PPI Reclaiming Discussion part 4

beamerguy

smitchy73 wrote: »

I agree, after seeing what was written in my reply from RBS for my SAR where they wanted me to list the date, time, department I spoke to, who I spoke to, I figure anytime you speak to someone you should note these things, just in case.
As for thanking them, remember, they are probably just being told what to say, but as i've always said it's nice to be nice, and if they are not nice back, get their name and complain about them, as far as I'm aware most banks will have a code of conduct about how to treat customers(oops what are we on here for)..lol.

ROYAL BANK OF SCOTLAND :mad::mad::mad::mad:

"to list the date, time, department I spoke to, who I spoke to,"

WHAT A LOT OF RUBBISH, This is the worst "fob off" from the RBS I have seen so far.

As far as being nice, are the RBS nice to you, of course not, so get your guns out and let THEM know they are spouting rubbish

You could go the "so called" CEO, being Stephen Hester but I suspect he may be away .... spending some of his disgusting bonus to which he admiitted was leaked into the bonus culture from tax payers money

RBS ON THE SAME LEVEL AS CAPITAL ONE ---- THEIVES ? :mad::mad::mad:

beamerguy

Just 2 forums and look how many people are reading what is going on

PPI SUCCESSES AND FAILURES READ BY 1,530,126 PEOPLE


PPI DISCUSSION READ BY 834,815 PEOPLE

These forums expose the banks, more fool them for ignoring the severity.

cappo

Go over to the mse news centre theres an article on there re feedback for the new fca and of course it's your chance to have a say, heres one email i sent i wouid all post on your stories quickly before the page disappears,it's also our chance to have a say on non advised sales and of course capital one and rbs.





Hi i see you've given consumers a say in what we think of the new fca and indeed yourselves,my problem is posting on the mse forum on ppi reclaiming i and a lot of the people posting on the site are finding that although the fsa and the fos won your hard fought ruling over ps10/12 the banks despite losing the financial review still are not investigating complaints properly, Indeed i have put in a reclaim myself for misold ppi when i took out a credit card with LTSB and i cannot get the bank to even admit that i had ppi when i know full well i did I am now having to sar the bank this is not right, this must stop, the new fca must intervene when policy is not being adhered to, we as consumers are having to pay £10.00 to access information that that should be currently free, i find a lot of posters on mse are being given conflicting information this is not right banks must not be allowed to dictate policy to the fsa or the new fca as that is why the regulator is there. If you want to discuss this furher i am cappo on the ppi reclaiming forum ]

chester1976

letter recieved from yorkshire bank this morning saying they have recieved my complaint and they will keep me updated with the progress as soon as they can but certainly during the next four weeks!
that seems a bit quick for a response, it is an old loan (1996) and i have no paperwork or agreement for the loan. Has anyone else had a letter from yorkshire or clydesdale bank with this time frame on?:o

di3004

cappo wrote: »

Go over to the mse news centre theres an article on there re feedback for the new fca and of course it's your chance to have a say, heres one email i sent i wouid all post on your stories quickly before the page disappears,it's also our chance to have a say on non advised sales and of course capital one and rbs.





Hi i see you've given consumers a say in what we think of the new fca and indeed yourselves,my problem is posting on the mse forum on ppi reclaiming i and a lot of the people posting on the site are finding that although the fsa and the fos won your hard fought ruling over ps10/12 the banks despite losing the financial review still are not investigating complaints properly, Indeed i have put in a reclaim myself for misold ppi when i took out a credit card with LTSB and i cannot get the bank to even admit that i had ppi when i know full well i did I am now having to sar the bank this is not right, this must stop, the new fca must intervene when policy is not being adhered to, we as consumers are having to pay £10.00 to access information that that should be currently free, i find a lot of posters on mse are being given conflicting information this is not right banks must not be allowed to dictate policy to the fsa or the new fca as that is why the regulator is there. If you want to discuss this furher i am cappo on the ppi reclaiming forum and my email address is


Well said Cappo :T:T

di3004

chester1976 wrote: »

letter recieved from yorkshire bank this morning saying they have recieved my complaint and they will keep me updated with the progress as soon as they can but certainly during the next four weeks!
that seems a bit quick for a response, it is an old loan (1996) and i have no paperwork or agreement for the loan. Has anyone else had a letter from yorkshire or clydesdale bank with this time frame on?:o

Wonderful, well lets hope you hear some good news soon then, fingers crossed.

I think some say 4 weeks as a general update timescale, but again maybe they will try to deal with complaints by then, and if not they will just send the usual follow on that they have an extra 4 weeks perhaps, but good luck anyway.;)

beverleykim

Just thought I would update you - I have a complaint against G E Capital Bank for mis-selling me PPI back in 1998 when I took out a Debenhams storecard. Santander came back to me stating that they could not uphold my complaint because they feel the shop assistant followed guidelines etc., policy was sent out to me giving me a chance to cancel etc, etc.,

At the time I only worked 15 hours per week and my husband was self-employed so the insurance was never appropriate to us and was in fact a total waste of money. But because Santander said this was their final response, I have written to the FLA (due to the age of my complaint)

What a waste of time they are!!!! All they actually did was forward my letter onto Santander who more or less said I had to prove it. Why is it that we seem to have to prove it to the banks now when in fact the original Martin template letter has always been worded that they had to prove to us that we were not mis-sold.

The letter FLA received back from Santander actually even referenced a different store card and different number. How can I feel comfident that the FLA are supporting me when they did not even notice the incorrect details on the final response letter.

I am not accepting this and have written back to FLA advising so. Why is the onus now on us as customers to prove that we were mis-sold. The storecard was opened at a cashier desk within minutes, with other customers waiting to purchase their goods by my side, together with my three year old. How can they honestly say that the shop assistant went over all the terms and conditions.

I have written back to the FLA asking how can I prove I was mis-sold. The signed agreement has crosses (made by the shop assistant) where I had to sign - now a cross was by the PPI and I have signed that, but I am 100% confident that I would never have agreed to PPI if explained to me fully - why would I if I could never make a claim if I needed too.

G E Capital bank were fined for selling PPI to customers like myself by shop assistants that were really only trying to sell their 'quota' of storecards as pushed by their supervisors. Why is FLA not supporting customers like myself, they know the history, but just taking the word of Santander.

Can anyone please tell me how I can prove my honesty?? I have asked FLA the same question, otherwise it seems they just take the banks word for it again - and they get off with not refunding money that is in fact mine and not theres to have.

cappo

beverleykim wrote: »

Just thought I would update you - I have a complaint against G E Capital Bank for mis-selling me PPI back in 1998 when I took out a Debenhams storecard. Santander came back to me stating that they could not uphold my complaint because they feel the shop assistant followed guidelines etc., policy was sent out to me giving me a chance to cancel etc, etc.,

At the time I only worked 15 hours per week and my husband was self-employed so the insurance was never appropriate to us and was in fact a total waste of money. But because Santander said this was their final response, I have written to the FLA (due to the age of my complaint)

What a waste of time they are!!!! All they actually did was forward my letter onto Santander who more or less said I had to prove it. Why is it that we seem to have to prove it to the banks now when in fact the original Martin template letter has always been worded that they had to prove to us that we were not mis-sold.

The letter FLA received back from Santander actually even referenced a different store card and different number. How can I feel comfident that the FLA are supporting me when they did not even notice the incorrect details on the final response letter.

I am not accepting this and have written back to FLA advising so. Why is the onus now on us as customers to prove that we were mis-sold. The storecard was opened at a cashier desk within minutes, with other customers waiting to purchase their goods by my side, together with my three year old. How can they honestly say that the shop assistant went over all the terms and conditions.

I have written back to the FLA asking how can I prove I was mis-sold. The signed agreement has crosses (made by the shop assistant) where I had to sign - now a cross was by the PPI and I have signed that, but I am 100% confident that I would never have agreed to PPI if explained to me fully - why would I if I could never make a claim if I needed too.

G E Capital bank were fined for selling PPI to customers like myself by shop assistants that were really only trying to sell their 'quota' of storecards as pushed by their supervisors. Why is FLA not supporting customers like myself, they know the history, but just taking the word of Santander.

Can anyone please tell me how I can prove my honesty?? I have asked FLA the same question, otherwise it seems they just take the banks word for it again - and they get off with not refunding money that is in fact mine and not theres to have.

This is a bit worrying, we're noticing it with the fos as well, i don't think reclaiming since the jr is proving as straightforward as we all first thought, On a more positive note be tenacious, stick in there and keep at them.

beamerguy

beverleykim wrote: »

Just thought I would update you - I have a complaint against G E Capital Bank for mis-selling me PPI back in 1998 when I took out a Debenhams storecard. Santander came back to me stating that they could not uphold my complaint because they feel the shop assistant followed guidelines etc., policy was sent out to me giving me a chance to cancel etc, etc.,

At the time I only worked 15 hours per week and my husband was self-employed so the insurance was never appropriate to us and was in fact a total waste of money. But because Santander said this was their final response, I have written to the FLA (due to the age of my complaint)

What a waste of time they are!!!! All they actually did was forward my letter onto Santander who more or less said I had to prove it. Why is it that we seem to have to prove it to the banks now when in fact the original Martin template letter has always been worded that they had to prove to us that we were not mis-sold.

The letter FLA received back from Santander actually even referenced a different store card and different number. How can I feel comfident that the FLA are supporting me when they did not even notice the incorrect details on the final response letter.

I am not accepting this and have written back to FLA advising so. Why is the onus now on us as customers to prove that we were mis-sold. The storecard was opened at a cashier desk within minutes, with other customers waiting to purchase their goods by my side, together with my three year old. How can they honestly say that the shop assistant went over all the terms and conditions.

I have written back to the FLA asking how can I prove I was mis-sold. The signed agreement has crosses (made by the shop assistant) where I had to sign - now a cross was by the PPI and I have signed that, but I am 100% confident that I would never have agreed to PPI if explained to me fully - why would I if I could never make a claim if I needed too.

G E Capital bank were fined for selling PPI to customers like myself by shop assistants that were really only trying to sell their 'quota' of storecards as pushed by their supervisors. Why is FLA not supporting customers like myself, they know the history, but just taking the word of Santander.

Can anyone please tell me how I can prove my honesty?? I have asked FLA the same question, otherwise it seems they just take the banks word for it again - and they get off with not refunding money that is in fact mine and not theres to have.

The bottom line is this .... Shop assistants are not licenced by the FSA to sell financial products and that is mis-selling in it's own right.

Tell G E Capital bank this and if they still persist in being silly, request to see the licence and number the FSA issued to the shop assistant

beverleykim

beamerguy wrote: »

The bottom line is this .... Shop assistants are not licenced by the FSA to sell financial products and that is mis-selling in it's own right.

Tell G E Capital bank this and if they still persist in being silly, request to see the licence and number the FSA issued to the shop assistant

What a good idea - and very keen to add this to my letter back to the FLA - but this happened in 1998, before I quote this, does this still apply?