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.

Just got a letter offering me £4,110 for the credit card, so am very happy that I am on Mumsnet

Am spreading the word in real life too, several friends have been checking with their banks about previous loans and cards and have found that they too were paying ppi. Two of the friends were self-employed at the time and the other thought she had no option but to have ppi in order to get the loan. So they should all have a good claim. Certainly, for the sake of a couple of phone calls and a form, they are intending to try.

Another remembered that she used to have a M&S card years ago, and that too included ppi. She has been savvy enough in recent years to know she would not be covered or need it on recent loans, but had forgotten all about this aging card.

Everyone out there, if you have or had a loan, mortgage or Credit card, even if you no longer have the details, go on-line to the lenders web-site and follow the links to the ppi claims number. They must tell you if ppi was included. If it was, they will ask why you think it was mis-sold, even just "not knowing about it", or not thinking you had an option may well be enough reason.

Look at the links higher in this thread for more info. Don't hesitate to do this, or get nervous, there really is no need to use an outside agency to do this for you (and claim a large chunk of any settlement from you).

As I said before, if I managed to do it, then anyone can

Shakey I have also had this from Barclays. Telephone call to say they had no records and they would close unless I had more information, such as a policy number.
I have called to say I provided the policy number on the form and been told they will look into it again! I also have evidence that £30+ a month was being charged and included in my mortgage payments.

I love you gregs

Just spoke to Lloyds and they are sending me an offer letter for £6000 !!!

So how long from the offer letter has it taken for the funds to be credited?

Hi all,

Long time lurker, first time poster. After being inspired by all of your amazing stories on this thread I thought I'd get my ass in gear and write to Barclaycard in regards to my PPI. The card was originally owned by Egg and having sold it on to BC I duly filled in the forms as best I could. Got the obligatory letter saying they'd look into my claim and they would write with the outcome by the 17th April.

Fast forward and on the 18th April I received a letter saying they were still looking into my claim and waiting on paperwork (presumably from Egg) and they would be hopefully getting back to me soon on their decision. It also said I was within my rights to go to the ombudsman if I wanted as they had gone over the time limit.

So my question is, should I wait it out with BC and give them another month to get their asses in motion, should I go straight to the ombudsman now or something else ive not thought of?!?

The letter I received on the 17th gave no further timescales of when they might come back to me.

Thanks in advance!

Doris.

Doris, from what I've read on money saving expert, it's usually quicker to hold out for the original lender. If it goes to the ombudsman, it can take up to a year apparently. So, I would give them a few more weeks, but maybe pop over to MSE and see what their advice would be.

The ombudsman is not the fast option. We had another complaint that took 3 years, although this also included an appeal from the adjudicator. All the ombudsman would do initially would be to write to the bank for a decision, so think it would be best to wait for their decision.

Does anyone know if this applies to pensions? My DH is self employed and has a personal pension which he's paying PPI on. I've tried to google it but had no luck - hopefully someone might know here.

Thank you for your advice. I'm going to hold out for a bit longer. I'm just aware I'm due to give birth to Dd2 in 8 or so weeks and having a toddler and a new born around will mean less time to keep on top of this!

I actually wrote 2 Egg, and got a reply, and they are looking in2 my claim, but needed a copy of my marriage cert as proof of ID. I got £270 back of Capital One, not much but a start. Am going through all the credit card companies I used. It's gonna take ages!

I've sent off my letter to Moorgate (who Egg sold my original loan onto), fingers crossed for something, there was nothing about the PPI being optional on the loan agreement, it was just lumped in

I'm shaking
£11,776.43
On a loan of £15k, that I can't even remember
Mbna
Greggs, thank you thank you thank you

ITs not actually the loan, it's a credit card.Again, one that I didnt remember. The loan hasn't been calculated yet.
Will book holiday flights now for my extended family too.
And DS can get a new bed

Bloody Hell lostboys!!!
That is fantastic :o :o :o
Is that one of the biggest payouts on the thread to date?

I really must do my Barclaycard complaint form too. Am being very lax with it!

I called Looyds TSB line earlier....payment is still in the system for my bank loans even though the offer letters are dated 5 April, and they couldn't tell me how long the other complaints would take, just that they were with the refunds team. When I asked what the FOS timescales were for following up a complaint after providing further information, she couldn't tell me. When I asked if she knew that there were set periods for responding as laid down by the FOS she seemed very confused, said she didn't have access to that level of information, couldn't put me through to someone who could tell me, but could "promise me" that today's call would be logged on the system.

Makes you wonder what the PPI line is for, if they have no access to the information or to anyone who can provide them/customers with the information.

She did say that payment is usually made within 28 days, so not long to wait now...

It is pretty big, will check the thread
I must say mbna were amazing, I just gave them my name address dob, no forms filled in.
This would have been a card, permanently at it's limit,maybe 3-5k, at least 6 years ago. Ppi is 3.5k, the rest is interest

Fantastic lostboys !!!!

I am being extremely dumb here but I don't know where to start!!

I have had a loan with barclays and credit cards with egg, Halifax & barclaycard. But when they had been cancelled for over a year I destroyed all the paperwork.

Can I do anything? And if yes, what? Please

oooogs, the first thing to do is call those lenders. They will have records. You may have to pay to get copies of the credit agreements. These will cost you, iirc, £10 each. You can take it from there.

And have a look on www.moneysavingexpert.com ; there is loads of information on there, including all the relevant PPI phone numbers for various lenders.

Oooggs, one way to find the details could be if you had direct debits to these companies for the payments. I got some details from the direct debit references which I could see from my Internet banking. Even if the payments are now cancelled, the references could still be there.

Right you guys, you've spurred me on.
Spent an hour last night going through old paperwork and have found (was convinced I didn't have any paperwork) my PPI agreement with Barclaycard, and the same for the last two Halifax mortgages.

I also had a loan from the Halifax a few years ago but have no paperwork, if I just write to them they should be able to find details right?
(I wanted £4K for home improvements added to the mortgage but woman at HX said no, I would have to have a loan and I would have to have ppi (remember it well as she was a snotty cow aged about 12!).

lostboys - thats amazing!!!

Had a call from my branch this morning....1st installment of PPI repayment will be in my account later today , and they were wondering if there was anything they could help me with? Savings account etc etc etc...Of course they don't want to see that money leaving the account! I didn't have the heart to tell her that I am going to close the account, as I have another with BoS, but couldn't close it because of my overdraft! Once I am in the black, I'm gorn!
Why they are only paying half of it today though, I am not entirely sure

Hi, have been watching this thread with interest, I made a claim from car giant for mis sold ppi, have heard back from them today saying they will refund me 100%, but havent actually stated an amount? When I called them they forwarded me onto black horse who the finance was through, who couldnt discuss the account with me as it is in my partners name, but he did say we will get the 55 monthly ppi payments back, plus 8% interest, now I am a total thicko, but worked out the payment before interest will be £1485, anyone around to help me work out the interest?

DH finally got an offer for his mortgage PPI of just over £4k, which we are chuffed about, however, he had a joint mortgage with his first wife with the PPI was just in his name and the bank have also contacted the ex to offer her half the money! Does this sound right?

A friend of mine recently got a settlement of £36k from getting her divorce pension settlement looked at by a company she read about in the paper, as there seems to be a problem here too - pension companies using wrong calculations or something like that. Her X doesn't know as the claim was not against him but against the people who did the calculations at the time. So she's in clover lucky thing