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  • FIRST POST
    • Mackle
    • By Mackle 12th Jan 18, 5:37 PM
    • 72Posts
    • 5Thanks
    Mackle
    Multiple PPI with NatWest
    • #1
    • 12th Jan 18, 5:37 PM
    Multiple PPI with NatWest 12th Jan 18 at 5:37 PM
    I've received a statement showing that I have had 8 separate PPI policies from NatWest over the last 20 years, split between two sort codes.

    There are individual loans that I remember taking out in branch and I know how PPI was pushed during these, but there are other ones here that I cannot remember much about so don't know if they were sold over the phone or in branch.

    I would like to submit a claim for the ones I know about, but can I do them in one claim or do I have to open a separate claim per PPI policy?

    Using Resolver, it looks like it's geared around one claim per separate policy?
Page 1
    • zx81
    • By zx81 12th Jan 18, 5:37 PM
    • 14,813 Posts
    • 15,651 Thanks
    zx81
    • #2
    • 12th Jan 18, 5:37 PM
    • #2
    • 12th Jan 18, 5:37 PM
    You would be better speaking directly to NatWest, rather than through Resolver.
    • dunstonh
    • By dunstonh 12th Jan 18, 6:05 PM
    • 90,300 Posts
    • 57,080 Thanks
    dunstonh
    • #3
    • 12th Jan 18, 6:05 PM
    • #3
    • 12th Jan 18, 6:05 PM
    I agree with zx81. Do this via Natwest directly. So much easier.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Mackle
    • By Mackle 12th Jan 18, 8:48 PM
    • 72 Posts
    • 5 Thanks
    Mackle
    • #4
    • 12th Jan 18, 8:48 PM
    • #4
    • 12th Jan 18, 8:48 PM
    NatWest's form is the same as Resolvers, but NatWest's form appears to be for a singular PPI claim whereas I have several.
    • Partridge89
    • By Partridge89 12th Jan 18, 9:33 PM
    • 21 Posts
    • 26 Thanks
    Partridge89
    • #5
    • 12th Jan 18, 9:33 PM
    • #5
    • 12th Jan 18, 9:33 PM
    Fill one in for each policy, donít bother with Resolver.
    • Moneyineptitude
    • By Moneyineptitude 12th Jan 18, 10:06 PM
    • 19,090 Posts
    • 10,263 Thanks
    Moneyineptitude
    • #6
    • 12th Jan 18, 10:06 PM
    • #6
    • 12th Jan 18, 10:06 PM
    Resolver will just complicate matters here. Complain directly to the lender.
    • dunstonh
    • By dunstonh 13th Jan 18, 12:01 AM
    • 90,300 Posts
    • 57,080 Thanks
    dunstonh
    • #7
    • 13th Jan 18, 12:01 AM
    • #7
    • 13th Jan 18, 12:01 AM
    Use one form but include a cover letter saying that you had multiple loans.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 13th Jan 18, 1:25 AM
    • 19,090 Posts
    • 10,263 Thanks
    Moneyineptitude
    • #8
    • 13th Jan 18, 1:25 AM
    • #8
    • 13th Jan 18, 1:25 AM
    Use one form but include a cover letter saying that you had multiple loans.
    Originally posted by dunstonh
    Actually, most banks will require filling in multiple individual forms, one for each loan. Best advice is to comply with such requests.
    The Op is looking at almost guaranteed success if this is a chain of loans with single premium PPI.
    • dunstonh
    • By dunstonh 13th Jan 18, 1:03 PM
    • 90,300 Posts
    • 57,080 Thanks
    dunstonh
    • #9
    • 13th Jan 18, 1:03 PM
    • #9
    • 13th Jan 18, 1:03 PM
    Actually, most banks will require filling in multiple individual forms, one for each loan. Best advice is to comply with such requests.
    The Op is looking at almost guaranteed success if this is a chain of loans with single premium PPI.
    Originally posted by Moneyineptitude
    The FCA would not accept the banks doing that. They insist that the customer is free to make their complaint by any reasonable means and the financial services firm cannot insist on a specified method. So, if someone sent in one form and a note saying that they had multiple PPI and wish to complain about all of them, the bank is required to accept that.

    The bank can request further information if the single form leaves gaps but they cannot insist on their own form being used. The information can be given in letter form, bullet points on a piece of paper or a third party form.

    All that doesnt stop some banks sometimes sending out their own form asking for complete duplication of what was already sent in. However, that is just a bad quality staff member getting it wrong.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. Different people have different needs and what is right for one person may not be for another. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Moneyineptitude
    • By Moneyineptitude 13th Jan 18, 10:19 PM
    • 19,090 Posts
    • 10,263 Thanks
    Moneyineptitude
    All that doesnt stop some banks sometimes sending out their own form asking for complete duplication of what was already sent in. However, that is just a bad quality staff member getting it wrong.
    Originally posted by dunstonh
    Well, in my own case (almost six years ago now) the Bank certainly did require their own form filled out multiple times, even though I had a consolidation chain of loans with single premium PPI.
    To avoid any additional hassle, I recommend simply complying. Others can argue the toss with the FCA.

    Resolver just complicates matters still further.
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