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claiming PPI without getting shafted
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By (user no longer on site)
over a year ago
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Yes I have and it's very easy.
Firstly find the bank that owes you.
Go to their website. They will have a standard form to fill out.
Fill out form.
Sit and wait
Check out money saving expert for tips but generally you're just going to have to tell truth on the forms |
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"Yes I have and it's very easy.
Firstly find the bank that owes you.
Go to their website. They will have a standard form to fill out.
Fill out form.
Sit and wait
Check out money saving expert for tips but generally you're just going to have to tell truth on the forms "
Is that all there is to it seriosly  |
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By (user no longer on site)
over a year ago
|
"Yes I have and it's very easy.
Firstly find the bank that owes you.
Go to their website. They will have a standard form to fill out.
Fill out form.
Sit and wait
Check out money saving expert for tips but generally you're just going to have to tell truth on the forms
Is that all there is to it seriosly "
Yep. The forms take 10-20 mins tops to fill out, they need account details if you have them but previous address will do.
Honestly, think the last one I got was £3800 for 15 mins work 
That's why you need not use the brokers. They are litterally getting money for nothing. And! If you still have a ballence with your creditor they will likely reduce your ballence, not give you a cheque and you'll still owe the broker.
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If there isn't a form on the company website you'll also find email / letter templates on the moneysavingexpert site.
I did all mine myself. Some took a few emails / letters back and forth, taking a while to get sorted.
Others were done and dusted with one email.
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By (user no longer on site)
over a year ago
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Exactly as said above... fill out form send off...I wasnt sure if I was due anything but applied, a credit card (rhymes with sparklyshard ) rejected my claim, i thought oh well nowt lost. A year later I got a letter from them saying they had reviewed all claims and found they had made a mistake and here is cheque for £5k... which was nice! |
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"Exactly as said above... fill out form send off...I wasnt sure if I was due anything but applied, a credit card (rhymes with sparklyshard ) rejected my claim, i thought oh well nowt lost. A year later I got a letter from them saying they had reviewed all claims and found they had made a mistake and here is cheque for £5k... which was nice! "
How nice must that have been. Seriously thank you all |
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My dad claimed back his PPI via one of those companies who do it for you. They took about half of the money and it took them a few months.
My mum did it herself. She asked in the branch when she went into the bank for something else and they gave her the correct form. She filled in the form, sent it into them and they sent her a cheque within a few weeks. She got the whole lot and didn't have to pay someone for doing something she was capable of doing herself.
These companies who do it for you are rip off merchants, don't give them your money. |
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"My dad claimed back his PPI via one of those companies who do it for you. They took about half of the money and it took them a few months.
My mum did it herself. She asked in the branch when she went into the bank for something else and they gave her the correct form. She filled in the form, sent it into them and they sent her a cheque within a few weeks. She got the whole lot and didn't have to pay someone for doing something she was capable of doing herself.
These companies who do it for you are rip off merchants, don't give them your money."
If it was 10 or even 20% to save my time I'd happily let them do it after all we all need to make a butty but 40% seriosly I'd rather watch it burn |
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By *ewrocksWoman
over a year ago
button moon |
My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
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By *elloWoman
over a year ago
alpha centauri |
I wrote two letters to my bank 1 saying i had several loans in the past no idea how much, how long for or any reference numbers but said i wanted the ppi back, about 2 weeks later i got a a very nice suprise paid into my account.
The second letter to my bank said that 20ish years before for a couple of years i had been signed up for an account that charged me money for perks i never used and they paid me back with interest.
Happy days and just cost the price of 2 stamps and 10 minutes of my time. |
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By (user no longer on site)
over a year ago
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"Am I the only one who's never had ppi?
They phone me ALL the time asking me the usual questions, but apparently I'll not have had it.
Wouldn't mind some extra cash"
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No I've never had it either  |
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"Same here got £18000 from Barclays for several loans and credit cards I took out! .
Fuck me.... How much did you owe "
They repay the ppi payments you made, plus interest, plus compensation minus tax. You don't need to have owed a huge amount. |
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By (user no longer on site)
over a year ago
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"Same here got £18000 from Barclays for several loans and credit cards I took out! .
Fuck me.... How much did you owe
They repay the ppi payments you made, plus interest, plus compensation minus tax. You don't need to have owed a huge amount."
.
18 k is alot of fucking payments |
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By (user no longer on site)
over a year ago
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"Am I the only one who's never had ppi?
They phone me ALL the time asking me the usual questions, but apparently I'll not have had it.
Wouldn't mind some extra cash"
You never taken a loan or credit card out? |
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By (user no longer on site)
over a year ago
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"Same here got £18000 from Barclays for several loans and credit cards I took out! .
Fuck me.... How much did you owe "
I had a few small loans of £4000 and 2 credit cards. My dad got loads back too from Barclays and HSBC.MBNA are bastards to get PPI off. Still trying now with them.
It's all worth a try worse thing they can say is NO! |
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By (user no longer on site)
over a year ago
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"Same here got £18000 from Barclays for several loans and credit cards I took out! .
Fuck me.... How much did you owe
I had a few small loans of £4000 and 2 credit cards. My dad got loads back too from Barclays and HSBC.MBNA are bastards to get PPI off. Still trying now with them.
It's all worth a try worse thing they can say is NO! "
.
Boyackasha... I'll give it a whirl... Mainly coz I hate banks  |
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
"
Go sort mine and I'll buy you anther car |
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By (user no longer on site)
over a year ago
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car "
You've nothing to lose OP |
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car
You've nothing to lose OP "
I no I'm just as busy as a busy thing but thanks to you lot I'll make the time |
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By (user no longer on site)
over a year ago
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car
You've nothing to lose OP
I no I'm just as busy as a busy thing but thanks to you lot I'll make the time "
Let us all know how you got on! |
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car
You've nothing to lose OP
I no I'm just as busy as a busy thing but thanks to you lot I'll make the time
Let us all know how you got on!"
You'll see the thread in meets for the party. Hope you make it |
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By (user no longer on site)
over a year ago
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Experienced claims handler better off going through the bank its self if need any help free of charge dont hesitate to message it ends in august next year so if ur owed or think owed claim as much as u can dont take no for a answer because the fos (financial ombudsman service) and fca (financial conduct authority) can give free advice as well. |
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"Experienced claims handler better off going through the bank its self if need any help free of charge dont hesitate to message it ends in august next year so if ur owed or think owed claim as much as u can dont take no for a answer because the fos (financial ombudsman service) and fca (financial conduct authority) can give free advice as well."
You won't some work |
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By *lascumMan
over a year ago
Glasgow |
DIY ... it’s as the advert says “simples” I took a day and did them all and so far my total is in excess of 37k ... I suspect I have two or three more and need to get on it ... seeing this reminded me to do it.
Give the brokers feck all ?? |
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By (user no longer on site)
over a year ago
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" i need to try this! But can't remember account numbers
Don't think you need them. Guess I'll be finding out x"
Good luck! And fingers crossed you get something x |
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" i need to try this! But can't remember account numbers
Don't think you need them. Guess I'll be finding out x
Good luck! And fingers crossed you get something x"
Think it should be quite a good something  |
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" i need to try this! But can't remember account numbers
Don't think you need them. Guess I'll be finding out x
Good luck! And fingers crossed you get something x
Think it should be quite a good something "
Stupid fingers that should have been a |
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By *ewrocksWoman
over a year ago
button moon |
"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car "
Deal!
|
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"Yes I have and it's very easy.
Firstly find the bank that owes you.
Go to their website. They will have a standard form to fill out.
Fill out form.
Sit and wait
Check out money saving expert for tips but generally you're just going to have to tell truth on the forms "
This!
I got back over £10k. |
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car
Deal!
"
Get on it then. The personal assistant uniforms in that tiny bag there |
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By *ewrocksWoman
over a year ago
button moon |
"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car
Deal!
Get on it then. The personal assistant uniforms in that tiny bag there "
Good job my house is warm |
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"Am I the only one who's never had ppi?
They phone me ALL the time asking me the usual questions, but apparently I'll not have had it.
Wouldn't mind some extra cash
You never taken a loan or credit card out? "
No, if I couldn't buy it, I didn't get it |
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By (user no longer on site)
over a year ago
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I claimed mine before it was so easy and even then it wasnt so bad.
My bank rejected my claim so I took it to the financial ombudsman and got it that way. Took more effort but was still just a case of filling in some forms. |
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By (user no longer on site)
over a year ago
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Did 2 claims for ppi, one from a credit card, just phoned them and said I had been missold ppi and would like to claim it back, got a cheque from them for just over £8000.
The other was from the bank for loans I had, they contacted me and said I could claim back ppi if I wanted to. Got a cheque off them for just under £12000. Went shoe shopping lol |
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I went into my bank for an account review and they gave me a number to ring to claim back off of them!! So I did and they turned the claim down which I thought oh well never mind as I'd exaggerated about how I didn't understand what was happening. About 2 month later I got a call from 'my bank saying they were re-evaluating refused claims and to resubmit. I was sceptical and said send me the details which they did on bank headed paper and so i re applied and got back 2500 quid |
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By (user no longer on site)
over a year ago
|
"Yes I have and it's very easy.
Firstly find the bank that owes you.
Go to their website. They will have a standard form to fill out.
Fill out form.
Sit and wait
Check out money saving expert for tips but generally you're just going to have to tell truth on the forms
Is that all there is to it seriosly "
I filled in one form for bank.loan and one for credit card. From bank website. Got both, plus, they miscalculated some interested and a year later I got a bonus bit.
The funds are taxed mind. |
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By (user no longer on site)
over a year ago
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"So if had say an egg card and a loan from alliance and Leicester what's happens if these don't exist any more?"
Citibank website for egg.
Google the other one
|
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By *oodmessMan
over a year ago
yumsville |
" i need to try this! But can't remember account numbers "
You don't need your account numbers as they are likely historic. All you need are your addresses, names (they may have changed through marriage) and DOB. Simply write or call your bank or banks that you have had lending with and ask them if there has been any PPI attached to any loans, overdrafts, credit cards or mortgages as it could have been applied to all of the above. If you don't ask, the bank or lender does not 'really' have to disclose the information, just release the information you have asked for, so it is best to state ANY lending you may have had. If PPI is found, get the dates, consider your argument and call them back when you advise them of why you have been missold. |
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I cheated did the lame boys or similar company
Gave them the bank info they then sent about 15 forms for different loans and gave reference nos (no fee)
Used those sent a letter and email and got cheque back after about a month
Even after I claimed it all the laims boys kept phoning and emailing to see if I wanted to claim (and pay their fees) |
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By (user no longer on site)
over a year ago
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Many years ago (I’m talking ten years or so when ppi thing first came about) I claimed back about £300 from my bank, I just wrote them them using a template I found on the interwebs. I also did it for a car I was paying monthly from one of those car companies if you couldn’t get credit elsewhere kind of places, I think they wrote that off though through how much I had to back back.
Geeky x |
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"My mate did it himself, just filled the form in for each bank he'd ever had a credit card/mortgage/loan with, got 2 decent amounts back, then almost a yr later one bank did a review and got another 8k out of the blue.
Go sort mine and I'll buy you anther car
You've nothing to lose OP
I no I'm just as busy as a busy thing but thanks to you lot I'll make the time "
Don’ t log in one day to Fab forums and you will have time to fill your PPI forms . There is a “finding time “solution for you |
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By (user no longer on site)
over a year ago
|
"Am I the only one who's never had ppi?
They phone me ALL the time asking me the usual questions, but apparently I'll not have had it.
Wouldn't mind some extra cash"
No I've never had any loans and only recently a credit card. I want some free money too |
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By (user no longer on site)
over a year ago
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"So a couple of years ago I got some dodgie company to check if I was owed any ppi and apparently they found out that I am owed a concideral amount (there words) but for them to tell me how much and off who they wanted if I remember correctly 35%/40% of it so needless to say they was pointed in the direction of where the sun don't shine. As I don't really need it I've just left it knowing it's money in the bank but now I think it's time to get it sorted out but it will be a frosty day in hell before I'll sign almost half of it away. So my question is has any of you lot claimed it back yourself. If so where did you start and how do I go about it. If any of you can point me in the right direction there's a pint in it for you  "
Its bullshit, go on money saving expert site and do your own claim. I did yes car credit but lost, hey I tried! |
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By (user no longer on site)
over a year ago
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" i need to try this! But can't remember account numbers
You don't need your account numbers as they are likely historic. All you need are your addresses, names (they may have changed through marriage) and DOB. Simply write or call your bank or banks that you have had lending with and ask them if there has been any PPI attached to any loans, overdrafts, credit cards or mortgages as it could have been applied to all of the above. If you don't ask, the bank or lender does not 'really' have to disclose the information, just release the information you have asked for, so it is best to state ANY lending you may have had. If PPI is found, get the dates, consider your argument and call them back when you advise them of why you have been missold. "
Thank you! I'll get on it. |
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By *ENGUYMan
over a year ago
Hull |
I got around £5k back a few years ago from PPI on credit cards & loans.
But in past 6 months, I have learned you can now claim PPI on Mortgages, plus even claim back the monthly fees on your bank accounts, if you had the type of account which gave you so many perks or discounts (a lot of which you never used). |
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By *oodmessMan
over a year ago
yumsville |
" i need to try this! But can't remember account numbers
You don't need your account numbers as they are likely historic. All you need are your addresses, names (they may have changed through marriage) and DOB. Simply write or call your bank or banks that you have had lending with and ask them if there has been any PPI attached to any loans, overdrafts, credit cards or mortgages as it could have been applied to all of the above. If you don't ask, the bank or lender does not 'really' have to disclose the information, just release the information you have asked for, so it is best to state ANY lending you may have had. If PPI is found, get the dates, consider your argument and call them back when you advise them of why you have been missold.
Thank you! I'll get on it."
Give me a shout if they find it and are stuck on the misselling bit. |
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By (user no longer on site)
over a year ago
|
"So if had say an egg card and a loan from alliance and Leicester what's happens if these don't exist any more?
Citibank website for egg.
Google the other one
"
Thankyou |
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"Same here got £18000 from Barclays for several loans and credit cards I took out! .
Fuck me.... How much did you owe
I had a few small loans of £4000 and 2 credit cards. My dad got loads back too from Barclays and HSBC.MBNA are bastards to get PPI off. Still trying now with them.
It's all worth a try worse thing they can say is NO! "
If MBNA are not responding, make a complaint - all banks have to follow the regulatory guidelines on PPI & recording complaints. Push it down that route (stay polite, but firm) and I’ll be surprised if they don’t resolve it quickly (with some additional money to settle the complaint!) |
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By (user no longer on site)
over a year ago
|
" i need to try this! But can't remember account numbers
You don't need your account numbers as they are likely historic. All you need are your addresses, names (they may have changed through marriage) and DOB. Simply write or call your bank or banks that you have had lending with and ask them if there has been any PPI attached to any loans, overdrafts, credit cards or mortgages as it could have been applied to all of the above. If you don't ask, the bank or lender does not 'really' have to disclose the information, just release the information you have asked for, so it is best to state ANY lending you may have had. If PPI is found, get the dates, consider your argument and call them back when you advise them of why you have been missold.
Thank you! I'll get on it."
Guess they only joined Fab for PPI advice then went UNLOS! |
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"So if had say an egg card and a loan from alliance and Leicester what's happens if these don't exist any more?"
Whoever bought out alliance & Leicester will still honour it. I think Egg had a parent company, same applies there. |
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By *oodmessMan
over a year ago
yumsville |
" i need to try this! But can't remember account numbers
You don't need your account numbers as they are likely historic. All you need are your addresses, names (they may have changed through marriage) and DOB. Simply write or call your bank or banks that you have had lending with and ask them if there has been any PPI attached to any loans, overdrafts, credit cards or mortgages as it could have been applied to all of the above. If you don't ask, the bank or lender does not 'really' have to disclose the information, just release the information you have asked for, so it is best to state ANY lending you may have had. If PPI is found, get the dates, consider your argument and call them back when you advise them of why you have been missold.
Thank you! I'll get on it.
Guess they only joined Fab for PPI advice then went UNLOS!"
At least they know how to find out - the difficulty is the misselling bit. Some banks have an auto remuneration if under set limits but if it's in the £0000's you are going to have to answer sometimes some quite probing questions. |
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By (user no longer on site)
over a year ago
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After reading this thread I thought about it and realised that I'd had 4 loans from the same bank and two mortgages from another so went to their website, 5 minutes on each to fill out the form online, now keeping my fingers crossed  |
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