RBS - Delay in decision

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Comments

  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
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    Moneyineptitude wrote: »
    You need to realise that proving your card usage could result in you actually getting less than they are offering. The bank have already told you that the "Comparative Redress" is very likely in your favour..

    I doubt a balance transfer will have attracted commission. Of course, anything you suggest will improve your redress must be backed up with proof.


    Okay, can I get a full breakdown from the bank so I can see what info they have / have used?


    "I doubt a balance transfer will have attracted commission." Is the commission in question not part of the overall ppi premium applied?
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    natsplatnat wrote: »
    Okay, can I get a full breakdown from the bank so I can see what info they have / have used?
    You can certainly request such a breakdown. I don't see how you could challenge it, though.
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
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    Moneyineptitude wrote: »
    I doubt a balance transfer will have attracted commission.



    Was ppi not applied at a fixed rate for all outstanding balances?
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • [Deleted User]
    [Deleted User] Posts: 26,612 Forumite
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    natsplatnat wrote: »
    Was ppi not applied at a fixed rate for all outstanding balances?
    Yes, but your PPI complaint failed.
  • natsplatnat
    natsplatnat Posts: 3,033 Forumite
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    Moneyineptitude wrote: »
    Yes, but your PPI complaint failed.


    I understand that - but if the bank applied ppi to all outstanding balances, and the ppi was at a fixed rate (which included the commission - I'm assuming the commission was built into the premium) how could the balance transfer have not attracted commission?
    start = Wed 19th Nov 2008 £21,225
    end = Mon 28th Sept 2015 DEBT FREE!
    I love a good plan - it may not work.... but I love a good plan!
  • sun73
    sun73 Posts: 498 Forumite
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    Good question. If you could find proof that the balance transfer actually took place, then it seems pretty obvious that a higher balance on the RBS credit card would have attracted more commission from the opening of the account.
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