PPI Reclaiming Discussion part 4

gratefull

SJB80 wrote: »

Hi

Another newbie looking at PPI reclaim with some quick questions which I hope you can help with.

Fortunately i've always kept copies of Experian reports and have these over several years. Although I can see start and settled date of agreements they don't mention the actual account number.

I'm following Martin's checklist and it starts with sending a letter with a £1 payment to the lender but within the letter I need to state the account number. I don't have this, what do I do?

Do I start with this £1 letter or go direct to the SAR request?

I was also just looking at loans but should I also consider my ex-credit cards - i've had several of each.

Rather than use a company to do this for me how long would you say from start to finish does the process take?

Thanks Guys and sorry for posing questions which undoubtedly have been posted previously however I can see hundreds of posts and not sure where to start.

SJB

Hi there the first thing I would do is phone each company and ask them directly for the account numbers, or go into your local branches and try that route. Its Probably the quickest way to go at the moment with the xmas post. Hopefully you will get something to work on over xmas

maggy50

Stormy38 wrote: »

Had a very interesting conversation with the claims department at RBS/Natwest, who unsurprisingly didn't have any record of my mis-selling claim, told me to send the SAR through but that I didn't have to pay for the information. When I queried the £10 fee, he told me 'we are telling all the customers phoning through they don't need to pay for this information'. My comment.......................another delay tactic to put people off when they are sent a letter asking for the £10, from him...........silence.
I sent my SAR with the £10 cheque!!!

And then after waiting the 40 days you will have to chase them and then a reply will be we acknowledge your request but you will have to verify your signature, we do not recognise your signature.

They request you either go to your bank or solicitor to verify your I'D.
What a joke ! Delaying tactics personified

maggy50

maggy50 wrote: »

And then after waiting the 40 days you will have to chase them and then a reply will be we acknowledge your request but you will have to verify your signature, we do not recognise your signature.

They request you either go to your bank or solicitor to verify your I'D.
What a joke ! Delaying tactics personified

In addition to this request for SAR I am dealing with PPI department of Nat West who have upheld my complaint and are paying me when! They feel fit yet no question of proof of I'D has been asked for there ?

beamerguy

maggy50 wrote: »

And then after waiting the 40 days you will have to chase them and then a reply will be we acknowledge your request but you will have to verify your signature, we do not recognise your signature.

They request you either go to your bank or solicitor to verify your I'D.
What a joke ! Delaying tactics personified

I agree, they are using every delaying tactic they can think of to avoid paying out. RBS / NATWEST are now a bank of idiots but, lets face it, you can understand where they get it from .... the CEO is Stephen Hester

2012 WILL BE A BAD YEAR FOR THE BANKS AS MORE AND MORE PEOPLE CLAIM AGAINST THEM, THIS IS ONLY THE START.

The more stalling tactics these idiots come out with, the more a laughing stock they will become, they are a huge joke already.

vixsta7

Anyone else having problems with conflicting information from Barclays AKA delaying tactics!

Had a letter through on Monday dated 9/12/2011 confirming my complaint had been upheld and my payment would be within 40 days. To quote the letter "I did not need to do anything, the funds would be put into my account" Figure quoted over the phone was much higher that amount on letter. (Amount on letter states estimate but an estimate of the money taking the full amount of time to reach me)

Rang Barclays Customer relations. Advisor did not know where the amount quoted on the phone had come from so I asked for call to be listened to (This was brushed aside). Asked if the wait is 40 days or 40 working days, she couldn't give me an answer. I was then advised I would need to call and confirm I was happy to accept amount. (Interesting considering the letter says otherwise and I don't know which amount I'm accepting!!)

In the end the advisor sounded pretty exasperated and fed up, which is ironic... so I gave up and wrote to Bob Diamond instead. I was hoping he might be able to get me some correct information and maybe give me his opinion on the thousands of customers who no doubt believe there's a whole host of delaying tactics going on. That was Monday, no response and not even an acknowledgement, but I expect he's on annual leave now... Happy Christmas Bob!!!!!

beamerguy

vixsta7 wrote: »

Anyone else having problems with conflicting information from Barclays AKA delaying tactics!

Had a letter through on Monday dated 9/12/2011 confirming my complaint had been upheld and my payment would be within 40 days. To quote the letter "I did not need to do anything, the funds would be put into my account" Figure quoted over the phone was much higher that amount on letter. (Amount on letter states estimate but an estimate of the money taking the full amount of time to reach me)

Rang Barclays Customer relations. Advisor did not know where the amount quoted on the phone had come from so I asked for call to be listened to (This was brushed aside). Asked if the wait is 40 days or 40 working days, she couldn't give me an answer. I was then advised I would need to call and confirm I was happy to accept amount. (Interesting considering the letter says otherwise and I don't know which amount I'm accepting!!)

In the end the advisor sounded pretty exasperated and fed up, which is ironic... so I gave up and wrote to Bob Diamond instead. I was hoping he might be able to get me some correct information and maybe give me his opinion on the thousands of customers who no doubt believe there's a whole host of delaying tactics going on. That was Monday, no response and not even an acknowledgement, but I expect he's on annual leave now... Happy Christmas Bob!!!!!

What amazes most of us about Bob Diamond of Barclays that he has let his bank fall into disrepute in just a few short months. The complaints about stalling tactics have risen and unless Diamond can say differently, it would seem they are fast running out of money to repay people.

40 days to send out a cheque is totally unacceptable.

You may have noticed that on the forum there is a FOS member of staff, so maybe the FOS should comment on this.

Barclays Bank have turned themselves in a "back street" organisation with such feeble excuses, just like "the cheques in the post"

Reading all that is going on with Barclays, nobody in their right mind will deal with Barclays in future. The one certain thing is NEVER EVER buy anything to do with insurance from Barclays Bank

Bob Diamond, eat your heart out for doing such a poor job and maybe if you resign and a let a professional take over, things will improve. Do your shareholders know what you are doing, doubtful

vixsta7

Its a massive shame, it really is! I've been with Barclays since I was old enough to have a bank account and the service appears to have been on a swift decline these last few years.

Bob needs to connect with HIS customers and get a grip on what's going on, it's clear his CR staff are under immense pressure, given the banks obligations these complaints should be his highest priority.

Many of his customers, myself included were duped into believing we would not be able to take a loan without PPI. I then wasn't allowed to cancel the PPI unless I took out another loan, disgraceful behaviour!!

To this date no one at Barclays has been willing to give me a breakdown of how much PPI I paid every month with one advisor telling me "I wasn't entitled to know".

Simply not good enough.

beamerguy

vixsta7 wrote: »

Its a massive shame, it really is! I've been with Barclays since I was old enough to have a bank account and the service appears to have been on a swift decline these last few years.

Bob needs to connect with HIS customers and get a grip on what's going on, it's clear his CR staff are under immense pressure, given the banks obligations these complaints should be his highest priority.

Many of his customers, myself included were duped into believing we would not be able to take a loan without PPI. I then wasn't allowed to cancel the PPI unless I took out another loan, disgraceful behaviour!!

To this date no one at Barclays has been willing to give me a breakdown of how much PPI I paid every month with one advisor telling me "I wasn't entitled to know".

Simply not good enough.

with one advisor telling me "I wasn't entitled to know".
WHAT ? This advisor must be one of Diamonds JERKS

ITS YOUR RIGHT TO KNOW FOR GOD'S SAKE.

BARCLAYS BANK = IDIOTS

And if "the staff are under immense pressure", IF THE WATER GETS TOO HOT, GET ANOTHER JOB

Jason_Bourne_2

dilus wrote: »

Phone is fine, as long as you get a confirmation by post that it has been logged. You may have to wait until after Christmas now before you get that reply or even after New Year but if you don't, phone them back and ask if it has been logged
It wouldn't hurt to fill in a questionnaire with exactly the same details you gave over the phone just in case you have to go to the FOS at a later date, not that I think you will have to,upfront PPI is a big NO,NO

Jason_Bourne wrote: »

Hi, Newbie here starting my claims.

Just started my first claim today on BOS for a loan which is paid off.
Got a copy of the credit agreement which I have signed for PPI (£1000ish).

I never requested PPI, was never given an option of a loan without it, wasn't asked if I had cover already, wasn't asked about my sick pay at work and was led to believe it was pretty much an essential part of the agreement in order to get finance.

If I had know it was optional I would not have taken it out as my job at the time paid full sick pay when I was off. (was off for 4 & 1/2 weeks with full pay). I also stayed with my parents at the time and they would have bailed me out if needed.

The agreement only had the account number for the loan, not for the PPI so I called the PPI number to get this prior to my complaint.

Woman was very helpful and filed the complaint over the phone (not sure if this is the best way from my point of view?)

Do I have a pretty good case?

This site has opened my eyes to the fact that we've been taken for a ride by these banks.

I've had a few credit cards over the years and juggled the balances around. Have never requested or ticked boxes for PPI with credit cards so have sent SAR letter to each lender to find out if I ever had it(worth a tenner in my opinion).

Thanks in advance for any replys or advice and I'll let you know hit it goes.

dilus wrote: »

Hi Jason,
If it was upfront single premium (lumped on at the start of the loan) then they will find it difficult to turn it down, go for it yourself with the questionnaire off this site and of course all the help you need from the great people on here, good luck and keep us posted on progress

Sorry just realised you say you have got the ball rolling by phone, good

Ok, got my reply from the bank after my telephone complaint. They listed my reasons as..............

• You stated that you were under the impression that you need to take the PPI to successfully get the loan
• You stated that you would not have taken PPI because you get sick pay
• You stated that your parents would have paid your loan if ever you will not be able to pay it
• You stated that you were not aware that it was optional and you never requested PPI because you did not nee it.

This is kind of what I said, I was put on the spot as I didn't know I was going to make the complaint over the phone. I only called for account number.

Will this be ok or have they worded my statement to suit them?#

Thanks again in advance.

dilus

Jason_Bourne wrote: »

Ok, got my reply from the bank after my telephone complaint. They listed my reasons as..............

• You stated that you were under the impression that you need to take the PPI to successfully get the loan
• You stated that you would not have taken PPI because you get sick pay
• You stated that your parents would have paid your loan if ever you will not be able to pay it
• You stated that you were not aware that it was optional and you never requested PPI because you did not nee it.

This is kind of what I said, I was put on the spot as I didn't know I was going to make the complaint over the phone. I only called for account number.

Will this be ok or have they worded my statement to suit them?#

Thanks again in advance.

Hi Jason, you MUST state that this was an upfront single premium PPI, this is frowned upon by the FOS and the sale of which has been outlawed since April 2011. This is by far the most upheld form of PPI.
You should phone them back and stress this point STRONGLY and even go as far as telling them that it was fraudulent