PPI Reclaiming Discussion part 4

scoodies

di3004 wrote: »

Hiya hun

A fob off then?

An SAR can be useful to help your case, so with a bit of luck something within the SAR will help support your case.

And hopefully there will be a copy of the recordings of any telephone calls made, if not there should be transcripts of dates and times of calls, with maybe what the conversation entailed.


You can still write back to them now, have they given you a certain time to get back to them for them with more information in order for them to reconsider your complaint?

or if its not long before your expecting your SAR to arrive, see what comes back first, but try to write back to them with a 2nd stage letter if they have given you a timescale for this.;)

They have given me 4 weeks to reply. So I'll write the 2nd stage letter tonight and post that tomorrow.

Thanks for your help di xxx :A

di3004

scoodies wrote: »

They have given me 4 weeks to reply. So I'll write the 2nd stage letter tonight and post that tomorrow.

Thanks for your help di xxx :A

Good luck hun and with a bit of luck your SAR should be with you before the 40 day deadline they have, but even if you do write back to them now, anything that is useful within the SAR can be useful later on.;) :A

Di
XX

scoodies

di3004 wrote: »

Good luck hun and with a bit of luck your SAR should be with you before the 40 day deadline they have, but even if you do write back to them now, anything that is useful within the SAR can be useful later on.;) :A

Di
XX

Yeah, that's true!

Will keep you posted xx;)

simon1111

AverageJoe wrote: »

Mate, if they are actually saying that the PPI was bought on the phone legitimately and that therefore you have no case, then they'll need to provide evidence to support their claim.

hey joe, i think there is a song in there somewhere!. thanks for your reply unfortunatley they are saying that they will not enter into anymore correspondence with regards the matter so i do not see how i can get them to prove anything

maxdp

simon1111 wrote: »

hey joe, i think there is a song in there somewhere!. thanks for your reply unfortunatley they are saying that they will not enter into anymore correspondence with regards the matter so i do not see how i can get them to prove anything

Perhaps it is them that should prove that you rang them Simon. I think this is the usual fob off.:D That is also !!!!!!!! that they do not cold call and that they are not allowed to. They are not allowed to look your number up in the phone book and call you but they probably had your telephone number when you took out the loan so that is not in fact cold calling. I had one that was A and L now MBNA and they upheld the complaint and that was with a cold call to sell PPI insurance on a credit card. Know that was different to yours but am sure if they do for CC they do for Loans. Take them to the FOS.

di3004

maxdp wrote: »

Perhaps it is them that should prove that you rang them Simon. I think this is the usual fob off.:D That is also !!!!!!!! that they do not cold call and that they are not allowed to. They are not allowed to look your number up in the phone book and call you but they probably had your telephone number when you took out the loan so that is not in fact cold calling. I had one that was A and L now MBNA and they upheld the complaint and that was with a cold call to sell PPI insurance on a credit card. Know that was different to yours but am sure if they do for CC they do for Loans. Take them to the FOS.

Hiya Max, hope your well.

You have a good point here Max......:D :T .

However Simon is unable to take this to the FOS as they (MBNA) confirmed to him they were not under jurisdiction of when he had taken this out.

But Simon has been in touch with the FLA who have registered his case.

I do think maybe getting in touch with the ICO may help, what do you think?
As he did SAR them as well.;)

pinkprincess99

pinkprincess99 wrote: »

Hi. I just wanted to let everyone know, I have received a letter from RBS this morning advising that they are satisfied that I would have been provided with all the information to make an informed decision, HOWEVER, to reflect my valued custom to the group they are prepared to make an offer as a gesture of goodwill and without any admission of liability.
I don't know the amount involved at the moment as they state due to the dates of the loans they are calculating the amount and it may take a little time.
So thank you to all of you who answered my questions, the fight may not be over yet as they are yet to disclose the amount but I have got further than I thought I would because of the advice I have received on this board x

Hi Everyone,
Sorry to bother you all again, but I need a little bit more advise.
RBS have still not given me a figure regarding the goodwill gesture. I have called them and they advised that RBS are working on a new process regarding certain types of loans and figures cannot be calculated until they receive the new process from head office. They told me they do not have a timescale for this.
I have spoken to FOS and they told me that they cannot advise me on what to do but the waiting list for FOS complaints is very long.
It's been 5 weeks since the goodwill offer letter and I really don't know what to do next. I'd be grateful for any advice anyone can offer.
Thanks

di3004

pinkprincess99 wrote: »

Hi Everyone,
Sorry to bother you all again, but I need a little bit more advise.
RBS have still not given me a figure regarding the goodwill gesture. I have called them and they advised that RBS are working on a new process regarding certain types of loans and figures cannot be calculated until they receive the new process from head office. They told me they do not have a timescale for this.
I have spoken to FOS and they told me that they cannot advise me on what to do but the waiting list for FOS complaints is very long.
It's been 5 weeks since the original letter and I really don't know what to do next. I'd be grateful for any advice anyone can offer.
Thanks

Hi hun

So this case is being dealt with by the FOS I take it?

5 weeks I believe is already long enough, but maybe the RBS have a lot of calculations to deal with due to these complaints, but a breakdown of calculations, surely this should not take long, unless someone can confirm otherwise, I know its a right pain waiting for these.

And its no bother, that's what we're here for lol , however it may be worth checking on the success thread as well, next to this one, and check out other winners in regards of RBS, and maybe post something on there as well if you want to where they may try to give you some help in what to do in regards of this actual company.

I hope you hear soon though and please keep us posted.;)

pinkprincess99

di3004 wrote: »

Hi hun

So this case is being dealt with by the FOS I take it?

5 weeks I believe is already long enough, but maybe the RBS have a lot of calculations to deal with due to these complaints, but a breakdown of calculations, surely this should not take long, unless someone can confirm otherwise, I know its a right pain waiting for these.

And its no bother, that's what we're here for lol , however it may be worth checking on the success thread as well, next to this one, and check out other winners in regards of RBS, and maybe post something on there as well if you want to where they may try to give you some help in what to do in regards of this actual company.

I hope you hear soon though and please keep us posted.;)

Hi Di
No it's not being dealt with by the FOS as the letter from RBS agreeing to pay a goodwill gesture arrived the day I was sending in the FOS forms. I can't believe they haven't come up with an offer figure yet and there doesn't appear to be an end in sight yet!
I don't know if I am just being fobbed off by the 'New Process' excuse, but I really don't want to go to the FOS as I believe it is a 9 month wait.
Thanks

sue149

pinkprincess99 wrote: »

Hi Di
No it's not being dealt with by the FOS as the letter from RBS agreeing to pay a goodwill gesture arrived the day I was sending in the FOS forms. I can't believe they haven't come up with an offer figure yet and there doesn't appear to be an end in sight yet!
I don't know if I am just being fobbed off by the 'New Process' excuse, but I really don't want to go to the FOS as I believe it is a 9 month wait.
Thanks

i went with the fos it has took about 4 months quicker that i expected