9 Credit cards £30,000 - Reclaim charges, PPI.

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Ive now had 7 replies, Lloyds are the only ones being difficult !!!
HSBC (via MCS) accepted my Hardship status and token payment offer.
Nat west being very friendly .....i doubt it will last !

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Both Crap One and Egg have now made partial offers on charge reclaims,i am not accepting partial repayments !!! i will add new threads for both Egg and Crap one

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Just an update on my progress to date.

HSBC - charges =Full refund
- PPI they have offered me 6 years refund with interest......ive sent copies of older statements to get 10 year+ refund .
Nat West -charges =Full refund
Capital One -charges =Full refund
Barclaycard -charges =Full refund
-PPI is proving more difficult so is now with FOS.
Amex - charges =Full refund
MBNA - is still ongoing
Virgin - is still ongoing
Egg - Are playing hard boiled, so this is about to go to FOS

HSBC PPI is the big one for me (£4500) so im just keeping my fingers crossed they do as they agreed over the phone.

Once again thanks for everyones help on here.

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Further update.

Nat West - PPI = Full refund plus interest £2700.

[WendyB]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

On a roll or what, What x

[The Debt Star]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Further update.

Nat West - PPI = Full refund plus interest £2700.

sweet

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Wendy, Yes a bit of a roll this week, payback for all those phone calls and sleepless nights i used to have !!! maybe i should do the lottery this week??

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

More success, HSBC have confirmed they are gonna pay out £4500 on my PPI reclaim.

[MEGLOS]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

you're brining down that overall £30K balance nicely! What's the balance now?

[enaid]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Well done so far, you really are getting some fab results.
Enaid x

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Thanks Enaid, Yes it has been a lot of work and over 40 letters to get to this point, but the results are a lot better than i expected so im now down to about £18, 000 of debt. I am now able to make some Full and final offers on the smaller debts .....my target is to get to £10,000 by the end of the year!! and if im really really lucky debt free before the Olympics start next year.

[The Debt Star]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Reducing your debts by 60% in 3 months is massive progress. Well done Whattie!

Mine are now down to approx £34K from their peak of £70K 5 years ago and I think I have just about wrung dry any undoscovered claims on PPI and charges now. My best bet is to follow your lead and make F&Fs on the smaller debts as and when I can.

Have to say that I've written more than just 40 letters! They must be good letters you've been sending Whattie - post 'em up as examples!

DS

[whatnest]

Re: 9 Credit cards £30,000 - Reclaim charges, PPI.

Thank you DS for your reply, As regards to the letters i just used the standard format ones from here, although i did tweak them to my own situation.
I originally started out writing my own letters but they kind of missed some of the key points and tended to be a bit on the long side. Once i started using the standard formats from here the replies i got i could then use for the next stage.
Are all your debts on Credit cards ? Are you paying any interest?