Advice regarding Natwest claim PPI

[Deleted User]

Hi,

I wonder if any one can help me. My husband took out a loan at natwest for £15000 in september 2004 at the time when he took the loan they did not explain any thing about the loan protection. They never even gave any information about it. They just added it to the loan. They did not even tell us it was optional. Also with in a year of taking the loan my husband was planning on going self employed. He never told them this as they never asked. We now see that self empoled is not covered under the payment protection. Do we have a case would we be able to claim back ppi on this loan. has any one had any sucess with natwest and claiming back PPI. Also I have the template letter for claiming Back PPI and have wriitten out a letter. I Know the basic details about the loan, I have two piece of papper which are exactly the same which shows the loan amount, the amout for loan protection and the interest rate. And it has the bank details and my husbands details and mine printed but no signitures. These are the only pieces of paper work they gave my husband when he took out the loan. Is this enough info to make a claim or does my husband need to request more details befor making a claim. Also for natwest where should my husband send the letter to claim back PPI. Should he send it to branch where he took out loand or to natwest head office. If any one has the address that would be great. One other thing I don't know if this is the right place to put this but. When my husband took out the loan he went on his own to bank and took it in his name only. I was suppried earlier this week when for the first time in 5 years we recieved a statement for the loan and it was in both names. I have checked the only paper work that they gave my husband when he took the loan and my name is printed on that. But I never agreed any thing to do with this loan and never signed any paper work to do with this loan can they go and put your name on a loan and make you responisble for it if you never agreed or signed any thing. We have a joint current account with natwest and I can only assume they got my details from that.

any advice would be much appreciated

thanks in advance

di3004

[Deleted User] wrote:

Hi,

I wonder if any one can help me. My husband took out a loan at natwest for £15000 in september 2004 at the time when he took the loan they did not explain any thing about the loan protection. They never even gave any information about it. They just added it to the loan. They did not even tell us it was optional. Also with in a year of taking the loan my husband was planning on going self employed. He never told them this as they never asked. We now see that self empoled is not covered under the payment protection. Do we have a case would we be able to claim back ppi on this loan. has any one had any sucess with natwest and claiming back PPI. Also I have the template letter for claiming Back PPI and have wriitten out a letter. I Know the basic details about the loan, I have two piece of papper which are exactly the same which shows the loan amount, the amout for loan protection and the interest rate. And it has the bank details and my husbands details and mine printed but no signitures. These are the only pieces of paper work they gave my husband when he took out the loan. Is this enough info to make a claim or does my husband need to request more details befor making a claim. Also for natwest where should my husband send the letter to claim back PPI. One other thing I don't know if this is the right place to put this but. When my husband took out the loan he went on his own to bank and took it in his name only. I was suppried earlier this week when for the first time in 5 years we recieved a statement for the loan and it was in both names. I have checked the only paper work that they gave my husband when he took the loan and my name is printed on that. But I never agreed any thing to do with this loan and never signed any paper work to do with this loan can they go and put your name on a loan and make you responisble for it if you never agreed or signed any thing. We have a joint current account with natwest and I can only assume they got my details from that.

any advice would be much appreciated

thanks in advance

Hi there.;)

I think this is a good case here, with what you have posted so go for it.

There are many on here who have dealings with these and I'm sure someone who have been going through a complaint with them will post up with some useful info for you as well.

Also when you get the chance, check through the threads.

For more information with guidelines of reclaiming, here is a link below to help you through this, but if you require further help, please just ask, good luck.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance


Good luck.;)

Harriets_Mum

Hi,

I would definatly go for it! IU found that Natwest delt with our claim quite well in the end. But as Di says follow the steps on this website and you cant go wrong! We have just recieved and accepted the following offers

Loan 1 : £164.00
Loan 2 : £306.00
Loan 3 : £236.00
Loan 4 : £1593.51!!!
Loan 5 : £2473.88!!!
Loan 6 : £164.00
Loan 7 : 586.00
Loan 8 : 753.00

And they were all claimed by using the template letters from this website and addresses listed on this site! I definatly go for it you have nothing to loose!

Jannine:money:

[Deleted User]

Thanks for responding to my thread. Does any one Know where to send letter to. Do I send to the branch where took out loan or to natwest head office I think the address of there head office is
5th Floor
280 Bishopsgate
London
EC2M 4RB

is this correct. Also who should I address the letters to whose name should I put on envelope. I just want to make sure I send to the right place and to the right person or people..

I clicked on link that di3004 you posted and read all the information which was very useful. but there was no mention any where as to where to send letter

so any help would be great thanks

di3004

Hi there

There is this one here as well, hopefully someone who are dealing with Natwest will clarify on this good luck.;)

Natwest
Registered Office
135 Bishopsgate
LONDON
EC2M 3UR


Send by recorded delivery as well, for your proof of posting, this way you can check the delivery of this on the Royal Mail Website, you click on personal customers and you can then check on the tracking of your letter.
Natwest will pass your letter on to the correct department for you anyway.;)

Hope this helps.

[Deleted User]

thanks for your help ill let you know how I get on if any one else has any advice that would be great

di3004

[Deleted User] wrote:

thanks for your help ill let you know how I get on if any one else has any advice that would be great

Good luck to you, there is always someone here to help you through this, every step of the way.;)

[Deleted User]

Hi Its me again guys I need more help. I recieved the following letter from natwest today.

Dear Mr xxxxxxxx,
[FONT=&quot]Your Payment Protection [/FONT][FONT=&quot]I[/FONT][FONT=&quot]nsurance po[/FONT][FONT=&quot]l[/FONT][FONT=&quot]icy [/FONT][FONT=&quot]wi[/FONT][FONT=&quot]th NatWes[/FONT][FONT=&quot]t [/FONT]

Thank you for letting us know about the concerns you have with your Payment protection insurance policy. I am sorry to learn that you are unhappy and can assure you that Your comments are being taken very seriously.


We do not hold the original letter of authority signed by you. We need this to ensure that we only disclose your details to who you have authorised us to.

You may still recieve correspondence from your product provider but this will not affect the investigation in any way. Please contact them directly if you have any queries specifically in relation to your policy.

A leaflet, 'What Happens when I make a complaint' is inclosed for your information. This explains the procedures we follow and gives an indication as to when you will hear from us with an update. When we have all the information available and the investigation is complete, we will contact you with our full response.

We Understand that you may wish to discuss matters in relation to your complaint during the course of the investigation. The case officer handling your complaint is Ben Ryan, who will be happy to deal with any questions that you may have

yours Sincerely

Zohora Kanji
Administrator



What does this letter mean what should I do know. Are they investigating should I just wait. What do they mean by we do not hold the origonal letter of authority signed by you. The letter I send to them to complain was origonal and my husband did sign it. They actually returned the letter we sent to them that is signed with this letter and it was stamped showing they had recieved it. Do i need to send them some thing else.

Any advice would be much appreciated thanks in advance

di3004

[Deleted User] wrote:

Hi Its me again guys I need more help. I recieved the following letter from natwest today.

Dear Mr Ceccarelli,
[FONT=&quot]Your Payment Protection [/FONT][FONT=&quot]I[/FONT][FONT=&quot]nsurance po[/FONT][FONT=&quot]l[/FONT][FONT=&quot]icy [/FONT][FONT=&quot]wi[/FONT][FONT=&quot]th NatWes[/FONT][FONT=&quot]t [/FONT]

Thank you for letting us know about the concerns you have with your Payment protection insurance policy. I am sorry to learn that you are unhappy and can assure you that Your comments are being taken very seriously.


We do not hold the original letter of authority signed by you. We need this to ensure that we only disclose your details to who you have authorised us to.

You may still recieve correspondence from your product provider but this will not affect the investigation in any way. Please contact them directly if you have any queries specifically in relation to your policy.

A leaflet, 'What Happens when I make a complaint' is inclosed for your information. This explains the procedures we follow and gives an indication as to when you will hear from us with an update. When we have all the information available and the investigation is complete, we will contact you with our full response.

We Understand that you may wish to discuss matters in relation to your complaint during the course of the investigation. The case officer handling your complaint is Ben Ryan, who will be happy to deal with any questions that you may have

yours Sincerely

Zohora Kanji
Administrator



What does this letter mean what should I do know. Are they investigating should I just wait. What do they mean by we do not hold the origonal letter of authority signed by you. The letter I send to them to complain was origonal and my husband did sign it. They actually returned the letter we sent to them that is signed with this letter and it was stamped showing they had recieved it. Do i need to send them some thing else.

Any advice would be much appreciated thanks in advance

Hi there

They have not actually made it clear to you as such if they are actually going to continue to investigate, apart from the part where they have stated where this will not affect their investigations in any way.

I would personally ring them and ask them what exactly are they doing, ask if they are investigating this or not, or did they require further information from you first in order to do so?

And yet they do state that they will contact you when the investigations are complete!

A bit mis leading to read, as if they are saying they are investigating, but require some info sort of thing.

It is up to you, maybe contact the guy Ben and see what he has to say about this, just to be on the safe side.;)

Good luck, let us know if you can. Cheers.

Don_Berry

di3004 wrote: »

Hi there

There is this one here as well, hopefully someone who are dealing with Natwest will clarify on this good luck.;)

Natwest
Registered Office
135 Bishopsgate
LONDON
EC2M 3UR


Send by recorded delivery as well, for your proof of posting, this way you can check the delivery of this on the Royal Mail Website, you click on personal customers and you can then check on the tracking of your letter.
Natwest will pass your letter on to the correct department for you anyway.;)

Hope this helps.

As I have commented on my previous thread, my initial Natwest contact address was
Natwest
37 Broadstreet
Bristol
BS997BR
I sent recorded delivery, they lost ot so as Di says it is imperative that you keep receipt from Post Office.

The actual people I am dealing with now (maybe it is an area thing) is
RBS Customer Concerns Team
Regulatory Risk
5th Floor
1 Hardman Boulevard
Manchester
M3 3AQ

Dont forget, you will get mail from other Natwest people from other address's it gets difficult to focus on who and what you are dealing with

Another address I have dealt with is
Customer Relations
Natwest
Freepost
NAT12685
London
WD6 1BR

If you have to deal with London , good luck, they really are not nice people!

Reading this I think I may have muddied the water for you but wherever you send mail KEEP RECEIPTS OF RECORDED MAIL

Don_Berry

di3004 wrote: »

Hi there

They have not actually made it clear to you as such if they are actually going to continue to investigate, apart from the part where they have stated where this will not affect their investigations in any way.

I would personally ring them and ask them what exactly are they doing, ask if they are investigating this or not, or did they require further information from you first in order to do so?

And yet they do state that they will contact you when the investigations are complete!

A bit mis leading to read, as if they are saying they are investigating, but require some info sort of thing.

It is up to you, maybe contact the guy Ben and see what he has to say about this, just to be on the safe side.;)

Good luck, let us know if you can. Cheers.

For me it has been impossible to get in touch with Ben Ryan, he is apparently the manager, I received an almost identical letter except they saying they could not accept my signature