send this and that in, and even now I reckon that THIS department will tell me to send in proof of my name change and address (which Santander didn't send back) even though the other arsing office have seen it.

LackaDAISYcal · 17/02/2012 21:07

Excellent news Flisspaps :o
There's some advice on MSE re dealing with welcome, or whoever owns them now. Might be worth checking it out over there?

Flisspaps · 17/02/2012 21:45

Thanks for that - I've already been over there and sadly I have to deal with them direct rather than through FSCS as my claim is for a pre-2005 loan :(

I think they are just using delay tactics to put me off claiming, I reckon they must get a lot of people who get so far down the line and then give up, thinking what they'll get back isn't worth it. I don't care if I end up out of pocket chasing them, it's the principle!

morecoffeepleaseholdthecake · 17/02/2012 22:11

Hi all. I've just come across this thread. I have wondered whether Dh and I could claim back any ppi. Trouble is, the credit cards, loans and store cards we would be able to claim it on, we no longer have any paper work. All accounts are closed. I could contact the companies with only my personal details (name, address etc),approx years I held the loan/card and that's about it. Is this enough?

Confused
morecoffeepleaseholdthecake · 17/02/2012 22:12

...... oh, and how far back can I claim?

WhiteTrash · 17/02/2012 22:14

6 years.

Im waiting for mine at the moment. Its peanuts, only £213. I really hope I get the full amount its not much! Got to wait a month yet though.

TwoNoisyBoys · 17/02/2012 22:18

I can't remember what policies DH and I have had over the years - I went through a stage of changing credit cards all the time to take advantage of interest free periods etc.........Don't know how I'd even begin to sort it out? I've got some records going back a couple of years, but wouldn't have a clue! Sad

Flisspaps · 17/02/2012 22:23

morecoffeeplease I had no paperwork for the cahoot loan I mentioned earlier Smile

I think some people have made successful claims on products over 6 years old and the Welcome loan I am pursuing is from 2004. Write to the lender using the PPI claim form on the moneysavingexpert site and see what you get - at worst you lose the cost of a stamp!

LackaDAISYcal · 17/02/2012 23:47

If you know the lender you can request all the financial information they hold on you. That costs £10 though, so if you had a few lenders it could mean being temporarily out of pocket.
Check out the websites of the lenders involved and of course the PPI threads on moneysavingexpert!
One of the ones I'm pursuing was a mortgage I had from 95 to 03 and my bank said they would search for all products I've had over the years that may have had PPI attached. It seems that some are better than others at being helpful!

LackaDAISYcal · 17/02/2012 23:52

Whitetrash, was that the amount of PPI paid by you? If do, as well as getting it all back you should get interest at 8% (which is applied to each payment if paid monthly) plus a minimum of £200 compensation for the inconvenience; the compensation depends on whether it was a loan or credit card iirc

Sanesometimes1 · 18/02/2012 00:53

just marking my place here - too late to have a proper read will do in the morning ! very interesting.

BrightnessFalls · 18/02/2012 01:07

Welcome were fab at responding to me. I don't think it's a strict six year claim period either

Flisspaps · 18/02/2012 13:05

Brightness They're good at responding to me, just not with the information that they should be giving me - they're very quick to email back but so far it's led nowhere. PITA.

morecoffeepleaseholdthecake · 18/02/2012 15:34

Thanks white fliss and lack

Will get onto it next week when the dc's are back at school. I am pretty sure there are a few lenders that I took it out with.

Will update with progress next week :)

edinburghrock · 22/02/2012 15:35

Let us know how you are getting on Smile

lisad123 · 22/02/2012 16:36

All of mine have given me the date of 7th of march. March hopefully might be a good month Grin

lisad123 · 22/02/2012 16:37

My cousin got his back £7.5k and they are getting married on the money Grin

LackaDAISYcal · 24/02/2012 00:16

I've had confirmation letters from Lloyd TSB. As well as the two loans, two credit cards & my mortgage, they have unearthed a further four products where I had PPI! I need to query the reason they have put on the claim though, as it seems a bit ambiguous to me, and not the reason I gave over the phone Hmm

Woohoo for your cousin's payout LisaD :o
I need to fill out the form for my Barclaycard as well.

There wss an article on Radio4 yesterday in which they said that only a small percentage of possible claims had actually been made (can't remember the exact figure). I've been telling everyone I know to claim!

Flisspaps · 24/02/2012 07:10

Still waiting on Welcome and Lloyds.,,will be chasing via phone next week if fingers aren't pulled out...

lisad123 · 24/02/2012 08:10

Dh told me that the news this morning said Lloyds tsb have reported bad results de to amount of ppi payouts!! Maybe they shouldn't have got so greedy in the first place Hmm

EdinburghRocks · 24/02/2012 11:18

You do have to wonder though, how many claims are genuine? It has crossed my mind with all those claim companies out there encouraging people.

glittershoes · 24/02/2012 11:49

Hello, really interesting thread.

It has never come into my head as I have only just recently taken out a credit card but I do remember having three payments taken from my account - one in November 2002, one November 2005 and one November 2008 from a company called CPP Limited for some insurance (although I forget what it was for). I was definitely unaware I had it and cancelled it after the Nov 2008 payment.

Anyone have any idea if this falls under PPI and what my next step would be?

Many thanks x

Voidka · 24/02/2012 11:50

Great thread.

I am 7 weeks into a claim from Welcome for a loan we had in 2002. I am hoping to hear from them within the next week.