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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:
ilovemydogandMrObama · 26/02/2012 13:13

Enorma was just looking at the acceptance form and looks as if it was a joint account, both parties have to sign, so if your ex is in agreement, he would just sign the initial claim form and the acceptance form.

ENormaSnob · 26/02/2012 14:12

Oh that's good then. Seems straightforward.

Thanks.

Hope they will send a cheque in my name only then as obviously we don't have a joint account.

boringnamechange · 27/02/2012 11:16

Just called RBS about my mis sold mortgage ppi and they have started the complaint. He said will take 8-9 weeks but very happy as it only took 10 minutes on the phone! He has to send a letter out at it is a joint mortgage so DH has to sign but so glad I have finally started the ball rolling!

iseenodust · 27/02/2012 11:30

Fliss thanks for great link. Will start the process.

Voidka · 27/02/2012 12:41

Fliss - we have the same. They have had my paperwork for 8 weeks this Thursday. First of all they said they couldnt find me because I had moved address and got married. Once I pointed out I had my account number on the paperwork they flapped around. 2 weeks ago I got a letter saying they had only just received my paperwork which is a lie and they admitted it was a mistake. This morning I get a letter saying they need my passport and marriage certificate which I have faxed over, but they tried to claim it will be another 8 weeks.

I told them this morning over the phone if it goes over 8 weeks I will be calling the ombudsman.

TequilaMockinBird · 28/02/2012 21:14

Yay, got an offer from Barclays this morning for 'overdraft protection' on DH's account. He was only paying about £1.60 a month so we weren't expecting much.

Offer is for £292 Grin

Now just waiting on 2 credit cards

Flisspaps · 28/02/2012 21:30

Voidka I shall ring them up tomorrow then, and when they play silly buggers with me I shall let them know that I know that this is the game that they play, and that they are sailing very close to the 8 week deadline with me now.

Arseholes.

I reckon I'd be able to pay for my birth pool in a box with a payout from them, they want to hurry up as I'm 35w tomorrow, having an angry pregnant woman on the phone wanting her money is not going to be pleasant!

TequilaMockinBird · 28/02/2012 21:33

Good luck Fliss, let us know what happens.

You are right, the 8 weeks starts from when they receive the first letter. Give them hell Wink

ninah · 28/02/2012 21:38

I have been getting cold calls about ppi refunds, had no idea what they were on about and put phone down. Should I have listened? going to check mortgage info asap

TequilaMockinBird · 28/02/2012 21:42

Ninah, if you have had PPI on loans, credit cards, mortgage, overdraft etc then yes, you can claim.

Please please please do not speak to those PPI refund companies though, they take about 25-30% of your refund. It's so easy to do it yourself - 1 letter or phone call in most cases!

Loads of people on here can give you advice, or have a look at moneysavingexpert

notahappycamper · 28/02/2012 22:27

Can anyone help me pls?
I have had some successes with PPI as I have a pre-existing medical condition which nobody ever asked about but would have made any claim void.

Anyway, I had a credit card from A&L in 1998 and MBNA took over ownership of the debt in 2003. They paid out from 2003 and told me to ask A&L for the money from the time before. So I have written to A&L several times and keep getting letters back from MBNA saying it isnt their problem.

I get the feeling they are just passing the buck but are they? Not come across any situation like this when people talk about their experiences. Should I call the ombudsman for advice? I did call one of those companies to claim the money back today and they seemed very eager -like it was going to be easy. I havent signed with them yet so not obliged to go with them

TIA

Flisspaps · 28/02/2012 22:33

Yes to contacting the ombudsman, no to getting one of those companies to do it for you Smile

notahappycamper · 28/02/2012 22:40

Thanks Flisspaps- will do!
(Btw Your name always makes me Smile)

theodorakis · 29/02/2012 07:07

Yes me too, I heard something on Jeremy Vine, went to a free website downloaded a letter template, sent it and got £3k back from Egg. This after being told by their advisor that I had ticked a box, had no claim and that taking action may affect my credit rating.
It feels good to have won, just once.

Original poster
gregssausageroll · 29/02/2012 07:19

Well done everyone. I have received a £900 offer letter from RBS on my credit card. Still waiting ot hear from 2 old mortgages with RBS and Northern Rock.

OP posts:
ENormaSnob · 29/02/2012 08:26

I have sorted the joint mortgage issue with the ex.

They will process the complaint then send us 50/50 each of the offer.

Wonderful helpful staff from bank of Scotland.

Now onto Barclays partner finance who are not nearly so helpful.

lisad123 · 29/02/2012 10:24

ANyone seen this ?

MSE are saying that banks are still refusing claims even if they have mis sold but then if you look further up to 99% of people who went to the ombesman got their claims back!

I had a call from black horse today asking about my work and how long i have worked for local governement and whats my benifits packages, hmm like im going to know that off the top of my head in middle of asda. I have worked for LA for 12 years, but that shouldnt matter, its either missold or not, no matter what my job!

ilovemydogandMrObama · 29/02/2012 10:44

notahappy our mortgage originally was with National Provincial which was taken over by Abbey and then Santander. We claimed from Santander, as when a company takes over a business, they take on all liabilities.

TequilaMockinBird · 29/02/2012 11:20

Lisad did you claim the over limit fees back from Mint or did they just add them on to the PPI claim?

Flisspaps · 29/02/2012 11:34

notsohappy my successful claim was for a product taken out with a company that was taken over too - my loan was with Cahoot, and Santander took them over and dealt with my claim as they are now responsible. I sent the form off about 3 weeks ago, money went into my bank yesterday!

ilovemydogandMrObama · 29/02/2012 11:52

Just out of curiosity, has anyone made a successful claim via the telephone? We made a claim on the phone and haven't heard anything, but the claim in writing, that was made later, has gone through Hmm

LackaDAISYcal · 29/02/2012 12:54

Did you get a letter from the lender detailing the claim ilmd?
I did my TSB claim by phone and they sent me a letter detailing all the relevant account numbers, the reason for my claim, and the timescale for their response.

I'd chase it up with the lender.

3teenhell · 29/02/2012 13:09

I have just called Santander about my cahoot loan and they have registered complaint. Should hear something within 14 days!!!

Does anyone know how good santander are at settling?

Thanks

TequilaMockinBird · 29/02/2012 13:25

Just spoken to Capital One to check that they received the photocopy of my passport. They didn't, apparently Hmm

They asked me to send a brand new claim in with the correct signature on but I declined as I don't want to hold the process up anymore. So I'm off to send another photocopy of my passport, by recorded delivery this time!

LittleBarnOwl · 29/02/2012 13:35

God, thanks so much for this thread! After reading it I phoned RBS PPI claim line and 3 weeks later they have put £8300 in my account faints

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