PPI Reclaiming Discussion part 4

showergirl

nd20 wrote: »

Hi, can anyone advise? i have made a claim to rbs for ppi on a mint card which i belive was missold. I have their response today after 8 weeks and they are refusing to pay out, the ground being staff are correctly trained etc, however, on their investigations they keep refering to my account being a loan, and my loan application, it was a credit card, is this grounds to take it further in its self? as they state it has been fully investigated when it obviously has not as they keep refering to it as a complaint for loan ppi.

any advice on what to do next would be great

thanks

This is the same reply that most of us got from RBS. Take your complaint to the FOS, we did and won. Now we are just waiting for our money. Don't let them get you down, if you need any support just post on here where we will give you all the help and support you need.

bigjohnuk

Hi Guys,

Barclaycard update: I posted my complain re PPI 8 weeks ago. Ihave two confirmation letters from them with the last one confirming that they hope to resolve my complaint by the 6th April. 7th April got a lettering saying that they are unable to resolve the complaint and recormend that I complain to the FOS. Disappointing, but I will get my app off in the next few days.

showergirl

bigjohnuk wrote: »

Hi Guys,

Barclaycard update: I posted my complain re PPI 8 weeks ago. Ihave two confirmation letters from them with the last one confirming that they hope to resolve my complaint by the 6th April. 7th April got a lettering saying that they are unable to resolve the complaint and recormend that I complain to the FOS. Disappointing, but I will get my app off in the next few days.

Good luck. Keep us posted and if you need any advice just give us a shout

showergirl

Hi everyone,

I have been reading the post's this morning and I am shocked that the arguments have started again.

I have a friend at work who I was telling about my claim with Tesco and yesterday she told me she was going to try to reclaim her ppi from Barclaycard I gave her the address of this site and told her that there were some really good people here who could help her, as you have helped and supported myself.

For someone to come on here for the first time and read these post's I think would be shocked and possibly switch off, and not receive the help they need.

Please can we get back to helping people who are new to this and stop all this bickering. Like I said before we must all stick together otherwise the Banks etc will have won.

Please note this post is not meant at anyone in particular nor do I mean to cause offence.

Come on lets fight the banks etc not each other

kmerc1

Hi all again,

After reading what was said to me last week and taking it all on board, I've decided to go it alone and try and get my money back myself rather than a company. With the help of the letters on this website and my manager I've just printed off this letter to send to Natwest....

[FONT=&quot]Natwest Bank[/FONT]
[FONT=&quot]Bristol AMC[/FONT]
[FONT=&quot]740 Waterside Drive[/FONT]
[FONT=&quot]Aztec West, Almondsbury[/FONT]
[FONT=&quot]Bristol[/FONT]
[FONT=&quot]BS99 5BD[/FONT]

[FONT=&quot]Dear Sir or Madam,[/FONT]

[FONT=&quot]Account number: XXXXXX[/FONT]
[FONT=&quot]Loan Amount: £XXXXX (without insurance or interest)[/FONT]
[FONT=&quot]I purchased the above policy from you in November 2007 but now believe that I was mis-sold this policy as your salesperson was very pushy in selling me the policy so that I felt I could not say no. [/FONT]

[FONT=&quot]The sales techniques used by the sales person I spoke to I believe were both unethical and unprofessional. During the conversation I initially stated that I didn’t feel that I had a need for the additional insurance. In response the sales person asked me how I would feel ‘[FONT=&quot]if I was to suffer a fatal accident in my new car[/FONT][FONT=&quot] (which the loan was for)[/FONT][FONT=&quot]leaving my mother having to repay it’[/FONT][FONT=&quot]. I once again stated that I didn’t want to take the insurance and in response to this was asked by the sales person if ‘[/FONT][FONT=&quot]I had a conscience[/FONT][FONT=&quot]’.[/FONT][FONT=&quot] I felt that I had no option other than accept the insurance as part of my loan. [/FONT][/FONT]

[FONT=&quot]Unless you can satisfactorily justify to me that the policy sold was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. [/FONT]

[FONT=&quot]I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.[/FONT]


[FONT=&quot]So... what do you think? Do you think this letter will bring me success? :rotfl:
[/FONT]

maxdp

kmerc1 wrote: »

Hi all again,

After reading what was said to me last week and taking it all on board, I've decided to go it alone and try and get my money back myself rather than a company. With the help of the letters on this website and my manager I've just printed off this letter to send to Natwest....

[FONT=&quot]Natwest Bank[/FONT]
[FONT=&quot]Bristol AMC[/FONT]
[FONT=&quot]740 Waterside Drive[/FONT]
[FONT=&quot]Aztec West, Almondsbury[/FONT]
[FONT=&quot]Bristol[/FONT]
[FONT=&quot]BS99 5BD[/FONT]

[FONT=&quot]Dear Sir or Madam,[/FONT]

[FONT=&quot]Account number: XXXXXX[/FONT]
[FONT=&quot]Loan Amount: £XXXXX (without insurance or interest)[/FONT]
[FONT=&quot]I purchased the above policy from you in November 2007 but now believe that I was mis-sold this policy as your salesperson was very pushy in selling me the policy so that I felt I could not say no. [/FONT]

[FONT=&quot]The sales techniques used by the sales person I spoke to I believe were both unethical and unprofessional. During the conversation I initially stated that I didn’t feel that I had a need for the additional insurance. In response the sales person asked me how I would feel ‘[FONT=&quot]if I was to suffer a fatal accident in my new car[/FONT][FONT=&quot] (which the loan was for)[/FONT][FONT=&quot]leaving my mother having to repay it’[/FONT][FONT=&quot]. I once again stated that I didn’t want to take the insurance and in response to this was asked by the sales person if ‘[/FONT][FONT=&quot]I had a conscience[/FONT][FONT=&quot]’.[/FONT][FONT=&quot] I felt that I had no option other than accept the insurance as part of my loan. [/FONT][/FONT]

[FONT=&quot]Unless you can satisfactorily justify to me that the policy sold was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. [/FONT]

[FONT=&quot]I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.[/FONT]


[FONT=&quot]So... what do you think? Do you think this letter will bring me success? :rotfl:
[/FONT]

Looks good to me it is always best to put it in your own words. Good luck and let us know how you get on. Send it recorded delivery just to be sure that they get it.

amersall

bigjohnuk wrote: »

Hi Guys,

Barclaycard update: I posted my complain re PPI 8 weeks ago. Ihave two confirmation letters from them with the last one confirming that they hope to resolve my complaint by the 6th April. 7th April got a lettering saying that they are unable to resolve the complaint and recormend that I complain to the FOS. Disappointing, but I will get my app off in the next few days.

good for you, dont give up thats what they want you to do, please keep us posted

amersall

kmerc1 wrote: »

Hi all again,

After reading what was said to me last week and taking it all on board, I've decided to go it alone and try and get my money back myself rather than a company. With the help of the letters on this website and my manager I've just printed off this letter to send to Natwest....

[FONT=&quot]Natwest Bank[/FONT]
[FONT=&quot]Bristol AMC[/FONT]
[FONT=&quot]740 Waterside Drive[/FONT]
[FONT=&quot]Aztec West, Almondsbury[/FONT]
[FONT=&quot]Bristol[/FONT]
[FONT=&quot]BS99 5BD[/FONT]

[FONT=&quot]Dear Sir or Madam,[/FONT]

[FONT=&quot]Account number: XXXXXX[/FONT]
[FONT=&quot]Loan Amount: £XXXXX (without insurance or interest)[/FONT]
[FONT=&quot]I purchased the above policy from you in November 2007 but now believe that I was mis-sold this policy as your salesperson was very pushy in selling me the policy so that I felt I could not say no. [/FONT]

[FONT=&quot]The sales techniques used by the sales person I spoke to I believe were both unethical and unprofessional. During the conversation I initially stated that I didn’t feel that I had a need for the additional insurance. In response the sales person asked me how I would feel ‘[FONT=&quot]if I was to suffer a fatal accident in my new car[/FONT][FONT=&quot] (which the loan was for)[/FONT][FONT=&quot]leaving my mother having to repay it’[/FONT][FONT=&quot]. I once again stated that I didn’t want to take the insurance and in response to this was asked by the sales person if ‘[/FONT][FONT=&quot]I had a conscience[/FONT][FONT=&quot]’.[/FONT][FONT=&quot] I felt that I had no option other than accept the insurance as part of my loan. [/FONT][/FONT]

[FONT=&quot]Unless you can satisfactorily justify to me that the policy sold was fair and reasonable I am requesting a full refund of all premiums, and subsequent interest on these payments, that I have paid to date. As I believe I have been deprived of this money I also expect 8% statutory interest, the amount a court would award, to be added to each payment made. [/FONT]

[FONT=&quot]I look forward to a full and prompt response to this letter and for the matter to be concluded within eight weeks or I shall be contacting the Financial Ombudsman to investigate my complaint.[/FONT]


[FONT=&quot]So... what do you think? Do you think this letter will bring me success? :rotfl:
[/FONT]

thats good, i was told the same,what if you die, family left to pay etc, keep us posted and dont give up.

kmerc1

amersall wrote: »

thats good, i was told the same,what if you die, family left to pay etc, keep us posted and dont give up.

Thanks

I hope you don't mind me being cheeky but with both of us having similar circumstances, did your claim get approved or not?

amersall

kmerc1 wrote: »

Thanks

I hope you don't mind me being cheeky but with both of us having similar circumstances, did your claim get approved or not?

its ok ask away , its the only way we can all help each other by telling how we did it and why., it is with fos i did not tick the ppi box on one agreement that was when i phoned and was told. what if this happened and that happened, just like you., the second one i did not want ppi and when i telephoned to cancel ppi when first payment was taken, i was told they could cancel it but they could not give me the same interest so my loan would work out dearer without ppi than it was with ppi!! its only been with fos 4 weeks so i dont mind waiting for as long as it takes, if i win the whole world will know so fingers crossed.( mine are with northern rock)