PPI Reclaiming discussion Part III

Natalie6999

di3004 wrote: »

Hi Natalie

Its so good to see you, hope things are going well for you hun.;)

Di

I am only coming on to answer a query about RBS as I feel this thread has too many personal issues so I won't be on very often except where posts overlap with my own complaints.

di3004

Natalie6999 wrote: »

Di

I am only coming on to answer a query about RBS as I feel this thread has too many personal issues so I won't be on very often except where posts overlap with my own complaints.

Yes Nat, I see your point and that is fair enough.;)

Incipience

hey all... what have I missed?

di3004

Incipience wrote: »

hey all... what have I missed?

Hi Incipience.

lol, you've not missed anything, good your here though as there has been some interest in your postings over the last few days.

Incipience

Glad to see I am good for something. :-) been talking to the FOS and managed to argue my case on the acceptance of complaints against the lender where a broker has been involved.

di3004

Incipience wrote: »

Glad to see I am good for something. :-) been talking to the FOS and managed to argue my case on the acceptance of complaints against the lender where a broker has been involved.

That sounds good and hopeful then.
So the FOS agree now then do they ?

Incipience

You have to prove beyond a reasonable doubt that you would have no way in knowing that a broker was responsible. Paying special attention to all the documentation and lack of any mention of the broker and its responsibility.

Further more, the broker is ACTING AS AN AGENT to the lender and therefore the lender does have liability to the agents actions.

I think the key thing to focus on is getting a rulling that the lender is liable by its own documentation. This can therefore not be disputed.

I guess its all about the evidence, the FOS chap told me that it is essential that the complaint focus on the evidence and argue why you believe the broker to be responsible.

It makes perfect sense..

On another note, just had a financial journalist from the BBC email me wanting to talk to me.. could be interesting. Hope I will have the opportunity to highlight the plight of fellow consumers.

di3004

Incipience wrote: »

You have to prove beyond a reasonable doubt that you would have no way in knowing that a broker was responsible. Paying special attention to all the documentation and lack of any mention of the broker and its responsibility.

Further more, the broker is ACTING AS AN AGENT to the lender and therefore the lender does have liability to the agents actions.

I think the key thing to focus on is getting a rulling that the lender is liable by its own documentation. This can therefore not be disputed.

I guess its all about the evidence, the FOS chap told me that it is essential that the complaint focus on the evidence and argue why you believe the broker to be responsible.

It makes perfect sense..

On another note, just had a financial journalist from the BBC email me wanting to talk to me.. could be interesting. Hope I will have the opportunity to highlight the plight of fellow consumers.

This is great Incipience.

I always assumed it would be the lender of whom you could complain to, after many letters sent to the lender they stated "you should complain to the broker" blah blah blah, I just thought I was being fobbed off.

Hey that's interesting regarding Finanical Journalist from the BBC, keep us posted on that.....;) cheers

Incipience

On another note we have now sought the advice from a specialist law firm, who have agreed with my arguments on who is liable.

GRABBER

WOW thanks guys & gals what a friendly bunch