PPI Reclaiming Discussion Part 5

SwiftY

Moneyineptitude wrote: »

She was hardly mis-sold if she was eligible while your father was not.

Do you have positive proof that your father was passed over in favour of your Mother?



If your Mother was eligible (not a student, unemployed or self employed) then she wasn't mis-sold on the basis that the Bank agreed a loan (&PPI) to her rather than your retired father.

Do you have positive proof that your father was passed over in favour of your Mother?


I'm afraid the Bank will definitely be able to show that there was sufficient information about the PPI not being compulsory both online generally and during the application process. I also don't see any way you can claim you were not aware of the PPI while at the same time stating that you thought it wasn't optional?

Do you have positive proof that "nothing was given or shown that PPI was optional and therefore was added onto the loans without us being aware."?


Frankly, with the reasons you have given, I'm surprised you haven't been served with a rejection.

Are they asking for the same evidence I have asked for in this post?

What else can I say here? It was added on when the loan was taken out meaning we weren't informed about PPI at all, wasn't aware that it was optional and this places it in the class of being mis-sold, correct?

There was NO mention of PPI being optional, no where on the paperwork and not mentioned in person just that to take out the loan my Father was not allowed to take out the loan as he could not get PPI so this again places it under mis-sold from what people are saying here? Basically being told it was compulsory.

I frankly see your reply as being quite rude, all I'm trying to do here is get some information on a situation I don't understand completely.

They are using delay tactics, as stated above as they do not ask for specific information just that they need more.

gramochroi

SwiftY wrote: »

What else can I say here? It was added on when the loan was taken out meaning we weren't informed about PPI at all, wasn't aware that it was optional and this places it in the class of being mis-sold, correct?

There was NO mention of PPI being optional, no where on the paperwork and not mentioned in person just that to take out the loan my Father was not allowed to take out the loan as he could not get PPI so this again places it under mis-sold from what people are saying here? Basically being told it was compulsory.

I frankly see your reply as being quite rude, all I'm trying to do here is get some information on a situation I don't understand completely.

They are using delay tactics, as stated above as they do not ask for specific information just that they need more.

I think Money is just pointing out to you how your claim will look from the bank's point of view. I would see it as the bank are giving me a chance to explain properly why I thought the insurance was missold.

Again I would say to you, if the insurance was added to the loan at the start and didn't show as a separate amount on each monthly statement, it was front loaded and this is the reason you should give for mis sale.

[Deleted User]

SwiftY wrote: »

I frankly see your reply as being quite rude

Well, I was quite frank with you too.:p

gramochroi wrote: »

I think Money is just pointing out to you how your claim will look from the bank's point of view.

Exactly.
What is the point in me just agreeing with the OP's weak complaint only for it to be subsequently rejected by the bank?

SwiftY wrote: »

my Father was not allowed to take out the loan as he could not get PPI so this again places it under mis-sold from what people are saying here?

As I've already said, your father not being allowed to take a PPI policy is not mis-selling if he wasn't eligible. Equally, your Mother wasn't forced to take the loan with PPI so how was it "compulsory"?
It might be different if you could prove these allegations, but they are simply "hearsay" if you can provide no proof.

gramochroi wrote: »

Again I would say to you, if the insurance was added to the loan at the start and didn't show as a separate amount on each monthly statement, it was front loaded and this is the reason you should give for mis sale.

Yes, the OP needs to be looking elsewhere for valid and verifiable complaint reasons.

I do wonder at the Bank replying to his complaint allowing further responses. Most complaints are either upheld or rejected. It's FOS who are the arbiter here, though they'll want proof of the Op's accusations too.

[Deleted User]

SwiftY wrote: »

There was NO mention of PPI being optional, no where on the paperwork and not mentioned in person

But earlier you said it was the online applications which weren't optional:

Both of these loans were applied for online, nothing was given or shown that PPI was optional and therefore was added onto the loans without us being aware

Online applications don't involve paperwork or advisors, that's why they are regarded as "non-advised" sales.
I can assure you (again) that the Bank will have solid evidence to show that their online application did say the PPI was optional.

Perhaps, if you hadn't accused me of being "rude", I might point out that a more likely complaint about an online application might be that the option to choose PPI was pre-ticked and had to be actively deselected?

L_555

Hi there- this might be a silly question, but back in 2000 when I took out my first mortgage, my FA advised me that I needed a self assurance policy to cover it in the event anything happens to me. I got this through Scots Provident and 12 years on, despite having moved I am still paying this- as it is from a separate provider, I'm not sure if it is classed as PPI.
I'm afraid I no longer have the business details of the FA who set up the policy and the mortgage for me.

gramochroi

gramochroi wrote: »

Hi, just a quick question. Does anybody know how long MBNA say they keep records or credit card statements for? Many thanks in advance.

Anybody any ideas. Want to send a letter of asking them to reconsider a rejection with additional from my ex and this information would be very useful. Thanks a lot.

bigela

Hi I wrote of to rbs bank about my credit card ppi we were unaware that we have been paying ppi on it until a letter came through the post of our yearly statement we have been paying it for over 20 years I think 2002 until present. I told them to cancel it as we have other insurance to cover reduncey And sickness the letter was sent od 22/06/2012 we got a reply a week later saying they have up to 8 weeks we haven't heard anything since then does any one know how many years we will get back it's still running they haven't stopped it yet

bigela

I also had ppi on my capital one credit card I rang up and she told me that I don't have it on now but it was on it since 2003 she couldn't tell me when it stopped but give me an address to write too which I did asking them for my money back the wrote to me a week later saying that they have 10/12 weeks to decide has anyone else been through this. Many Thanx bigela

[Deleted User]

gramochroi wrote: »

Anybody any ideas. Want to send a letter of asking them to reconsider a rejection with additional from my ex and this information would be very useful. Thanks a lot.

It's very hit-and-miss with Banking records. Although things are improving (!!!) only a short while ago Banks often had material in their archives which should have been destroyed and lacked details of finance they should have stored.
Write to them regardless.

taxi24

dont know if im posting in right forum, i have a cc with littlewoods,who i beleive is part of barclays,on the 16th march i wrote to them asking for my t&c,i received letter back from them dated 30th,saying the are dealing with my request,still not received t&c,the next time i wrote to barclays was on the 2nd of july,to make a complaint of miselling ppi,i have a few cards with barclays,so i put down all accounts,got i letter back on the 11th of july,to say they are dealing with complaint,i then received another 3 letters all with different references on the 24th of july,saying the sent out letters on the 11th of july with fos questionaires for me to fill in ,did not receive these,i phoned barclays about this,i gave him these references and he told me what cc,these were for,i was told that one of the references i gave him was not for me,so i put that one to the side,the nent day i received another one or two letters,saying the same thing,wrote to you on the 11th of july with fos questionaire to be filled[never received these one either],different references on these ones,so i phoned barclays again,to say i had not received any fos questionaires,told me they would send them out,i said to the fellow on the phone,what had happened the day or so before,about me getting wrong letter,he asked me for reference number,low and behold this one did belong to me,said he would send out fos questionaire,this was for littlewoods cc,next letter from barclays was 9th of august ,not upholding my complaint,saying to me the have considered all evidence,[what evidence,i did not send them any/],and they will not enter into further correspondence,and i could write to th fos,what the next step for me.sorry again if i have posted in wrong place,i am hopless with computers