PPI Reclaiming Discussion part 4

garyUK_2

di3004 wrote: »

Hi Gary

I would move on to the Financial ombudsman service (FOS) now, with your reasons I believe you have a good case, even if this was sold online, at the end of the day the FOS will see it as worthless to you, so you have been out of pocket due to this, go for it Gary.

You can contact the FOS to arrange for them to post you a complaints form, or download and print one off on their website here:

Remember to enclose copies of correspondence with the complaints form, good luck.;)

Di

Hi,
Thanks for the reply. I guess my problem at the moment is when I sent in my letter to egg I thought it was a phone conversation and not online, therefore, should I write to them one more time and change my reasons to single premium, pre-ticked box, and I was only working part-time work. Should I also say in the letter to them that I thought it was online and not phone, hence my previous reasons, or just miss all that out?

Busbyh - I worked at Asda while at Uni. I'll send them an email, thanks.

di3004

garyUK wrote: »

Hi,
Thanks for the reply. I guess my problem at the moment is when I sent in my letter to egg I thought it was a phone conversation and not online, therefore, should I write to them one more time and change my reasons to single premium, pre-ticked box, and I was only working part-time work. Should I also say in the letter to them that I thought it was online and not phone, hence my previous reasons, or just miss all that out?

Busbyh - I worked at Asda while at Uni. I'll send them an email, thanks.

It may be useful Gary for you to request a Subject Access Request (SAR), they have 40 days to comply, and they should send everything as requested on the SAR letter template, this should include any telephone call recordings if any and/or transcripts of the calls and what they were about.

However you could just write a quick letter to ask if they are able to provide any telephone calls recordings for free through the post.

Going back to the SAR request, there is a charge of £10 postal order or cheque payment, here is the link below for the template on this:
http://forums.moneysavingexpert.com/showthread.html?t=1475553

As always best to post by recorded delivery, you can if you want to write to them one more time just in case, give them 14 days.;)

Portofino_2

Hi - HBOS is trying to extend the time that they take to respond to my complaint re a mis-sold single premium. Am I correct in thinking that they have to respond to my complaint within 40 days or is that just the SAR?

Thanks!

pinknico

They have 8 weeks to respond to your complaint.

Portofino_2

Great, thanks!

scrumcious

Hi guys ill try to be quick basically my husband has ppi on mint card i wrote to them in march 09 telling them it had been misold no reply wrote again in june after the 8 weeks no reply sent 3rd letter in july after the four weeks no reply again so wrote to fos to make complaint received letter saying they were looking into it, received letter from rbs today saying due to the significant passage of time (the card had been issued in january 2003) the time has passed and is basically out of time . We are only in the 6th year and if they had replied in march 09 with my first letter the time would not have passed basically guy's is this a fob off from rbs and can i still continue with the complaint.They are saying if we were unhappy with the policy and believed it to have been misold at the outset, it is reasonable to expect that we would have raised concerns before now. any advice would be gratefully appreciated. thank you all.

garyUK_2

scrumcious wrote: »

Hi guys ill try to be quick basically my husband has ppi on mint card i wrote to them in march 09 telling them it had been misold no reply wrote again in june after the 8 weeks no reply sent 3rd letter in july after the four weeks no reply again so wrote to fos to make complaint received letter saying they were looking into it, received letter from rbs today saying due to the significant passage of time (the card had been issued in january 2003) the time has passed and is basically out of time . We are only in the 6th year and if they had replied in march 09 with my first letter the time would not have passed basically guy's is this a fob off from rbs and can i still continue with the complaint.They are saying if we were unhappy with the policy and believed it to have been misold at the outset, it is reasonable to expect that we would have raised concerns before now. any advice would be gratefully appreciated. thank you all.

Did you send all your letters by recorded mail?
If not, they probably just denied receiving it even if they got it.

I think since it's been in the media recently, people are only now realising that they've been mis-sold and can actually do something about it.

di3004

scrumcious wrote: »

Hi guys ill try to be quick basically my husband has ppi on mint card i wrote to them in march 09 telling them it had been misold no reply wrote again in june after the 8 weeks no reply sent 3rd letter in july after the four weeks no reply again so wrote to fos to make complaint received letter saying they were looking into it, received letter from rbs today saying due to the significant passage of time (the card had been issued in january 2003) the time has passed and is basically out of time . We are only in the 6th year and if they had replied in march 09 with my first letter the time would not have passed basically guy's is this a fob off from rbs and can i still continue with the complaint.They are saying if we were unhappy with the policy and believed it to have been misold at the outset, it is reasonable to expect that we would have raised concerns before now. any advice would be gratefully appreciated. thank you all.

Hi there and do not worry about rushing lol....:D.

I think that may be a fob off, contact the FOS and I'm sure RBS were covered by GISC prior to the FSA in Jan 2005, as them being a bank, the FOS will check this out for you on the telephone.
The fOS are able to look at complaints that are regulated by these regulators, but still in my opinion I think they are trying it on.
FOS contact here:
http://www.financial-ombudsman.org.uk/contact/index.html

Good luck X

PS, also just to say that I was successful via credit card ppi sold by lloyds tsb on a purchase in 2001, and some have been successful on even earlier years.

scrumcious

Thanks Di rbs want extenuating circumstances that prevented us from advising of our concerns before now, they want to consider the reasons prior to referral to the FOS. they state in the bank's view they think the ombudsman may not be able to consider our complaint in view of the time that has elapsed since we became aware that we had cause for complaint. thanks again di

di3004

scrumcious wrote: »

Thanks Di rbs want extenuating circumstances that prevented us from advising of our concerns before now, they want to consider the reasons prior to referral to the FOS. they state in the bank's view they think the ombudsman may not be able to consider our complaint in view of the time that has elapsed since we became aware that we had cause for complaint. thanks again di

I would let the FOS answer that one hun....;), I think you will be okay.
All the best with this, please do keep us posted. Cheers and your welcome.X