RBS - Delay in decision

Thank you for your responses.
Can I go to the Ombudsman if I don't have confirmation that my claim has been unsuccessful? Is a delay in response a good enough reason?
Could it just be (as zx81 suggests) that they are overloaded with the additional Plevin cases? They weren't specific in Plevin relating to my claim.
I'll give it a few more weeks and see what happens.
Thank you for your comments! Nats

ppi complaint not upheld.


Refund inline with the Plevin ruling offered.


They have sent me a copy of the credit agreement (RBS Advanta), an Egg Statement from 2001 and one from 2009... but on their offer sheet they state they "only have details of your card account records from 01/02/2003. Where we do not have full details of the premium, interest rates or any interest amounts charges we have used assumptions based on the nearest available date to estimate what your were charged. We believe these assumptions to be in your favour. If you have any evidence available which provides more accurate information and you would like the offer to be re-calculated, please provide this information and we will make a revised offer, as appropriate."


So I have 3 questions...


a) Does the fact they sent a copy statement from 2001 prove that they do have account details prior to 2003?
b) Would it be worth the time seeing if I can find Statements prior to 2003 to send them - would the missing info be on there?
c) Credit agreement for RBS Advanta, both Statements supplied from Mint. Did Mint take over the RBS Advanta cards between 1999 and 2001?


Thank you in advance for your replies.

Moneyineptitude wrote: »

As they've said they are applying a calculation based on assumptions likely to be in your favour, the only reason to do as you suggest is if you can find statements which show you paid considerably more than they are offering. Remember, your complaint has failed, so you are only receiving a refund of excessive commission (and even that is guesswork by the Bank).

It's going to be a big stab in the dark isn't it as we don't know how excessive their commission was?! Would proving the outstanding balance in the early days be of any help... I'm thinking 1999-2001 when there was a transferred balance from another card?


PPI complaint rejected as they have a copy of the application form from 1999 which my OH completed from a mail-shot and he ticked the box for cover. They state "it was provided on a 'non-advised' basis, so there was no assessment of circumstances, employment benefits or other means to cover repayment......the onus was on you to assess the policy's suitability to your circumstances at the time of the sale".
Obviously we cannot prove we received the supporting policy paperwork for OH to check, but he did continue to pay the premium for quite some time.
*insert rolling eyes here*


There was a telephone discussion with OH about his complaint - now he isn't the best person on the phone and get flummoxed easily. Reading through the letter from the bank it would appear that OH said he didn't have any alternative cover other than 3 months full sick pay from work. I'm not sure this is correct, if I can prove something different could it change their decision (adiditonal info etc).


The payment protection section on the application form says "...We strongly recommend you take out the cover. For cover just tick this box." No mention of this costing any money, or to read through any included paperwork to check your suitability. I am sure nowadays there would be more disclaimers over a tick selection box like this. I know, I know!! he ticked it and had plenty of opportunity to cancel it
*insert rolling eyes here*

Moneyineptitude wrote: »

The Bank aren't guessing their commission rates, only how much you paid. They are doing this based on the existing records of your card usage. How do you propose to prove the "outstanding balance" on a month-by-month basis without comprehensive statements from your own archive ?

There is a chance that we have Statements from the earlier days, maybe not all of them but some! I will have a dig! Although not a financial genius my OH's hoarding tendancies do sometimes come in useful!
The application form shows a request for a balance transfer from another card. Do you think they know whether that happened (again, without a bit of digging I don't know) or will I have to prove it? It was a few thousand pounds so could give a significantly higher balance!