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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:
DonkeyTeapot · 20/03/2012 16:36

Woo Hoo, RESULT!

I got a letter from Egg yesterday telling me my claim is being upheld, and that a cheque for £4,841.26 will be here in 10 - 15 days! I honestly expected to get a "tough titty, you don't get anything" letter - even if I did get anything I thought it might be £2000 maximum.

It was a £10,000 loan which I took out to clear all the debts my ex-h left me with. When he left me in the shit, I made a decision to be out of debt by the time I was 30. That meant paying off £400 every month for four years. Let me tell you, they were four very frugal years!

Is it childish of me to want to stick two fingers up at him, blow a massive raspberry, and shout "IN YOUR FACE, DICKHEAD!" at him?

Massive thanks to Gregssausageroll for starting the thread, as I would never have bothered if it weren't for this.

lisad123 · 20/03/2012 17:02

Woo hoo teapot!

lostboysfallin · 20/03/2012 17:33

Excellent news donkey!

orangina · 21/03/2012 14:04

Fantastic Donkey!

(Eagerly awaits letter from Egg with cheque attached...... fingers crossed!)

WhiteTrash · 21/03/2012 14:14

I got my letter offering £309.

Mine was a v.small over draft so the PPI was peanuts but its buying us a little camping holiday this year so we're happy. Grin

orangina · 21/03/2012 14:21

As a matter of interest Donkey, how long did it take Egg to get back to you from when they first acknowledged receipt of your complaint?

NotMostPeople · 21/03/2012 14:38

Does anyone know what happens if you went through a broker? We took out a second mortgage/loan a few years ago when DH was self employed it included PPI which we were told we had to have. We paid it off three years later. However it was done via a broker so who do we claim from?

DonkeyTeapot · 21/03/2012 16:22

Orangina The eight weeks would have been up today - the offer letter arrived Monday just gone. I was gearing up for a fight, waiting for the eight week mark - I was going to go all Ombudsman on their asses!

I got their letter confirming receipt of my claim on 23rd January.

orangina · 21/03/2012 16:41

Thanks for that DOnkey.... will just have to wait the full 8 weeks then I guess...... Smile

GodisaDj · 21/03/2012 17:00

I never woop but I got £960 put in the bank today! Woop fuckin woop! Grin Grin

Mine was a graduate loan from HSBC. I specifically recall her telling me I couldn't have the rate with PPI. The PPI about £500 odd so have had a lot of interest added.

happy Smile happy Smile happy Smile

BustersOfDoom · 21/03/2012 17:21

Is it better to log your complaint by phone or fill the form in?

I've got a few loans and a credit card to complain about with the same lender. Numpty emoticon.

I've got all my statements going back to 2000 so can prove I had the loans and PPI but don't have copies of agreements. Not sure if that matters?

I'm complaining on the grounds that I was told it was compulsory, it was front loaded onto the loans and that my employment benefits as a civil servant means that I just didn't need it - generous sick and redundancy pay. Anyone else used the same grounds?

OhCobblers · 21/03/2012 21:46

Stupidly started a thread earlier without doing a search first, however, one kindly MNetter replied suggesting i contact the bank first.

So i logged my complaint with Lloyds and will have to wait up to 8 wks, however, if my mortgage was from 2000 - 2006 does anyone know if i'll have a luck as i'm reading about some claims prior to 06 not being successful?

TIA

FayKnights · 21/03/2012 21:51

Busters, I used very similar reasons to you, fingers crossed we get a good result.
Well done Donkey and GodisaDJ really chuffed for you.
I got my acknowledgement about a week ago from the Halifax, so just a waiting game now.

FayKnights · 21/03/2012 21:53

Did anyone see the piece in MSE today about the man who got over £80k back but ended up losing £25K to one of those PPI claim firms who 'helped' him out? Definitely worth doing it yourself!

BustersOfDoom · 21/03/2012 22:51

Thanks Fay fingers crossed for both of us!

Definitely worth doing yourself. The form isn't that hard to fill in! Those companies are just leeches!!

TequilaMockinBird · 22/03/2012 08:20

NotMostPeople, you need to claim from the lender.

Well done to those who've been successful, it's a great feeling when that cheque comes through your door isn't it Grin

I'm still waiting for 1 from Capital One. It won't be much as there was only about £200 on the credit card, but whatever it is, it's better in my pocket than theirs!

DonkeyTeapot · 22/03/2012 08:38

Busters I'd do the form - if you try to to it by phone I'm pretty sure they'd ask you to do the form as well, and it's good to have a copy yourself anyway, in case your claim is lost, or you need to contact the ombudsman.

Don't worry about not having copies of the agreements - I didn't. I didn't even have the account numbers, I shredded all the paperwork when the loan was paid off. The lender should be able to supply a copy of the agreement(s) anyway. I think I just put the years that the loan was taken out & was paid off.

Your grounds also sound fine. I was told PPI was compulsory, so quoted that on the forms. Good luck!

BustersOfDoom · 22/03/2012 13:04

Thanks for that Donkey. I shall crack on with the forms tonight!

Tigerbomb · 22/03/2012 18:01

I read this thread and thought I would try my luck with my own loan

I have today received an offer of 1133.20 , whoo hoo.

This was paid out even though I claimed on the PPI back in 2005 Grin

queenrollo · 22/03/2012 18:33

Dh got a letter from Northern Rock in October and he filled in the form and sent it back. They then sent another form and a letter asking him to fill it in if he wanted to proceed with a claim. Then we got another letter asking if he was really sure he didn't want to claim, so we sent a recorded delivery letter. Then we got another letter from them Hmm sent another recorded letter back asking for confirmation they had received our correspondence.
We didn't hear from them so DH phoned to be told their system acknowledged receipt of his claim form from the first one we sent in....

They told him in Feb that his claim was 'active' so they couldn't discuss it with him and we haven't heard a thing.....

Any advice on where to go from here? I can't phone them as the loan was in DH's name and before we met. DH might need a bit of a nudge to take further steps but what?

ENormaSnob · 22/03/2012 18:59

Think they have time limits to how long they get to deal with claims.

Ombudsman if they are taking the piss.

Shakey1500 · 22/03/2012 19:57

I agree, ring them once more, outline the runaround you've had and tell them if it's not resolved by you're heading straight to the ombudsman. If you can get in a "and he'll probably tell you to add more compensation for your incompetency" they may up their speed.

ENormaSnob whenever I saw your name on this thread I envisaged you as someone called Norma, possibly 50+, twinset and pearls etc. Then I read your username properly Grin Not to say you're not called Norma etc

Anyhow, I'm still awaiting a letter from Barclays. I'll give them till end of next week then give them a ring. I've only made one call to lodge claim thus far.

lostboysfallin · 23/03/2012 12:39

Had letter from mbna saying they will respond within 28 days, fingers crossed

ilovemydogandMrObama · 23/03/2012 13:13

busters I'd do the form. I did a form for the mortgage and a phone call for the loan. The form was sent recorded and they responded in about a week to having received it. The phone call apparently was never made Hmm so ended up doing the form. Some people however have had good luck with phoning.

Re: Ombudsman They are so completely back logged, and the financial sector knows this, so it isn't really a huge threat. Let's put it this way. When DS was 2 years old, we put in a complaint (not PPI) and it's only just been resolved. He just celebrated his 4th birthday Grin

LackaDAISYcal · 23/03/2012 13:17

I'm still waiting for the TSB, but they have another week or so yet before the eight week deadline runs out.

and I'm reminded, by seeing this in active convos, that I still need to fill out the form for Barclay's.....

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