PPI Reclaiming Discussion part 4

showergirl

hannahb123 wrote: »

Looking For Some Help, Have Had A Rbs Credit Card Since 1996 Months Ago I Requested A Copy Of My Cca, This Was Eventually Sent And I Discovered I Had Not Ticked For Ppi But They Have Continued To Add This For 13 Years.
I Have Complained To Rbs Eventually They Replied And Have Said That As I Have Had The Account So Long It Is Up To Me To Raise These Concerns Within A Reasonable Amount Of Time , And Due To A Significant Amount Of Time Passing And Because I Have Not Complained Before They Are Unable To Complete An Investigation Into My Concerns.

Surely They Must Be Liable, Any Ideas On My Next Move???????

I would take this to the FOS and see what they have to say.

You have got nothing to lose.
Good Luck and keep us posted

hannahb123

Thanks for the help guys, I've e-mailed the FOS and asked if this could be dealt with or is it outwith their duristiction, so we'll wait and see, but i'll keep you posted. xxxxxx

dialysis

Beaniebabe any luck with telephone calls hun?

beaniebabe

dialysis wrote: »

Beaniebabe any luck with telephone calls hun?

Hi Dialysis

Have just got in from work and given the FSCS a call. They confirmed my case was being worked on but could not give a timescale stating there were many priority cases.
I asked how we would be paid out if we would be eligible to any refund and was informed that we would receive a cheque as this is the usual proceedure. I also asked if the FSCS would restructure our loan account or would all money be refunded direct to us to sort this out ourselves. He informed me that any funds would be made to us and FSCS would not be responsible for re structuring loan accounts now being held by target.
I don't think you need to worry Looks like its in hand. However it is interesting to know how they will work the refund out as there should be interest etc and it seems like they will be leaving it to us to decide if we want to use it to reduce the loan repayments. Looks good though!!!X
Will log on this evening am going out in a bit.;)

dialysis

beaniebabe wrote: »

Hi Dialysis

Have just got in from work and given the FSCS a call. They confirmed my case was being worked on but could not give a timescale stating there were many priority cases.
I asked how we would be paid out if we would be eligible to any refund and was informed that we would receive a cheque as this is the usual proceedure. I also asked if the FSCS would restructure our loan account or would all money be refunded direct to us to sort this out ourselves. He informed me that any funds would be made to us and FSCS would not be responsible for re structuring loan accounts now being held by target.
I don't think you need to worry Looks like its in hand. However it is interesting to know how they will work the refund out as there should be interest etc and it seems like they will be leaving it to us to decide if we want to use it to reduce the loan repayments. Looks good though!!!X
Will log on this evening am going out in a bit.;)

Hi Beaniebabe thats really good newsabout the cheques coming to us. Thats a lot of good info from them how come when I ring I get the usual speel and a not so helpful person on the other end of the phone. I think when I need to ring again can I ask you to do it lol It will be interseting to find out how they work the refund out, also if we get anything for all the hassle, stress and financial difficulty we have suffered. Are you planning to pay your refund off your loan? i am very tempted to sod off abroad somewhere and not come back lol;)

beaniebabe

dialysis wrote: »

Hi Beaniebabe thats really good newsabout the cheques coming to us. Thats a lot of good info from them how come when I ring I get the usual speel and a not so helpful person on the other end of the phone. I think when I need to ring again can I ask you to do it lol It will be interseting to find out how they work the refund out, also if we get anything for all the hassle, stress and financial difficulty we have suffered. Are you planning to pay your refund off your loan? i am very tempted to sod off abroad somewhere and not come back lol;)

I am very tempted to jet off somewhere nice and hot !! but have got to be realistic although its hard!!! I am not building my hopes up on a massive amount but whatever we get I have got to use some of the money to get myself straight, sort a couple of things out on the car and hopfully there might be enough left for a small treat. (A bar of chocolate or can of lager! Lol!!)
Regarding the information I think it is pot luck who you get. I have also got little info from them at times. I also try not to beleive everything they say as you just never know. However the man I spoke to seemed very genuine and left me on hold whilst he looked into my claim. X:D

busbyh

dialysis wrote: »

Hi Beaniebabe thats really good newsabout the cheques coming to us. Thats a lot of good info from them how come when I ring I get the usual speel and a not so helpful person on the other end of the phone. I think when I need to ring again can I ask you to do it lol It will be interseting to find out how they work the refund out, also if we get anything for all the hassle, stress and financial difficulty we have suffered. Are you planning to pay your refund off your loan? i am very tempted to sod off abroad somewhere and not come back lol;)

Hi beaniebabe and dialysis. Hope this news makes you feel better about this sorry mess. At least now you know the cheque will be paid to you and you have the choice of what to do with it
The going abroad bit sounds good;)
xx

gumbi

beaniebabe wrote: »

I am very tempted to jet off somewhere nice and hot !! but have got to be realistic although its hard!!! I am not building my hopes up on a massive amount but whatever we get I have got to use some of the money to get myself straight, sort a couple of things out on the car and hopfully there might be enough left for a small treat. (A bar of chocolate or can of lager! Lol!!)
Regarding the information I think it is pot luck who you get. I have also got little info from them at times. I also try not to beleive everything they say as you just never know. However the man I spoke to seemed very genuine and left me on hold whilst he looked into my claim. X:D

Good news about the cheque being sent to us....I hoped this was the case as the FSCS wouldn't want to get involved in loan restructing, but it's great to here it from the horses mouth..:D

Portofino_2

Hi

Looking for some advice. I submitted my SAR to HBOS last week. I am looking for info re a loan that was paid off in 2005. No account no but gave them my address and old address.

They have now returned the cheque saying that they were unable to trace any customer accounts from the info provided.

Any advice about what to do next?

Thanks!

marshallka

Portofino wrote: »

Hi

Looking for some advice. I submitted my SAR to HBOS last week. I am looking for info re a loan that was paid off in 2005. No account no but gave them my address and old address.

They have now returned the cheque saying that they were unable to trace any customer accounts from the info provided.

Any advice about what to do next?

Thanks!

Could you find anything out from Experian perhaps? You can do the free trial and cancel after one month so you don't get charged.