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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:
Original poster
gregssausageroll · 29/03/2012 16:28

WOW! Brilliant Debs. Well done.

OP posts:
lisad123 · 29/03/2012 19:55

We got 13,000 from first plus a few years back, they were very quick and easy Grin

magicOC · 30/03/2012 20:11

Received an offer today of £1548.27

Thanks and Wine being passed thru the the net to greggs for starting this thread and giving me the confidence to try my luck. Thank you.

No cheque tho? They want my bank details to transfer the money into my account. They said they need a recent bank statement to verify the account. Is this safe?

lostboysfallin · 30/03/2012 20:36

Excellent Magic
I'm sure its fine, just making the process longer.
Is that m&s?

magicOC · 30/03/2012 20:42

Thanks LBF

Yes it is M&S

bucketbetty · 30/03/2012 21:09

Hi everyone, great news for some of you. A colleague of mine recently got £8k and encouraged me to contact my bank. I wasn't 100 percent sure whether I had anything to claim. I rang HSBC, I had a vague recollection that I'd paid PPI, I asked them and they immediately gave me 3 reference numbers. One for a graduate loan taken out in 1999, one a personal loan (can't remember when I took that out or how much for - same with graduate loan, can't remember hwo much I borrowed) and a credit card, again can't remember when I took it out or for how much. I think they were all around 10 years ago, so there doesn't appear to be a time limit on it. I googled PPI template, used a Guardian template online and adapted it to suit including the reference numbers given to me by the bank. I sent it recorded delivery 3 weeks ago. I rang the bank last week to make sure they had the letter which they confirmed they had. I guess I just have to wait. Should I chase it up? I'm feeling quite anxious about it. I could so use a little extra money (I know we all could). Does anyone have any advice on whether I should keep chasing or should I just wait the 8 weeks then chase?

KenDoddsDadsDog · 30/03/2012 21:10

Hi bucket. What did you say when you called HSBC to get the numbers?

lostboysfallin · 30/03/2012 21:12

No harm in chasing, they might just be able to give you reference numbers of the claim and tell you how long

bucketbetty · 30/03/2012 21:19

Hi KenDodd, I rang them and said could they send me statements relating to loans I had with them that had PPI (I wasn't 100% sure I had any) and the lady said no need, she could see I had a graduate loan, a personal loan and a credit card with PPI and then proceeded to give me the reference numbers. I hope that helps?

bucketbetty · 30/03/2012 21:21

lostboy, they said that they had received my letter but no action had been taken yet. I would have thought I might have had some acknowledgement letter by now. It's just over 3 weeks, so not that long really.

KenDoddsDadsDog · 30/03/2012 21:21

Thanks! Very helpful.

KenDoddsDadsDog · 30/03/2012 21:26

Just called and they told me to write to the address. Thanks bucketbetty

bucketbetty · 30/03/2012 21:33

Yes, that's what I did. Do you have a copy letter that you can use? Google Guardian PPI and it will come up with a really good, easy to use template.

KenDoddsDadsDog · 30/03/2012 21:35

Thank you. I will do that tomorrow.

ilove · 02/04/2012 13:54

I have 8 Blush to send off tomorrow

bucketbetty · 02/04/2012 19:22

No idea how to attach a link from another thread I started, I wrote a rather long winded update. Please look at it if you're interested. It looks like HSBC have made a bit of a boob. They sent me a letter with Halifax in the subject title in error, they're also saying I'm not entitled to PPI because on the policy numbers relates to a bank account, one was a graduate loan and I cancelled it and they reimbursed me (which may have happened I can't remember and don't have the paperwork). I suspect I may get nothing. This may of course be the usual way things are dealt with in which case I'll still complete the questionnaire and send it back to them - is that right?

ilovemydogandMrObama · 03/04/2012 10:12

bucket I don't understand. Are they saying that you have already been compensated?

Just because you have and/or had PPI doesn't automatically mean you were mis sold it. So, there are two thresholds, one being that you have PPI on your loan/credit card/mortgage and the other being that you didn't need it/weren't consulted/automatically put onto your repayments

bucketbetty · 03/04/2012 19:04

It's all very confusing but thank ilove. I was missold it because I was told that I must have it or wouldn't get the loan in not so many words, this much I do (vaguely) remember. I've asked them to send me the agreements to check .

lostboysfallin · 04/04/2012 10:05

Betty, I saw your other thread but have lost it now sorry.
IME, HSBC are quite fussy about these PPI claims, but I did deal with them years ago before the recent changes. They actually refused my DH's claim, saying that as he was a finance professional he should have known what he was signing. We didn't challenge it as there is a cashback refund at the end of the loan, so decided to wait for that
Their process sounds either unprofessional or they are trying to give you the runaround.
If you remember them saying you couldn't have the loan without PPI, that's not necessarily going to be on the forms, so you will just have to state that on the letter/forms
Complete the forms as best you can, with covering letters of explanation and get them back in the post
Persevere!

FreudianSlipper · 04/04/2012 10:34

i applied a few weeks ago. i am sure i must be owed something, i know i did decline it on my halifax card, but not sure i did on citigroup or mastercard, they both sent me a letter as they knew i woudl be such a good customer Blush and offered me a card, i called then they asked a few question a credit card was then popped in the post

i have just received a tax rebate of £1905 from 2004-2006 as i overpaid tax on my health insurance :)

FreudianSlipper · 04/04/2012 10:37

it was private health insurance i overpaid on....

whatsthatnoise · 04/04/2012 10:42

We just got an settlement of £6021 from Halifax/Bank of Scotland Grin We are still waiting on them looking at 1 loan and a credit card not sure if we will recieve any more.

lostboysfallin · 04/04/2012 10:47

£6k!! excellent. that's a fantastic result

FriedSprout · 06/04/2012 14:41

Good grief, that is amazing Shock

I have put three claims in, two on loans and one for a credit card. Don't hold out much hope though as loans were back in 2003 and 2004. They all had ppi on them which I was under the impression I had to have for the loans and didn't even know I had with the Credit Card Blush

If nothing else, I shall take much more control/notice of how and where my money goes from now on.

Will not know anything until the end of April, although Lloyds phoned and wanted me to go over my reasons for the cc claim again.

Thank you to Gregssausageroll for this thread Thanks

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