Natwest request for loan info refused....

wavey

Hi,

I loooked through loads of threads on the forum and half have the answer to my question, but would like to make sure.

I decided to look into PPI compensation on a loan started 2005 ended 2008. I sent out 1 of the templates asking for the loan agreement paperwork. I received a letter back from Natwest stating "As the loan has ended we have no obligation to provide the information you request"

From what I've read, it appears that I don't need the loan paperwork but should actually be writing to Natwest to say, "I had a loan, here are the account numbers, dates amounts - I believe I was missold PPI, please look into it and get back to me"?

If this assumption is correct, is there a template for this approach? Also, which department should I send the letter?

Thanks for your time.

dunstonh

I sent out 1 of the templates asking for the loan agreement paperwork. I received a letter back from Natwest stating "As the loan has ended we have no obligation to provide the information you request"

You sent the wrong letter. You sent the one that only applies to debts still in force.

From what I've read, it appears that I don't need the loan paperwork but should actually be writing to Natwest to say, "I had a loan, here are the account numbers, dates amounts - I believe I was missold PPI, please look into it and get back to me"?

Correct. Plus, you need to give your reasons for mis-sale. Having PPI is not a mis-sale reason. It has to have been mis-sold or set up incorrectly.

If this assumption is correct, is there a template for this approach?

dont use a template letter. Personal letters are more successful.

Also, which department should I send the letter?

The complaints address for natwest. It should be on the website.

wavey

Thanks very much for the reply.

It leaves me with one question - how do you know if you are missold PPI or it was set-up incorrectly?

It was 6 years ago and I can't remember anything about the chat/interview I had at NatWest before it was set-up. I was unemployed at the time, which I have seen mentioned as something in favour of a claimant.

Thanks

stclair

Royal Bank of Scotland Group,
5th Floor, Hardman Boulevard,
Manchester
M3 3AQ

Make sure you complete the questionnaire on the website and send it with your letter.

http://www.natwest.com/global/ppi.ashx

wavey

Thanks for the reply, I will do this after Xmas