[Closed] What's the least PPI anyone has got back?

I was never stupid enough to sign up to these things in the first place.
So £0.

Only ever had one, but as it was via a Financial Adviser (offered free then charged) we aren't getting anywhere.

I was also never stupid enough to sign up for ppi. But apparently it was put on a loan I had back in 2003 without me knowing. I have only ever had that one loan from hsbc and it was for £1500 to buy a car.
I complained via a form on which a few weeks ago just on the off chance and a few days ago hsbc put nearly £2500 in my account followed by a letter of explanation as compensation or whatever they call it.

I was never stupid enough to sign up to these things in the first place.
So £0.

I also thought this, however after sticking some hopeful claims into previous CC / loan/ mortgage provides it appears Alliance and Leicester hid some add ons onto my remortgage when we built an extension. I was paid £4.5K Not bad for something I never knew I'd agreed to take out

Nil here too.
Far more sense (or too tight) than to ever sign up for such schemes.

I've had some but I knew about them. Also they were on stuff like mortgage protection. They also sent me stuff pointing out it includes it.

Not sure ppi claims cover stuff like that anyway.

I chanced it with American express, don't actually know if I had ppi with then or not. They offered me 10p. I got a cheque.

I was never stupid enough to sign up to these things in the first place.
So £0.

I am the same as you but given how much people are getting back for how little they put in it seems like one of the best investments ever .
For that reason your post should read " I was stupid enough to never sign up for these things in the first place "

I did the Which form. I didn't think I'd get anything but a store card from my student days resulted in me getting £155 from Santander. I spent less than that with the card.

I got £160, which surprised me- I took finance on a bass guitar and amp when I left uni, and it turned out it was one of the shady ones that hid PPI inside the standard cost

I was also not stupid enough to sign for PPI and as someone who worked in finance and sold PPI type products (although not exactly I’d be mad to have) about £900 years ago.

Two guys in work have trousered about £35k between them from some shady sub-prime mortgages from a while back.

I was never stupid enough to sign up to these things in the first place.
So £0

I explicitly said no every time it was mentioned and they signed me up for it anyway! Definitely worth looking into it before the deadline.

I never signed to any either which is why from one claim alone I was awarded £11k

£0 for me 3 times. Can't find paperwork so can't double check to challenge.

so many cases where it's been added or hidden without you knowing, the smug folks saying they're not stupid enough to sign up for it kind of miss the point.

I got a small win on an insurance loan; if you pay monthly for insurance as I did on a car insurance some years ago, often the insurance co sells your debt to a third party finance house.

You get told that the car ins is x if you pay it in one sum, or y * 12 payments if you pay monthly, but y * 12 is more than x, to cover admin and IPT and ...etc. And because it's only a few quid more and you don't have £900 up front you accept it without reading exactly what it is

Yep, there was PPI on that.

I never knowingly signed up. Lloyd's told me if a had a credit card I'd have a better chance of being accepted for s loan. card had ppi on. I spotted it in small print and cancelled it quickly. Got £11. should have just left ig and would have had a nice windfall.

I think the way the regulator is going about this is awful. the firms know who they have fiddled. they should be forced to contact the customer and pay rather than rely on people remembering.

I haven't even thought about looking at car insurance. I haven't a clue who I was with 10 years ago and all paperwork has long been shredded

they should be forced to contact the customer and pay rather than rely on people remembering

Too true.
I haven't put in a claim, because the nearest thing I had (knowingly) was a mortgage protection plan. When I was made redundant, this paid my mortgage every month - was actually more than my mortgage as it was taken out when I had a nice big house. So I think I claimed about £10K.
So how can I have been "mis-sold"? and how was this a "stupid" policy to take out?

Do wonder if there's something else I don't know about, but if I don't know about it, how can I claim back on it?

(also, I expect this thread will get spammed!)

Northern Rock (as was) have just sent me a big cheque out of the blue for some cock-up they made. Haven't had a mortgage with them for nearly a decade.

So what shall I spend my fifteen quid on?

I have never had a loan or a mortgage so I should be in line for a massive payment

I'm firmly in the camp of thinking that I've never knowingly signed up for PPI. Always sounded like a con when I was asked if I wanted it. But it sounds like there's still a possibility of some old loans that may have had it hidden within payments.

So, is there a service that doesn't take all the possible payout and do the digging for me? or is it really just best to trawl through my credit history and individually file claims?

So here I am not knowing what to do. One night after a few drinks I started an application after following a Facebook link. I realised I was actually being a bit stupid so didn't complete and submit it, however I think that some information has been scraped as I am now being bombarded by AllayClaims saying I have one confirmed claim from Santander (who I have banked with, although I can't remember what products I had but the dates they mention do add up). They have also sent another message saying their investigations into Lloyds have come up with no valid claims (which would be correct as I have never dealt with Lloyds).

So now I am in a quandary - should I take the bait and check it out? They seem to get pretty okay Feefoo feedback.

I'm now in a similar quandary - never knowingly signed up but it's possible I had something hidden away in my long and complicated financial history over the last 30 years.

Do I take the chance on opening myself up to Spam Central by contacting one of the PPI chasers (and which one), or just not miss what I didn't know I had?

I got nothing form the PPI chasers, partly because I couldn't remember most of the cards and loans I've had over the years.

Who's best to use top check this. I don't think I've ever had any, but there may be the off chance to check.

Pretty sure I had PPI on a car loan, but have no paperwork on it, so no idea who the lender was and as it was over 20 years ago, no hope of finding out who it was....

You don't need a company. All they'll do is ask who you banked with, send out boilerplate letters and take a third of any payout you receive. They add nothing to the process.

Go here:
https://www.which.co.uk/consumer-rights/advice/how-to-reclaim-mis-sold-ppi

Select your lender, hit Submit, rinse and repeat for everyone else you've ever dealt with. It takes seconds. You don't need to provide any information, proof, credit history, payment lists or anything like that. PPI was so widely mis-sold that the assumption is that if you had it, you are to be refunded.

I made two claims, one I didn't think I had PPI on and one I knew I had. I got a letter back from the first going "nope, sorry" as I expected, the other rang me up for a chat. The guy was lovely, really helpful, and sent me a cheque for North of seven grand. You might think that paying a third party company two grand to make a 5 minute phone call is value for money, I however do not.

Oh, and for those going "I was never stupid enough blah blah," the whole point of this is that in many cases it was silently added on to cards and loans without properly notifying the customer.

Thanks Cougar.. gonna put one in anyway. I'll feel a right tit if they phone me and say "Er, but you were paid out on your ppi" 😆

Thanks Cougar, just put one in against NatWest who refused me an overdraft once but were willing to give me a credit card. I remember a friend selling PPI through a Call centre job when he lived in York. It does appear to be a winner for people. Maybe I should have got a loan when I bought my first house instead of sitting on buckets for 12 months.

£80 was the lowest I got back
£4,500 was the highest

RBS chased me to complete the forms they had sent me, got 2.5k as an unexpected gift.

I was stupid enough to take few out.

Cut n pasted the contents of the RBS application and sent them off to places that told me I had never and loans from them 🙂

Also had a rejection from Barclays about an Egg Card I had ages ago. Cut n pasted again into the forms linked in the rejection email to the Financial Ombudsman. £13.4K six months later and about a month after that another cheque. Cant remember amount, less the 2k.

But £15k just as we had our son was nice.

Got a cheque for 6 quid from NRAM last week - what do I win?

Other complication I had was most stuff was done joint with my ex - and I don't know if she's claimed any 😆

Also had a rejection from Barclays about an Egg Card I had ages ago. Cut n pasted again into the forms linked in the rejection email to the Financial Ombudsman. £13.4K six months later and about a month after that another cheque. Cant remember amount, less the 2k.

I had an egg card, they said I had no ppi. What was eggs response to you? Did they say you had it but it wasn't missold or you didn't have it at all?

"Also had a rejection from Barclays about an Egg Card I had ages ago."

Barclays are chancing it frankly, I have no idea if my egg card had PPI or not but the response I got was "we've searched and we can't find any record of you ever having an account with Barclays". I still have a credit card with barclays today ffs!

I got £500 back.

I wonder how many payouts are just speculative as in they can't find any records, but just pay assuming its easier just to cough up.

I had an egg card, they said I had no ppi. What was eggs response to you? Did they say you had it but it wasn’t missold or you didn’t have it at all?

Egg were one of the worst offenders, subsequently the best at rejecting claims 🤪

Challenge it with the FCA, 9/10 the FCA will rule against Egg and you’ll get something...

Egg is managed by Barclays, don’t lay down.

DT78

“In our opinion it wasn’t mid sold” or similar words.

If the appeal links to the FO were not included I would have just accepted it.

I have 9 claims running, i basically just sent of the paperwork to every bank i've ever dealt with.
LLoyds came back with £800 from 2 credit cards I had between 1988 and 1994.

How do you find records of accounts far enough back?

The bank found them, I just took a punt that maybe there was PPI on an account or two somewhere.

between 1988 and 1994.

I didn't think they were obliged to pay from that far back… I might have a punt on my credit card from uni days (plenty of action there)!

I had various loans from my bank plus a mortgage etc, going back year, I just accepted the advice of whoever I was dealing with, I’m not an expert in finance, I expect those I’m dealing with to be doing their job properly. Plus, at the time, PPI wasn’t something that one heard about as not ideal.
Anyway, I approached my account manager at Lloyds, she filled in the paperwork, I got back £11,000.
I thought that was a good deal for zero effort on my part.