Co-op bank ppi

Greetings Everyone,

I have a claim ongoing since July 2008 which has been with the FOS since December 2008 due to reaching deadlock with the CO-OP BANK.

This claim relates to 9 PPI Policies sold to me since April 1999 I have calculated it using the Office of Fair Trading DualCalc and it is a tidy sum and I believe it is for this reason I am getting the run around for the past year.

Now I did get an offer from the bank for just over £5000 in October 2008 but I declined the offer as it fell well short of what I was owed and they only made the offer on 8 PPI Policies and not the 9 I have had the one they did not offer on funny enough was the first policy I was sold in April 1999.

Citing that their was no agreement so I challenged this again by sending off another SAR REQUEST. The information requested turned up in January 2009 and in that Bundle of Documents was the agreement dated April 1999.

A week later came a letter from the bank stating that they have closed the complaint and telling me that I am welcome to take my complaint to the FOS.

Little did they know I had already done that in December 2008 due to the SAR REQUEST being late and that the complaint had gone well over the 8 weeks.

The Banks stance on the first agreement now is that there is no proof that any payments where made on the First Loan.

This I am finding very hard to believe because although I no longer have any Bank Statements going back this far it is a well known fact that as my current account is also with the CO-OP BANK and the bank account and loan account numbers are the same they took the payment each month even if it put me overdrawn.

Yes they made sure the first direct debit to get paid was the loan.

So that argument is very thin and furthermore this was the first loan I had and if I did not pay this do you think they would let me have a further 8 Loans of course not they would of defaulted me after all they where quick enough to default my current loan that is disputed.

Now this is still ongoing with the FOS and Im getting right pied off not only with the bank but also with the FOS due to the amount of time this is taking and that they cannot see though the banks tactics.

Twice the FOS has written saying there offer is right and fair and twice I have told them why it is not.

In march 2009 I was getting so stressed with it I was admitted to hospital with a heart attack this was not only due to the hypertension I suffer with as a result of a stroke and major brain surgery but also the stress of having to deal with the Bank and the FOS.

The FOS know this but still cannot deal with this complaint in-line with there medical guidelines.

I used the FOS 3 minute survey and gave them a bad one lol and amazingly they phoned me the following day to try and put things right.

I had a letter from them Friday gone telling me they have got things wrong and apologized.

This was from there service review team they say that they will now treat my complaint with urgency.

Time will tell by the way my claim is for approx £25,000 quiet a difference from just over £5000.

Will keep you all updated.

Regards

Pompeyfaith