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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:
TequilaMockinBird · 29/02/2012 13:37

Wow, excellent Littlebarnowl!

Happy spending Grin

Flisspaps · 29/02/2012 14:11

3teenhell As I said in my earlier post, I sent the form off to Santander (re Cahoot) about 3 weeks ago, I had an offer within a week and the money hit my bank account yesterday Grin

nagynolonger · 29/02/2012 14:22

Can PPI have been mis-sold if it was taken out willingly and the ccompany paid up (eventually!) when DH was out of work?

Flisspaps · 29/02/2012 14:23

Were you told you HAD to have it (or else you couldn't have the loan/CC)?

3teenhell · 29/02/2012 14:41

Thanks Flisspaps
How do you know how much you might be due? I no longer have paperwork for this loan so can't look it up. Is there any way of working it out?

nagynolonger · 29/02/2012 14:45

I'm not sure! Will ask DH. DH was self employed at the time and he had real trouble getting the company to pay up when he was ill. We keep getting phone calls and I just hang up are these claims companies phoning everyone?

Flisspaps · 29/02/2012 14:58

3teenhell They write to you with an offer, then you reply to say 'yes please' or 'no thanks, I think I'm owed more' :)

nagy I think they'll be cold callers ringing on the off chance that someone somewhere might have a claim they can deal with. You don't need them though - honestly, why shell out 30% of what you're owed when you only need to fill in a form or two yourself? Even if you're not successful, you've only paid out for a stamp anyway Grin

boringnamechange · 29/02/2012 15:47

Littlebarnowl - was it mortgage or credit card? And did you have a joint claim and need a letter signed? I have just called the number on Monday 3 weeks sounds brill though!

3teenhell · 29/02/2012 15:54

ok will wait and see what they say.

Have now also called HSBC about a credit card that has 10,000 on it at one point so hoping that that had PPI!!

lisad123 · 29/02/2012 15:57

I didn't apply for the fees they just added them in Grin
They didn't admit admitt to mid selling but as a good will given the time passed since complaint lol

lisad123 · 29/02/2012 15:57

I made ppi claim over phone to first plus many years ago. All went well Smile

Bucharest · 29/02/2012 16:00

3teenhell, I am (thanks to this thread which has got me motivated!) d/l the form for an HSBC card similar to yours. Fingers and toeses crossed!

3teenhell · 29/02/2012 16:03

oh yes Bucharest everything is crossed here!!

LittleBarnOwl · 29/02/2012 21:42

Hi boring it was a loan, there was a loan chain over a few years so I got the £8000 in 4 separate payments plus the interest was separate. I was shocked how quick and easy it all was!

orangina · 05/03/2012 11:18

Am so excited to have discovered this thread. I have no idea if I was mis-sold PPI but I guess I might have been, as I had an Egg loan and am self-employed.

Have just been on the Egg website to try and find out who to write to (I think I efficitnely shredded all my loan paperwork 3 years after I paid it off in full....) for information about my loan.... but I can't really find what I'm looking for. Has anyone here successfully got a refund from Egg?

Thanks Smile

orangina · 05/03/2012 12:32

Ok, found EGG Freefone customer services number through another forum and they were SUPER helpful (0800 7834393 if anyone needs it). Have discovered that I took out not one but TWO loans (how could I forget Blush?) and they have basically given me all the information to submit my claim. Have written my letter, filled in the Ombudsman questionnaire form and should receive recipt of my complaint within 5 working days.

Fingers crossed! Smile

TequilaMockinBird · 06/03/2012 09:37

Well done, orangina. Fingers crossed for you! Do let us know what happens, it's great hearing so many people getting refunds, and spurs others on to get their claims in Smile

orangina · 06/03/2012 22:54

I am VERY excited about it! I'll let you know...... Smile

FayKnights · 06/03/2012 23:03

Great thread! You all spurred me on to claim on PPI on a Halifax mortgage which was taken out in 1994 and finished in 2010, fingers crossed we get a little something. Keep the outcomes coming!

Shakey1500 · 06/03/2012 23:44

Great thread, what a thrill! Ok some questions, apologies that similar have been asked...

I had an overdraft and loans with Barclays in the early 90's, I know I definitely paid PPI on them (on the basis that they'd be refused otherwise), too long ago to claim you reckon? Worth a go?

DH and I had a mortgage that would have started year 2000 BUT being as we chopped and changed lenders a bit I cant remember who we originally took it out with (I know! ) what to do? How to trace? The credit file you think?

I've had a Barclaycard Visa for YEARS but not sure if I pay PPI on it. Would it be "in" with the interest or listed separately?

Thanks

TequilaMockinBird · 07/03/2012 10:19

Definitely worth a try shakey!

I think credit files only go back 6 years, could you get a copy of bank statement from the time you took out your mortgage?

PPI is usually listed separately but isn't always called PPI - DH had it on his overdraft with Barclays but it was called overdraft protection payment

3teenhell · 07/03/2012 11:52

Got a letter this morning offering me £1021 from santander!!

TequilaMockinBird · 08/03/2012 21:56

Well done 3teenhell Smile

lisad123 · 08/03/2012 22:46

Got an offer of £1823 from black horse this morning Grin
Taking barclaycard to ombesmen though Confused

TequilaMockinBird · 09/03/2012 12:08

I've just had an offer from Bank of Scotland but think it may be wrong - can anyone help?

Refund of premiums £69.68
Refund of interest applied to the account because of PPI £24.20
Interest at 8% £0.63

I thought the 8% interest was per year or something? 63p isn't 8% of £93 last time I checked!

Does anyone understand?