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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:
mumatron · 24/01/2012 08:09

I've just had a payment of £1400+ from Welcome Finance.

the whole process has taken about 6 weeks but would have been quicker if they hadn't needed some proof of my ID. My signature on the forms didnt match what was on their records.

BrightnessFalls · 24/01/2012 12:28

How much was your loan for? Congratulations Smile

Ive sent off the form they send me, Im hoping it will be abit quicker as they have already put my loan details onto it.

chipmunksex · 24/01/2012 12:29

Oh congratulations mumatron Smile was it as much as you hoped?

Still waiting with baited breath here.

AngryFeet · 24/01/2012 12:33

Congrats mumatron. I am still waiting but I know tomorrow is the cut off date for them to have dealt with the query so hopefully I will get a letter with a decision soon. Does anyone know what you do next if they say no?

Flisspaps · 24/01/2012 12:59

mumatron Welcome have returned my copy of my marriage certificate within a week, so fingers crossed they'll be sending me a nice cheque next. It won't be lots as the loan was only about £700 in total, but even a few pounds in my account is better than a few pounds in theirs.

I emailed them with my personal details but no account details (other than where and roughly when I took out my loan) and asked them to send me a form to claim with and they told me to send in proof of my new address and married name, so I did. No form sent back with the certificate so fingers crossed they have enough information to process the claim without their official claim form...

mumatron · 24/01/2012 16:03

Well, I'm not sure how they came up with that fugure as my loan was only £2300. It's a fair bit more than I was expecting.

I haven't had anything in writing from them yet, just a payment direct into my account.

I still had an outstanding balance with welcome so they cleared that and sent the rest to me.

I'm just trying to stop Dp being all sensible and using it to clear off debt and buying a new tv I think it should be spent on me treating ourselves Grin

AnyFucker · 24/01/2012 16:06

Angry if they refuse you appeal to the Financial Ombudsman (they have a website)

BrightnessFalls · 24/01/2012 23:13

I dont know anyone in rl that has gone for a refund. Im telling everyone after reading this! Smile

AnyFucker · 24/01/2012 23:20

I don't know anyone else in RL either

it's really odd

have told loads of people and some of them look at me like I'm trying to cod them or something Grin

(we got £1700)

BrightnessFalls · 24/01/2012 23:22

I know, they look at me as if I must have had loads of dodgy loans in the past!

AnyFucker · 24/01/2012 23:24

ours wasn't even for a loan

it was for one credit card, in joint names, with one card each

that is it Grin

BrightnessFalls · 24/01/2012 23:28

I had a loan for £10,000 with TSB and the guy did say I needed the insurance. I wouldnt dare apply for that one though. Id be scared that they started getting funny with my overdrafts. They just seem too big to mess with.

AnyFucker · 24/01/2012 23:30

hey, our claim was with TSB !

they paid up, no question

Original poster
gregssausageroll · 25/01/2012 08:16

mumatron you payment will be PPI but 2 lots of insurance. Well done.

Brightness, make a claim. The only thing they can do is use any refund due to clear your overdraft before giving you any balance.

OP posts:
mumatron · 25/01/2012 08:51

af I read that as we got £17000, I nearly fell off my chair!

I'm hoping they will have sent me a letter saying exactly what they have paid.

I've got everyone doing it, my mum has just put in 2 claims and my friend has put in 4, all with tsb.

AnnieBody · 25/01/2012 08:59

Thank you for this thread, I finally got my finger out and wrote to all of mine and DP's. Forgot one thought and will be trying Santander for my Dorothy Perkins card from a few years ago.

chipmunksex · 25/01/2012 12:54

dh has called northern rock today and was told they had finally made a descision, no info on what if anything we'll get.

At the moment dh is planning a holiday with it and a new dishwasher, he'll be gutted when we only £50. Hmm He's so excited Grin

BrightnessFalls · 25/01/2012 13:05

Let us know!

AnyFucker · 25/01/2012 16:26

I wish !

17 grand !

nah, but 17 hundred will do nicely, ta

summer holiday here we come...

lisad123 · 25/01/2012 18:00

Had a letter from black horse, which are run by llyods tsb, and said they are looking into it and be in touch within 5 weeks. I'm hoping they pay out we had 4 loans with them over time.

AnyFucker · 25/01/2012 18:12

exciting !

BrightnessFalls · 25/01/2012 18:13

how can you find out details of store cards that youve had in the past? I know Ive had Dorothy Perkins and Debhenams, along time ago. How would i check?

AnyFucker · 25/01/2012 18:21

dunno, sorry

AngryFeet · 26/01/2012 15:38

YES! YES! YES!

Letter came through today from Egg. My claim is being upheld. Original loan taken in 2004 was for £8000 and the PPI charged was £1201.20. They have given me the full PPI plus interest on the premium of £222.26 and 8% interest on the whole sum so a total of £2087.72 back!!!

So happy :) Definitely the most worthwhile letter ever written :)

AnnieBody · 26/01/2012 15:49

Nice one :)

How long did it all take?

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