PPI Reclaiming discussion Part III

marshallka

pinknico wrote: »

Is that right? I have a case in 2003 that the company say was non advised?

I wonder where I can get clarification.

Bespoke wrote that to me about mine of 2000 and singlep replied it was rubbish as non advised sales of the PPI did not exist prior to 2005 and were introduced much later in GIB...;) .

It was simply that the firms did not have adequate training then to give a non advised sale of the PPI so ALL sales were advised really although they say non advised. (we strongly recommend you have this is enough to be advised or you cannot have the loan without it!!)

Silverbird

Hi everybody

I was just wondering if anybody has recently had experience of dealing with Nationwide?

OH had a loan with them and we have sent the 2 letters and we received their 'no, we're not refunding you' letter yesterday. Their main justification is that OH signed the forms confirming the loan and that it mentioned the PPI was able to be cancelled. We don't see this as the point, as he was told over the phone he simply wouldn't have the loan without the PPI, and he needed the loan.

We're therefore going to the Financial Ombudsman.

I realise there's a 2/3 chance of being successful and obviously we'd like to be one of the successful ones!! I just wondered whether anybody had recently had any successes with Nationwide after going to the Ombudsman?

With many thanks in advance.

marshallka

Silverbird wrote: »

Hi everybody

I was just wondering if anybody has recently had experience of dealing with Nationwide?

OH had a loan with them and we have sent the 2 letters and we received their 'no, we're not refunding you' letter yesterday. Their main justification is that OH signed the forms confirming the loan and that it mentioned the PPI was able to be cancelled. We don't see this as the point, as he was told over the phone he simply wouldn't have the loan without the PPI, and he needed the loan.

We're therefore going to the Financial Ombudsman.

I realise there's a 2/3 chance of being successful and obviously we'd like to be one of the successful ones!! I just wondered whether anybody had recently had any successes with Nationwide after going to the Ombudsman?

With many thanks in advance.

If you type nationwide into the search this thread at the top of the this page or on the success and failure thread then you will see where people have posted on this.;)

maxdp

Thank you Marshallka

That was useful. Hope you are feeling better.;)

marshallka

maxdp wrote: »

Thank you Marshallka

That was useful. Hope you are feeling better.;)

Yeah thanks maxdp, hubby got it now...:eek: . They always have it worse than us women too..

Silverbird

marshallka wrote: »

If you type nationwide into the search this thread at the top of the this page or on the success and failure thread then you will see where people have posted on this.;)

Hi marshallka

Thank you very much for your reply.

I did do this already, but there really aren't many posts for Nationwide in either of the 3 parts of the discussion boards and there haven't been many at all recently, which is why I'd asked.

No worries though - just thought it was worth asking in case there were any 'lurkers'!

Thanks again.

pinknico

marshallka wrote: »

Bespoke wrote that to me about mine of 2000 and singlep replied it was rubbish as non advised sales of the PPI did not exist prior to 2005 and were introduced much later in GIB...;) .

It was simply that the firms did not have adequate training then to give a non advised sale of the PPI so ALL sales were advised really although they say non advised. (we strongly recommend you have this is enough to be advised or you cannot have the loan without it!!)

Why would they need more training for a non advised sale?

maxdp

pinknico wrote: »

Why would they need more training for a non advised sale?

Hi Pinknico

Cause they need to have a knowledge of a range of insurances and information so that they can give this to the consumer so that they make their own mind up.

Advised sale is selling their own product and recommending it to you. Or advising you on health issues.:o

di3004

Good morning folks

A quick hi, while I'm having a coffee break......:D ,hope your all well, sorry to hear your hubby has this man flu now Max....:rolleyes: , yep your right, I believe men get is worse as well...:rolleyes: .
Thanks for your email again hunni.

Marshallka hope you and hubby are okay today too.;)
Have you heard anything from co-op yet hun?
Fingers crossed.

Hi Pinknico hun, I take it your still waiting for news from Picture as well ?

maxdp

di3004 wrote: »

Good morning folks

A quick hi, while I'm having a coffee break......:D ,hope your all well, sorry to hear your hubby has this man flu now Max....:rolleyes: , yep your right, I believe men get is worse as well...:rolleyes: .
Thanks for your email again hunni.

Marshallka hope you and hubby are okay today too.;)
Have you heard anything from co-op yet hun?
Fingers crossed.

Hi Pinknico hun, I take it your still waiting for news from Picture as well ?

Hi Di

You are welcome. My hubby does not have flu that is Marshallka's .

If my hubby caught a cold there would be an announcement in the local papers:rotfl: