would someone be so kind as to advise me please

Candyboo

Hi there,

Thanks for reading!

Today ive recieved the following letters:
1 from Black Horse regarding 3 claims (lets call them A,B and C)
asking would i fill out a questionnaire which only contained B's agreement number and is 6 sheets long .
My question is why do I need to do with again when I first raised a claim I sent them the questionaire. The one they have sent bak is asking questions like how much savings did I have at the time etc ·
I originally sent them the following:
Individual FOS questionnaire for each agreement
· Any correspondence between Chartered Trust/Black Horse and myself.
· Bank Statement showing PPI being taking out of my bank
· Their PPI policy terms and conditions.


Also a letter from Royal Bank of Scotland asking for more information as I do not have the policy number. They have asked Please provide us with more information to locate the policy. Appropiate information can include policy numbers, amount, start dates, end dates, copies of statements, and other supporting documentation......
Grr on my intitial email (yes along with the FOS questionaire and a covering letter I supplied the following, 2 bank statements showing the amounts and dates, credit report showing start date, end date and amount....what more do they want blood!


Sorry im just having a rant as it seems they seem keen to send anything back!


Candyboo:)

amersall

Hi there,when you filled the original questionnaires in,did you have the account numbers for these loans?.

Some do ask for a questionnaire to be filled in again.

What reasons did you give for mis sell?.

Bank statements and credit reports are not proof of ppi,they only show that a loan was taken out and what you paid back.

You need to do a SAR if you do not have the agreement numbers,ppi policy number is not needed as
the loan number will suffice.

Candyboo

when you filled the original questionnaires in,did you have the account numbers for these loans? For the black horse I do and sent all 3 FOS with their individual agreement numbers and photocopies of the agreements but for the RBS Royscot card I havent


Some do ask for a questionnaire to be filled in again. Ah brilliant thats good to know at least its not just mine! They want to know exactly what the sickness pay was at my employee at the time but I cannot remember for the life of me the exact but 3 months full and 3 months half rings a bell. The employer whom I was with for 9 years has recently gone iinto Administrationso I cannot contact them to check.

What reasons did you give for mis sell?Black Horse - The reasons I gave was that as it was a telephone application no medical/employent sickness questions were asked. Also I was not told the PPI was optional and that I could buy these elseswhere. The agent didnt consider if I actually needed the PPI and it wasnt fully explained.
RBS Roscot Style Credit Card - I never realised I actaually had PPI when I first got a loan with RBS they insisted I take it out which I a 0 balance on it for its duration but I never knew I had PPI attached until ive looked back on my bank statements and credit history a few weeks ago


Bank statements and credit reports are not proof of ppi,they only show that a loan was taken out and what you paid back. I thought this was the case thank you for clarifing it

You need to do a SAR if you do not have the agreement numbers,ppi policy number is not needed as
the loan number will suffice.I do not have any details on this PPI policy except a bank statement. Ah I really do not think Ill be able to get anywhere with the Royscot Claim as all I have bank statements and credit report and the start date on the credit card is 30/07/1998

What do you think I should put for sickness pay? Be honest and put what I think? Has anyone had to actually provide proof?

Thanks for taking the time to read and advise

amersall

Candyboo wrote: »

when you filled the original questionnaires in,did you have the account numbers for these loans? For the black horse I do and sent all 3 FOS with their individual agreement numbers and photocopies of the agreements but for the RBS Royscot card I havent


Some do ask for a questionnaire to be filled in again. Ah brilliant thats good to know at least its not just mine! They want to know exactly what the sickness pay was at my employee at the time but I cannot remember for the life of me the exact but 3 months full and 3 months half rings a bell. The employer whom I was with for 9 years has recently gone iinto Administrationso I cannot contact them to check.

put what you said here and tell them you cannot provide proof as the company went into liquidation 9 years ago.

What reasons did you give for mis sell?Black Horse - The reasons I gave was that as it was a telephone application no medical/employent sickness questions were asked. Also I was not told the PPI was optional and that I could buy these elseswhere. The agent didnt consider if I actually needed the PPI and it wasnt fully explained.
They dont have to tell you that you can get it elsewhere,optional is good,and not being explained is good.

RBS Roscot Style Credit Card - I never realised I actaually had PPI when I first got a loan with RBS they insisted I take it out which I a 0 balance on it for its durationAre you saying you had this at a zero balance yet you paid ppi? but I never knew I had PPI attached until ive looked back on my bank statements and credit history a few weeks ago





Bank statements and credit reports are not proof of ppi,they only show that a loan was taken out and what you paid back. I thought this was the case thank you for clarifing it

You need to do a SAR if you do not have the agreement numbers,ppi policy number is not needed as
the loan number will suffice.I do not have any details on this PPI policy except a bank statement. Ah I really do not think Ill be able to get anywhere with the Royscot Claim as all I have bank statements and credit report and the start date on the credit card is 30/07/1998Would be worth trying a SAR for this.

What do you think I should put for sickness pay? Be honest and put what I think? Has anyone had to actually provide proof?

Thanks for taking the time to read and advise

The Black horse loan,when you write back to them,ask them,to listen to the recording when you took the loan out,to prove that the ppi was not sold to you in the right way.

Candyboo

Originally Posted by Candyboo
when you filled the original questionnaires in,did you have the account numbers for these loans? For the black horse I do and sent all 3 FOS with their individual agreement numbers and photocopies of the agreements but for the RBS Royscot card I havent


Some do ask for a questionnaire to be filled in again. Ah brilliant thats good to know at least its not just mine! They want to know exactly what the sickness pay was at my employee at the time but I cannot remember for the life of me the exact but 3 months full and 3 months half rings a bell. The employer whom I was with for 9 years has recently gone iinto Administrationso I cannot contact them to check.

Put what you said here,and tell them the company went into administration and you cannot provide proof of this

What reasons did you give for mis sell?Black Horse - The reasons I gave was that as it was a telephone application no medical/employent sickness questions were asked. Also I was not told the PPI was optional and that I could buy these elseswhere. The agent didnt consider if I actually needed the PPI and it wasnt fully explained.
They dont have to tell you that you can get it elsewhere,optional is good,and not being explained is good.

RBS Roscot Style Credit Card - I never realised I actaually had PPI when I first got a loan with RBS they insisted I take it out which I a 0 balance on it for its durationAre you saying you had this at a zero balance yet you paid ppi? but I never knew I had PPI attached until ive looked back on my bank statements and credit history a few weeks ago Yes the balance was 0 as I never used it at all

Do you have the account number for this? No I dont have any of the original paperwork or any account numbers


Bank statements and credit reports are not proof of ppi,they only show that a loan was taken out and what you paid back. I thought this was the case thank you for clarifing it

You need to do a SAR if you do not have the agreement numbers,ppi policy number is not needed as
the loan number will suffice.I do not have any details on this PPI policy except a bank statement. Ah I really do not think Ill be able to get anywhere with the Royscot Claim as all I have bank statements and credit report and the start date on the credit card is 30/07/1998Would be worth trying a SAR for this. I will apply for a SAR as they have said on the bottom of the letter that I have the option of requestings a SAR - but do I need any account numbers?

What do you think I should put for sickness pay? Be honest and put what I think? Has anyone had to actually provide proof?

Thanks for taking the time to read and advise
The Black horse loan,when you write back to them,tell them,you would like a copy of the recording when you took the loan out,to prove that the ppi was not sold to you in the right way. I will do thank You

amersall

Yes the balance was 0 as I never used it at all

And they still charged you ppi?????,can you prove you had a zero balance? you say you have the statements,does this show the payment as ppi and the account it was paid to?.

wait for the SAR to come back,you only need to put info about you,dob address etc,they will find all accounts that they have/had on you.
I am glad to help you.
Look at the statements and see if there is an account number for this payment to the zero balance.

amersall

Did you pay the rbs by DD? your bank may be able to help with your dd list,may be worth asking.

Candyboo

It shows the payment and to Royscot. Will they even sent a SAR when the account is closed?
Thanks again now doubt ill be on him mithering again soon!

amersall

They have to comply with a SAR request.
If you need anymore help just ask.

Stick to this thread and dont post on the other one you did x.

Candyboo

I suppose its worth a try I'll post a sars tomorrow. Ill keep you updated

paintpotter

I filled in one of these black horse questionaires last week. I had previously complained by phone. I know what you mean, by them wanting blood....:mad:

Candyboo wrote: »

Hi there,

Thanks for reading!

Today ive recieved the following letters:
1 from Black Horse regarding 3 claims (lets call them A,B and C)
asking would i fill out a questionnaire which only contained B's agreement number and is 6 sheets long .
My question is why do I need to do with again when I first raised a claim I sent them the questionaire. The one they have sent bak is asking questions like how much savings did I have at the time etc ·
I originally sent them the following:
Individual FOS questionnaire for each agreement
· Any correspondence between Chartered Trust/Black Horse and myself.
· Bank Statement showing PPI being taking out of my bank
· Their PPI policy terms and conditions.


Also a letter from Royal Bank of Scotland asking for more information as I do not have the policy number. They have asked Please provide us with more information to locate the policy. Appropiate information can include policy numbers, amount, start dates, end dates, copies of statements, and other supporting documentation......
Grr on my intitial email (yes along with the FOS questionaire and a covering letter I supplied the following, 2 bank statements showing the amounts and dates, credit report showing start date, end date and amount....what more do they want blood!


Sorry im just having a rant as it seems they seem keen to send anything back!


Candyboo:)