Main site > MoneySavingExpert.com Forums > Essential Money > Reclaim PPI & Other Insurance > Help Please re: PPI Consumer Questionnaire (Page 1)

IMPORTANT! This is MoneySavingExpert's open forum - anyone can post

Please exercise caution & report any spam, illegal, offensive, racist, libellous post to forumteam@moneysavingexpert.com

  • Be nice to all MoneySavers
  • All the best tips go in the MoneySavingExpert weekly email

    Plus all the new guides, deals & loopholes

  • No spam/referral links
or Login with Facebook
Help Please re: PPI Consumer Questionnaire
Reply
Views: 9,152
Thread Tools Search this Thread Display Modes
# 1
Spud63
Old 23-05-2010, 12:40 PM
MoneySaving Convert
 
Join Date: Sep 2009
Posts: 117
Question Help Please re: PPI Consumer Questionnaire

Brief Summary : - Complaint with FOS re miss sold PPI by Norton on a Picture Loan, following an acknowledgement of our complaint from the FOS stating they are contacting the business, they have asked we complete and return a PPI Consumer Questionnaire.

Would be grateful to recieve some advise/guidance on a couple of questions....

C.2 What did you borrow the money for ? (please give details)

How much detail do we need to give ? it was to consolidate quite a few debts, creditcards and a couple of loans, do we need to provide individual amounts and names of companies we owed the money to ?

D.6 Did you have nay other means of making your repayments - if you were unable to wrok through sickness, accident or unemployment ? (eg savings, other insurance, relying on relatives/friends)

Again how much detail should we give here, We do not want to jepodise our complaint, as we had little other means, our complaint is that it was single premium, joint cover even though I was not working, not portable life cover as were lead to believe etc.,

Thank you

Clare.
Spud63 is offline
Reply With Quote Report Post
The Following User Says Thank You to Spud63 For This Useful Post: Show me >>
# 2
di3004
Old 23-05-2010, 12:49 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jun 2007
Location: South Wales (Gwent)
Posts: 42,529
Default

Quote:
Originally Posted by Spud63 View Post
Brief Summary : - Complaint with FOS re miss sold PPI by Norton on a Picture Loan, following an acknowledgement of our complaint from the FOS stating they are contacting the business, they have asked we complete and return a PPI Consumer Questionnaire.

Would be grateful to recieve some advise/guidance on a couple of questions....

C.2 What did you borrow the money for ? (please give details)

How much detail do we need to give ? it was to consolidate quite a few debts, creditcards and a couple of loans, do we need to provide individual amounts and names of companies we owed the money to ?

D.6 Did you have nay other means of making your repayments - if you were unable to wrok through sickness, accident or unemployment ? (eg savings, other insurance, relying on relatives/friends)

Again how much detail should we give here, We do not want to jepodise our complaint, as we had little other means, our complaint is that it was single premium, joint cover even though I was not working, not portable life cover as were lead to believe etc.,

Thank you

Clare.

Hi Clare

These Questionnaires seem to be the norm now, but what I believe many do is next to the questions is write:

(Please refer to my letter dated XX/XX/XXXX - where you will find the information you require to this question)
And
(Please refer to my account details you hold on me - from when this policy was sold to me - the information you require when these questions were asked when this was sold to me should be on file).

And/or answer to the best of your knowledge if you can, you will be okay.

Good luck.

Di
The one and only "Dizzy Di"
di3004 is offline
Reply With Quote Report Post
# 3
Spud63
Old 23-05-2010, 12:55 PM
MoneySaving Convert
 
Join Date: Sep 2009
Posts: 117
Default

Thank Di,

Just feeling very edgy about it all and knowing its going to take a age to resolve, either way, I just don't want to stick myself up.

Clare.
Spud63 is offline
Reply With Quote Report Post
The Following User Says Thank You to Spud63 For This Useful Post: Show me >>
# 4
di3004
Old 23-05-2010, 1:29 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jun 2007
Location: South Wales (Gwent)
Posts: 42,529
Default

Quote:
Originally Posted by Spud63 View Post
Thank Di,

Just feeling very edgy about it all and knowing its going to take a age to resolve, either way, I just don't want to stick myself up.

Clare.

That's okay Clare.

These questionnaires they send are also known to be used as a stalling tactic as well, and they must still comply by the 8 weeks they have.

The annoying thing is they are asking questions that they should already be aware of from when they sold you the policy, and yet they are asking these questions all over again.
The one and only "Dizzy Di"
di3004 is offline
Reply With Quote Report Post
# 5
dunstonh
Old 23-05-2010, 2:37 PM
Mega Magnificent Maxi-Meticulous Uber-MoneySaving Magnate
 
Join Date: Apr 2004
Location: Norfolk
Posts: 74,351
Default

The questionnaires serve a few purposes.

1 - to find out the information they have on file (which may be very little or could be a lot) is correct or incorrect.

2 - to find out if you are telling lies in your complaint.

3 - its information the FOS would need to know if the complaint goes to them. So, finding out beforehand allows them to either uphold without involving the FOS or reject as you have no grounds.

The complaints handler needs to know some facts. If you are telling the truth, the facts should not harm your complaint and should actually improve your chances. If you are making a fraudulent complaint then the facts could well harm you complaint.

Questionnaires are increasingly being use because of template letters that dont personalise the reasons for the complaint correctly.

It does buy companies some time but the main objective is really to try and weed out those that are trying it on.
I am a Financial Adviser. 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 a Financial Adviser local to you.
dunstonh is offline
Reply With Quote Report Post
The Following User Says Thank You to dunstonh For This Useful Post: Show me >>
# 6
Spud63
Old 23-05-2010, 5:33 PM
MoneySaving Convert
 
Join Date: Sep 2009
Posts: 117
Default

Quote:
Originally Posted by dunstonh View Post
The questionnaires serve a few purposes.

1 - to find out the information they have on file (which may be very little or could be a lot) is correct or incorrect.

2 - to find out if you are telling lies in your complaint.

3 - its information the FOS would need to know if the complaint goes to them. So, finding out beforehand allows them to either uphold without involving the FOS or reject as you have no grounds.

The complaints handler needs to know some facts. If you are telling the truth, the facts should not harm your complaint and should actually improve your chances. If you are making a fraudulent complaint then the facts could well harm you complaint.

Questionnaires are increasingly being use because of template letters that dont personalise the reasons for the complaint correctly.

It does buy companies some time but the main objective is really to try and weed out those that are trying it on.
I would hate to think that anyone thought I was trying it on !!! I guess what I am saying is ..... apart from sick pay and redundancy from my husbands employer, we would not really have had other payment protection insurance as a means to repay the loan, thus would the FOS then consider we would have needed the PPI, even though it was not explained properly, was a single premium, was joint cover and only one of us working etc.,

With regards to the purpose of the loan.....It was for debt consolidation, does the FOS need to know all the different creditcards etc., not that is a problem, just was not sure of the purpose.

Finally this Questionnaire was sent to me by the FOS and not the company I am complaining against. I have actually found a copy which I had completed online a month or so back, but did not send it with my original complaint as I thought it was supposed to be sent to the Company who I am complaining about. As I had, had a final response from them, did not think I should send it to them. Will now print off and send to FOS.

Clare
Spud63 is offline
Reply With Quote Report Post
The Following User Says Thank You to Spud63 For This Useful Post: Show me >>
# 7
di3004
Old 23-05-2010, 6:18 PM
Deliciously Dedicated Diehard MoneySaving Devotee
 
Join Date: Jun 2007
Location: South Wales (Gwent)
Posts: 42,529
Default

Quote:
Originally Posted by Spud63 View Post
I would hate to think that anyone thought I was trying it on !!! I guess what I am saying is ..... apart from sick pay and redundancy from my husbands employer, we would not really have had other payment protection insurance as a means to repay the loan, thus would the FOS then consider we would have needed the PPI, even though it was not explained properly, was a single premium, was joint cover and only one of us working etc.,

With regards to the purpose of the loan.....It was for debt consolidation, does the FOS need to know all the different creditcards etc., not that is a problem, just was not sure of the purpose.

Finally this Questionnaire was sent to me by the FOS and not the company I am complaining against. I have actually found a copy which I had completed online a month or so back, but did not send it with my original complaint as I thought it was supposed to be sent to the Company who I am complaining about. As I had, had a final response from them, did not think I should send it to them. Will now print off and send to FOS.

Clare

Hi Clare

I mis read your post earlier and thought it was from the bank themselves lol.
Yes the FOS have recently issued Questionnaires to use instead of using template letters, as these questionnaires seem to cover all grounds of PPI reclaiming.

You will find one on Stage one of reclaiming further down the page on Martin's link here:
http://www.moneysavingexpert.com/rec...loan-insurance

Good luck.

Di
The one and only "Dizzy Di"
di3004 is offline
Reply With Quote Report Post
# 8
Spud63
Old 23-05-2010, 9:04 PM
MoneySaving Convert
 
Join Date: Sep 2009
Posts: 117
Default

Thanks Di

Spud63 is offline
Reply With Quote Report Post
The Following User Says Thank You to Spud63 For This Useful Post: Show me >>
Reply

Bookmarks
 
 




Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

 Forum Jump  

Contact Us - MoneySavingExpert.com - Archive - Privacy Statement - Top

Powered by vBulletin® Copyright ©2000 - 2014, Jelsoft Enterprises Ltd.

All times are GMT +1. The time now is 1:58 AM.

 Forum Jump  

Free MoneySaving Email

Top deals: Week of 10 September 2014

Get all this & more in MoneySavingExpert's weekly email full of guides, vouchers and Deals

GET THIS FREE WEEKLY EMAIL Full of deals, guides & it's spam free

Latest News & Blogs

Martin's Twitter Feed

profile

Cheap Travel Money

Find the best online rate for holiday cash with MSE's TravelMoneyMax.

Find the best online rate for your holiday cash with MoneySavingExpert's TravelMoneyMax.

TuneChecker Top Albums

  • THE SCRIPTNO SOUND WITHOUT SILENCE
  • TRAINBULLETPROOF PICASSO
  • SAM SMITHIN THE LONELY HOUR (DELUXE EDITION)

MSE's Twitter Feed

profile
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks and other affiliated links in some of our boards, for some of our users.