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  • FIRST POST
    • RaeR
    • By RaeR 2nd Mar 17, 11:11 AM
    • 72Posts
    • 18Thanks
    RaeR
    Clydesdale/Yorkshre Bank PPI
    • #1
    • 2nd Mar 17, 11:11 AM
    Clydesdale/Yorkshre Bank PPI 2nd Mar 17 at 11:11 AM
    Hi all,
    I'm here to see if anyone can help.
    Around 12/13 years ago we were on benefits and were with yorkshire bank. One payment had gone out with not enough funds to cover it, they let it go and charged us then for and kept charging upon charges. One day we came to it and they left us without any money to feed the kids, buy nappies etc.
    We got in touch with them and they gave us a loan to cover it, my husband dealt with it but we were quite naive at the time and didnt properly take things in and as we were panicking just said yes and took the loan.


    So to around Dec 2016 my husband got a letter saying they had news about a product he had, had with them and for him to contact them. He rang them and said yes its him etc, but we heard nothing. Recieved the letter again in January and this time we sent the details with the letter in the envelope.

    A few days ago we had another letter along with a questionnaire to fill in. We dont remember much about the loan etc and so dont know how to go about this, we could do with any money we are entitled to.

    Wondering if anyone has been in a similar situation or anyone can help with this so that we have the best chance of receiving any money we are owed?

    Thank you in advance
    Rachel
    Last edited by RaeR; 02-03-2017 at 11:13 AM. Reason: to subscribe
Page 1
    • Moneyineptitude
    • By Moneyineptitude 2nd Mar 17, 11:24 AM
    • 18,331 Posts
    • 8,570 Thanks
    Moneyineptitude
    • #2
    • 2nd Mar 17, 11:24 AM
    • #2
    • 2nd Mar 17, 11:24 AM
    A few days ago we had another letter along with a questionnaire to fill in. We dont remember much about the loan etc and so dont know how to go about this, we could do with any money we are entitled to.

    Wondering if anyone has been in a similar situation or anyone can help with this so that we have the best chance of receiving any money we are owed?
    Originally posted by RaeR
    First understand that you are not automatically "entitled" or "owed" anything. You have to fill in the form as fully and honestly as you can describing how insurance attached to the loan was somehow mis-sold to you. If you were on benefits, was this in addition to paid employment or instead of? If it was the latter, then protection from unemployment was of no use to you...
    • RaeR
    • By RaeR 2nd Mar 17, 11:33 AM
    • 72 Posts
    • 18 Thanks
    RaeR
    • #3
    • 2nd Mar 17, 11:33 AM
    • #3
    • 2nd Mar 17, 11:33 AM
    My husband was unemployed at the time.
    Thank you for your reply
    • Moneyineptitude
    • By Moneyineptitude 2nd Mar 17, 11:43 AM
    • 18,331 Posts
    • 8,570 Thanks
    Moneyineptitude
    • #4
    • 2nd Mar 17, 11:43 AM
    • #4
    • 2nd Mar 17, 11:43 AM
    My husband was unemployed at the time.
    Originally posted by RaeR
    So I'd say your chances of a refund of the PPI are very strong indeed.
    • RaeR
    • By RaeR 2nd Mar 17, 11:45 AM
    • 72 Posts
    • 18 Thanks
    RaeR
    • #5
    • 2nd Mar 17, 11:45 AM
    • #5
    • 2nd Mar 17, 11:45 AM
    Thank you,
    Im just worried as we dont really remember much about it, such as account number etc. We left them after the loan was paid off. If I remember correctly.
    • Moneyineptitude
    • By Moneyineptitude 2nd Mar 17, 11:48 AM
    • 18,331 Posts
    • 8,570 Thanks
    Moneyineptitude
    • #6
    • 2nd Mar 17, 11:48 AM
    • #6
    • 2nd Mar 17, 11:48 AM
    Thank you,
    Im just worried as we dont really remember much about it, such as account number etc.
    Originally posted by RaeR
    The account details would have been on the letter you received telling you that you can complain if you wish. I assume you still have a copy of this?

    Regardless, your only complaint reason needs to be that the insurance was utterly useless to you because you were already unemployed at the time of the sale.
    • -taff
    • By -taff 2nd Mar 17, 12:44 PM
    • 7,021 Posts
    • 4,432 Thanks
    -taff
    • #7
    • 2nd Mar 17, 12:44 PM
    • #7
    • 2nd Mar 17, 12:44 PM
    Just one thing. Are you absolutely sure the bank wrote to you?
    • RaeR
    • By RaeR 2nd Mar 17, 12:51 PM
    • 72 Posts
    • 18 Thanks
    RaeR
    • #8
    • 2nd Mar 17, 12:51 PM
    • #8
    • 2nd Mar 17, 12:51 PM
    Yes. I checked address/phone number etc when we got the first letter
    • Moneyineptitude
    • By Moneyineptitude 2nd Mar 17, 1:22 PM
    • 18,331 Posts
    • 8,570 Thanks
    Moneyineptitude
    • #9
    • 2nd Mar 17, 1:22 PM
    • #9
    • 2nd Mar 17, 1:22 PM
    Are you absolutely sure the bank wrote to you?
    Originally posted by -taff
    Clearly a CCL.
    Why wouldn't the Bank send one of these to the OP?
    • -taff
    • By -taff 3rd Mar 17, 7:25 AM
    • 7,021 Posts
    • 4,432 Thanks
    -taff
    I asked just in case it was a CMC. Two letters and a form etc etc.
    • Holywell
    • By Holywell 3rd Mar 17, 5:24 PM
    • 9 Posts
    • 5 Thanks
    Holywell
    I also received a letter from yorkshire bank asking me to contact them in Nov 16. When I called them they said I may have been mis sold ppi in the past and invited me to make a complaint if i thought i had been mis sold ppi.I made my complaint over the telephone for 10 loans and credit cards. Ppi had been front loaded so I had paid interest on them too. All complaints were upheld and I am now waiting for cheque for 25k. I had no information other than one loan account they had quoted on the original letter they had sent to me but they checked their records and some were done manually dating back to 1997 and they found all of the other records. I was honest with them to the best of my knowledge when I made the complaint. Go ahead and answer the questions they ask to your best ability. Do not go through a claims management company. I have had in total 37k refunded to me and I made complaints to 4 different banks all were upheld. They will accept your complaint over the telephone so it's quicker too. Just make a note of your reasons for making the complaint and have them to hand when you make the call. Don't delay
    • RaeR
    • By RaeR 3rd Mar 17, 6:10 PM
    • 72 Posts
    • 18 Thanks
    RaeR
    Thank you for your reply,
    the thing is with us we cant even remember exactly how much it was or anything. We know it was somewhere between 600 and 1000 but as I said before we were in such a panic we just signed and took it.




    I also received a letter from yorkshire bank asking me to contact them in Nov 16. When I called them they said I may have been mis sold ppi in the past and invited me to make a complaint if i thought i had been mis sold ppi.I made my complaint over the telephone for 10 loans and credit cards. Ppi had been front loaded so I had paid interest on them too. All complaints were upheld and I am now waiting for cheque for 25k. I had no information other than one loan account they had quoted on the original letter they had sent to me but they checked their records and some were done manually dating back to 1997 and they found all of the other records. I was honest with them to the best of my knowledge when I made the complaint. Go ahead and answer the questions they ask to your best ability. Do not go through a claims management company. I have had in total 37k refunded to me and I made complaints to 4 different banks all were upheld. They will accept your complaint over the telephone so it's quicker too. Just make a note of your reasons for making the complaint and have them to hand when you make the call. Don't delay
    Originally posted by Holywell
    • RaeR
    • By RaeR 15th Mar 17, 10:32 PM
    • 72 Posts
    • 18 Thanks
    RaeR
    Hi everyone,
    I used the resolver site through here to put the complaint through in the 9th March and recieved a letter today saying they will look into it a d they have 8 weeks.
    Do we just sit and wait now?

    Thanks again
    • Nasqueron
    • By Nasqueron 15th Mar 17, 10:48 PM
    • 4,164 Posts
    • 2,299 Thanks
    Nasqueron
    Hi everyone,
    I used the resolver site through here to put the complaint through in the 9th March and recieved a letter today saying they will look into it a d they have 8 weeks.
    Do we just sit and wait now?

    Thanks again
    Originally posted by RaeR
    They have 8 weeks before you can ask the FOS to look at the complaint. Yes you do just wait and see what they come back with
    • RaeR
    • By RaeR 28th Mar 17, 8:34 PM
    • 72 Posts
    • 18 Thanks
    RaeR
    I have just had a missed call from them at 19.55, although I have no idea how it was a missed call when all my sound was up high.
    I will keep posting to keep the thread updated.
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