Mrs MSE and I went out for dinner (it was date night) in a local restaurant the other day. As one of the waiters bounded up to say hello, I remembered we’d been there a year before and he’d told me how he’d tried to reclaim PPI. The bank had said no, so he’d given up.
At the time, as he’d had a strong sounding case, I’d given him my "don’t stand for it, you were rejected before the court case, things are better now, try again and take it to the ombudsman if necessary" speech. So I asked how it’d all gone.
He explained he was known for giving up things too easily, but after chatting to me, his wife had told him: "After a chance meeting like that, you must try again."
So he went online, re-read the Reclaim PPI for Free guide and following the info, he called the bank. Soon after, it told him not only was it going to pay out that one claim, but he had three other policies he didn’t know about and it’d pay them all out – a total of over £10,000.
The lesson from this? If you tried to reclaim PPI before the court case, which was in May last year, got rejected by the bank and didn’t go to the Ombudsman, try again. Things are very different now.