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PPI Reclaiming Discussion Part 5
Comments
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All I was after was confirmation that they had done a search - something they had failed to state.Moneyineptitude wrote: »There is no point "escalating" to the ICO at all if there is only a "belief" or "suspicion" that their SAR request has not been performed correctly. Just because an apparently "weasily" (sic) worded response was received, does not mean that no search has been completed.
I'm actually not surprised the Bank didn't deem it fit to respond to the Op's accusation, given the manner it was made.0 -
All I was after was confirmation that they had done a search - something they had failed to state.
It was the Bank who first suggested that you ask for a SAR, so why on earth would they then falsify it? The original rejection letter already said that there was no longer any record of your finance.
Did you truly expect a SAR to turn up documentation that the Bank had already stated was no longer in existence? It was only ever going to legally confirm what you'd already been told. I'm afraid.
You paid £10 for a service to be provided and then, because you didn't like the negative result presumably, accused them of writing a "weasily" (sic) reply!
As I said, I'm not surprised you received no other response as there really was nothing to add.
Regardless, your "complaint" seems to have been based on the assumption that all mortgage PPI must be somehow mis-sold if its was compulsory. You now know that this was not the case.
Time to put this to bed.0 -
No this isn't quite right. The guy in the bank call centre said that, although the original letter had said they don't have a record of it, there might actually be a record in their offsite storage centre, and he said that they wouldn't have checked there before responding to the original letter. He suggested I make the information request to get them to check it. They then failed to tell me that they had checked it in their letter.
'Did you truly expect a SAR to turn up documentation that the Bank had already stated was no longer in existence? ' - the bank call centre did absolutely expect this, yes.
'You paid £10 for a service to be provided and then, because you didn't like the negative result presumably,' - incorrect - they didn't state they had done a search - this is what I objected to - my reading of the letter was they didn't bother to check - something which their call centre staff said they would do.
'Regardless, your "complaint" seems to have been based on the assumption that all mortgage PPI must be somehow mis-sold if its was compulsory. You now know that this was not the case. ' - incorrect - my assumption was that mortgage PPI was missold if it was stated as compulsory but wasn't. My fiancee believes it was missold but clearly we need to get hold of the documentation to find out for sure - something I'm trying to do.Moneyineptitude wrote: »It was the Bank who first suggested that you ask for a SAR, so why on earth would they then falsify it? The original rejection letter already said that there was no longer any record of your finance.
Did you truly expect a SAR to turn up documentation that the Bank had already stated was no longer in existence? It was only ever going to legally confirm what you'd already been told. I'm afraid.
You paid £10 for a service to be provided and then, because you didn't like the negative result presumably, accused them of writing a "weasily" (sic) reply!
As I said, I'm not surprised you received no other response as there really was nothing to add.
Regardless, your "complaint" seems to have been based on the assumption that all mortgage PPI must be somehow mis-sold if its was compulsory. You now know that this was not the case.
Time to put this to bed.0 -
No. The member of staff would not have "expected" anything. He was just pointing out what option was still available to you. It also got you off the 'phone to him'Did you truly expect a SAR to turn up documentation that the Bank had already stated was no longer in existence? ' - the bank call centre did absolutely expect this, yes.
No, they simply reiterated that there would be no record after 16years. Obviously you chose to believe what an operator told you over the actual result of your SAR request.they didn't state they had done a search
If the Bank know that all records from the period you are requesting are no longer available where would you expect any physical search to be conducted? Did you really expect someone to rifle through dusty drawers just in case your documentation had somehow been missed by their clear out of old paperwork? Remember also that you didn't provide any account details to actually search for.my reading of the letter was they didn't bother to check - something which their call centre staff said they would do.
From the outset your complaint has been severely handicapped by you being unable to provide any account details other than the name and address. You MAY have had more luck if you had been able to provide these details, giving the bank more to go on. You need more than documentation though, you also need a valid complaint. Why do you think sight of the original documents would give you cause for complaint?My fiancee believes it was missold but clearly we need to get hold of the documentation to find out for sure - something I'm trying to do.
Anyway, since you insist on arguing back with me as if I am the "weasel" at the bank, all I can suggest is that you contact the ICO with your concerns. Just don't expect any further advancement of your "complaint" as a result.0 -
I would like to know if I could complain again to my bank for PPI 'cause last time I did, they said no but I know I had PPI on my loans but the 6 months lapsed before I could take it further to Ombudsman. So can I start again to make another
Complaint0 -
I would like to know if I could complain again to my bank for PPI 'cause last time I did, they said no but I know I had PPI on my loans but the 6 months lapsed before I could take it further to Ombudsman. So can I start again to make another
Complaint
You can ask the bank to reopen it but you have lost your right to demand it. If they say no then that is final.
There is nothing wrong with having PPI. The issue is about whether it was sold correctly or not. So, if they say no and you had it, then it would be no for a reason. You cant just complain that you had it as that is not a valid reason for complaint.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Hi there…
I wonder if someone could clarify the rules for me if, say for example, a no win no fees company go through the motions of checking to see if there's any PPI owed to someone, but then not signing their contract, which it says you don't have to & then obviously they wouldn't continue to fulfil their claim on your behalf. Could you then get in touch with the company yourself & put a claim in? Or are you not allowed to do this?
I look forward to & will appreciate any advice that can be given.0 -
A CMC does nothing you can't do yourself, they literally ring up everyone you said you had an account with (and probably everyone else) and ask if you had PPI, without some form of letter of authority signed by you then the bank shouldn't be communicating with them anyway, they're probably just assuming and hoping if they throw enough mud some will stick
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Georga0001 wrote: »Hi there…
I wonder if someone could clarify the rules for me if, say for example, a no win no fees company go through the motions of checking to see if there's any PPI owed to someone, but then not signing their contract, which it says you don't have to & then obviously they wouldn't continue to fulfil their claim on your behalf. Could you then get in touch with the company yourself & put a claim in? Or are you not allowed to do this?
I look forward to & will appreciate any advice that can be given.
Nobody is owed anything. That isn't how it works. A complaint is made giving the reasons and the complaint is assessed. A CMC doesnt decide if you are "owed" money.
If you dont sign the contract with the CMC you are not committed to use them and they cannot demand payment if you later go on to complain yourself and succeed.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Well thank you very much for the extremely fast responses & I'm grateful that you've outlined the position so clearly for me.
All the best0
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