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

[gregssausageroll]

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.

Have lodged two complaints with Barclays today but they were for a loan and overdraft from eons ago so not sure if I'll get anywhere? But the lady on the phone said they had records of PPI having been paid on them both so that's hopeful right?? She gave me the 2 policy numbers anyhow and a phone number to chase up if not heard anything in 2 weeks.

It sounded like they had already collated a list of people who had paid PPI (and possibly would complain) so I'm keeping everything crossed. Spent almost an hour trying to trace my old mortgage only to find we hadn't had PPI on it in the first place. Can't win 'em all eh?

Tequila yes, I understand what you're saying ref calculating the interest, doesn't add up does it?? Perhaps another phone call?

Tequila just noticed on previous page that your DH got a settlement from Barclays for overdraft protection fee. Do you mind me asking if it was for an account he currently holds? Or one from years ago? Thanks

I got an offer of £2500 from Mint last week.

Letter from Rbs today to fill in and sign with DH as its a joint claim. Will send it tomorrow and fingers crossed that it hurries up!

I am hopeful and if i get what I think we will then our holiday in may is sorted. But if not we have our savings and it's not all lost iyswim.

Has anyone had any success from stuff that was further back than 6 years?

Congrats Greggs I did the same as you £3340. :o

Shakey, yes it was the account he currently holds. It was paid into his account today, and another PPI payment taken out at the same time so will have to ring them tomorrow.

I rang BoS and asked about the 8%, the guy on the phone agreed with me that it didn't look right and is going to get somebody to look into and get back to me.

Just waiting on Capital One now!

Ahh right thanks. Was hoping it was a closed account, as is the one I'm claiming for. One thing that puzzled me, she said that the overdraft one was closed in 2011. Now, I haven't had a bank account with Barclays since 2004 so that's confused me a bit Hence me asking

A waiting game now. But I distinctly remember them saying I wouldn't get the loan/overdraft facility if I didn't take the insurance, which I relayed to them today when she asked why I thought I was misold. Explained that this was pre-internet, agreements over the phone and you trusted what they said etc.

Barclays have been the easiest so far that we have dealt with. I don't think they even asked why he thought it was mis-sold!

I'm sure it'll be ok and you'll get a nice fat cheque back soon.

I just can't understand why they are still taking it out of his account when they've settled the complaint about it? Most bizarre, I'll be after interest on this months payment too

Im waiting to hear from TSB. Ive heard they are the worst to deal with

Received a cheque this morning for £94.51 from BoS so they obviously sent that before I queried the 8%.

Not sure whether to cash it or hang into it until they come back to me. They didn't ask if I wanted to accept their offer so I'm guessing that by cashing the cheque I will be accepting by default?

I would hold off tequila until you know whether the amount is correct.

I am claiming from bos too but not heard yet.

Would you mind posting back when you get an answer re the interest?

I have found some details from a loan with Barclays partner finance, how will I know if ppi was on it?

Of course I will Norma.

Re Barclays, just ring them up and ask them, or write a letter asking for a copy of the agreement. You'll need to enclose a cheque or PO for £1 though if you write to them

I received an acknowledgement of my complaint from Egg today, and have 8 weeks to have an official response or else I can take them to the Ombudsman.

Getting slowly closer I hope..... (fingers crossed......!)

Dh got the right runaround from TSB today, tge branch manager told him it wasn't worth dhs time and then hung up on him.

I claimed loads back through a company, but this thread made me rethink it and I remembered some old loans and credit cards. I've done a lot of refinancing over the years, balance transfers, consolidation loans

I have today been given the runaround by Santander, Halifax, and Lloyds. All the banks have been bought or merged.

But I have just phoned MBNA, literally on the off chance and I had a £15k loan that I can claim on! I don't even remember it. I'm so excited now.

MBNA were by far the most helpful, they just found the details, everyone else wanted me to find the details first

Lost boys how far back have you been able to. Lain?

*claim

I had cahoot tell me yesterday that 6 years was the limit, I think that's because most financial institutions only keep 6 years before they go to archive, but I believe it's anything from 2004. I've had success from before then, but I claimed nearly 2 years ago now.

our was 1992 - 2004, however we had all the paperwork to show that PPI was not optional.

Sweet Jesus.

Letter from Welcome Finance this morning.

Original loan was about £800, which was taken out prior to the 2005 date most people claim from.

PPI + compensation being offered is £530.

£530

I could cry.

I was hoping for about £100 so that I could buy a birth pool from ebay second hand, last week we found out it is very likely that DH is going to be made redundant.

£530. I've already kitted out the nursery with the £200 compensation from Santander.

I can't believe it.

Brilliant Fliss!

Wow Fliss!!!!!!

Such good news, am v happy for you!

Excellent news Fliss

that's fantastic news Fliss!