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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:
Thisisformatilda · 06/04/2012 19:08

I'm in shock.
Just wanted to say thank you for this thread.
I had been meaning to claim but couldn't be bothered to fill in the forms.... But your thread inspired me to do it and today I got a letter offering me.......

£15,000

(falls off the sofa again.....)

Oh. My. God.

mumatron · 06/04/2012 19:15

[bushock] Matilda! Wow. That is amazing.

Well done!

I hope your going to treat your self now.

boringnamechange · 06/04/2012 21:13

What's everyone using their Money for? My list is getting bigger and bigger and it's probably not going to even be accepted!
Some brilliant results here tho!

Thisisformatilda · 06/04/2012 21:29

I need to pay off credit cards and overdrafts
So much debt here!
But I really really want to book a Holiday go on a massive spending spree!!!!

TequilaMockinBird · 06/04/2012 21:31

Wow, well done Matilda!

I got the majority of mine back about a year ago and we used to it get married abroad. The couple of claims I'm waiting for now will be £100 ish, if that, so will be spent on treating myself Grin

DonkeyTeapot · 06/04/2012 23:45

Matlida That's amazing!

BoringNameChange I've treated myself to an SLR camera, which I've been wanting for a couple of years but wasn't able to entertain as a realistic possibility. I'm also learning to drive at the moment, so the rest will go towards a car, tax, insurance, and other equally unexciting but necessary costs.

BustersOfDoom · 07/04/2012 00:31

Bloody hell Matilda that's fantastic!

I've had a letter from LTSB saying they're looking into it and will be in touch within 8 week and one from a firm that we bought a pc from (not naming them but it sounds like smell) telling me to bog off because signing the credit agreement meant I accepted the PPI as did not cancelling it within 90 days.

They have totally ignored the fact that there was no way to opt out of the PPI when buying via their website. I even tried to phone them to sort it out but they always told me I needed to speak to someone else ad infinitum. I just gave up in the end. They have also helpfully included in their letter that I could've got a copy of the PPI policy they had sold me by writing to the underwriters to request one. So by their own admission they sold me something without me having the chance to review the full terms and conditions. Off to the Ombudsman with that one methinks!

lisad123 · 09/04/2012 18:23

We received a cheque for £231 today, and can't work it out at all. The total amount of redress was £1800, and even on the breakdown it doesn't tally. We also asked for it to paid in direct to account. Anyone know what's happened? Have they completely screwed us over?

TequilaMockinBird · 09/04/2012 19:25

Can you type the breakdown out here Lisa?

lisad123 · 10/04/2012 09:14

It's quite long as its three separate agreements.

The last section says:

Payment to ppi 1463
Excess balance 140
Subtotal 1603
Stat interest 290
Less tax -58.12
Total £1835.82

lisad123 · 10/04/2012 09:30

Omg!! Just got hold of them and they are saying that's all we are getting AngryAngryAngry
They say we had a pay out on ppi previously and they hadn't noticed Hmm
I'm certain we haven't! They are useless, didn't inform me of this, I have a offer here from them and they are now looking into weather they have to honour itConfused
I can't talk to anyone directly as its dealt with via admin team and they don't talk to customers directly Angry

Shakey1500 · 10/04/2012 14:52

Ask them to provide proof of the previous PPI payout?

TequilaMockinBird · 10/04/2012 14:54

That's weird Lisa, I haven't heard of that before. I thought their calculation may give a clue but no, I still don't understand it!

I'd definitely ask for proof it was paid out previously.

Avenged · 10/04/2012 15:04

Not sure I had a PPI, but if I did, my loan was paid off in 2005. Would I be entitled to make a claim for a PPI as far back as that?

BlingBubbles · 10/04/2012 16:02

Question for those that have claimed against Egg:
Barclays has recently taken over Eggs credit cards, do we need to claim through Barclays or Egg?
Did you send all original documents with the claim?

Thanks Grin

orangina · 10/04/2012 16:16

Hi Bling.... I have an ongoing claim with Egg which I put in in early March.... I went through them directly, as that is who I took the loans out with.

Meanwhile, in a fit of efficiency, I shredded all my loan documents after I paid it all off (!!!), but I just called the Customer Service Dept (I think I wrote down the number upthread) and gave them my details and they came up with the account numbers and amounts of the loans themselves, plus they confirmed that I did have PPI on both of the loans (and I only thought I had ONE loan, I had compeltely forgotten about the other....!).

I just sent a letter that referred to the loans and their account numbers, (plus the dates they were paid off by, given to me by Egg), plus why I didn't think I should have had PPI (in my case I am self employed, and have been for over 10 years).

I then got an acknowledgement within a week and am in the middle of my 8 week waiting period for them to deal with my complaint. Am fully expecting pay out, but will take to Ombudsman if they don't.....

(Really hope to burst onto this thread in a few weeks time with a breathless "I can't beleive it! They have sent me a cheque for [insert giant amount of money here].....!" Grin)

BlingBubbles · 10/04/2012 16:23

Orangina, thanks so much, got the number you put on and will give them a call now to get the details of my loans and credit card.

Hope you get some good news through the post soon

orangina · 10/04/2012 16:29

Oh good, let us know how you got on! A quick question for all of you in the know. I have had endless credit cards over the years, many of which I have now dumped. If I would have had ppi on any of those, would it have showed up as something itemised on the statement? In other words, if I had never noticed anything on the statement, would I not have had ppi?

(Thinks about contacting EGG again re: credit card.....)

TequilaMockinBird · 10/04/2012 16:52

Avenged, it's worth a try! One of mine was from 2005 IIRC

Orangina, yes it would show on the statement as insurance but you may not necessarily have noticed it. If you still have the statements, have a look back through, alternatively just ring the card companies up and ask them.

orangina · 11/04/2012 14:45

Have just got my offer! £4200+!!!!!!!!

Am VERY excited! The entire thing took me about a half hour in total (calling Egg, getting my details, writing the letter....), so I urge EVERYONE to have a go.

Grin

Thanks SO much Greggs for starting this thread and to everyone else for posting their success stories. I would never have thought of doing it otherwise.....

Wine Wine Wine all round (after 5 o'clock obviously.......!) Smile

OhCobblers · 11/04/2012 15:32

I called LLoyds TSB about my mortgage protection taken out from 2000-2005.
Gave the girl my details and she logged the complaint and said i did not need to write in as well (she was in the Mortgage dept rather than PPI as i had no intention of being diverted to Manilla ....).

Got a letter saying that there was NO PPI under the mortage details i had given. Called them again yesterday and said yes there was as it is itemised as a PP Ref on my bank statement and my mortgage and PPI have different reference numbers which i had given them. They now want this as proof so i have to post if off to them. Bloody annoying as thats now taken over 2 weeks to get to to this stage.

Anyone else had similar happen??

Shakey1500 · 11/04/2012 19:16

Ohcobblers I rang Barclays to enquire about PPI on my Barclaycard, she said I hadn't paid any on the credit card but HAD on a Barclayloan and Overdraft. She also said I didn't need to write in, gave me 2 reference numbers, said if I hadn't heard owt to ring xyz number in 2 weeks. I didn't hear so rang, they had no reference or clue about it. Said I had to fill in the claim form etc. So that wasted 2 weeks. Sent the form week and a half ago and had no acknowledgement as yet.

orangina whoop! Well done!

Shakey1500 · 11/04/2012 20:31

So hopefully Barclays will come good and I'll be posting my own "You'll never guess what!!!" post soon Grin

orangina · 11/04/2012 20:49

Let's hope so Shakey.... Smile

TequilaMockinBird · 11/04/2012 20:52

Brilliant news orangina, well done!