PPI Reclaiming Discussion Part 5

-taff

The FOS is for disputing decisions, a SAR is for checking what information a company have left.
A SAR won't help a disputed decision, and the bank have already checked it's records in order to ffer you the redress.

[Deleted User]

mw1 wrote: »

My main query is on MINT (from RBS) and offer of 44pence (as refund of premiums paid for approx 3 years - 1999 to 2002). Should I request details (including statements) via a SAR or refer to FOS as they look to get this signed off as acceptance of their offer.

If 44p is all the Bank have records of you paying then that's all you will receive even if you refer your case to the Ombudsman. Remember or realise that credit card PPI is only paid on accounts which have an outstanding balance, so if you generally paid your credit card bill during the interest free period you will have paid little or no PPI.

The time for sending a SAR is PRIOR to complaint, not after.

Expect any SAR to provide only PPI relevant information the Bank have already informed you of.

Paulmincer

Hi,

Apologies if there's already another thread on this, but I wondered if anyone has had the same experience as me with M&S? In the late 90s / early 2000s, I tried on a few occasions to cancel my PPI with M&S, only to be told that it was a condition of having their Chargecard. I don't have any records of exactly when I called them, but I definitely did speak to them over the phone about this, but M&S conveniently don't have any records of this as it's too far back so neither they nor the Ombudsman have upheld my claim for a refund.

I can't believe I'm the only person this happened to, so if anyone has any experience of this please let me know.

Thanks.

princess23

Hi
Has anybody had any dealings with the above.Purchased a R.R. Evoque in 2013 and looking at the paperwork invoice it has a couple of things im wondering if they are a hidden PPI charge. First one is a Vehicle Protection Programme cost and secondly a Retail Price Protection cost together totalling £1100.00. Any help would be greatly appreciated.

dunstonh

Has anybody had any dealings with the above.Purchased a R.R. Evoque in 2013 and looking at the paperwork invoice it has a couple of things im wondering if they are a hidden PPI charge.

1 - PPI cannot be hidden.
2 - It was 2013.

princess23

Thank you DunstonH i just read that PPI could be mentioned as coverage, protection or insurance and I am unsure what these amounts are for. Please also explain 2013?

[Deleted User]

princess23 wrote: »

Please also explain 2013?

2013 is far too recent to have been sold PPI, so basically you don't have it and are wasting your time looking for it..

It's a myth that PPI was somehow "hidden".

Lilbobz

HSBC have upheld my complaint for credit card PPI. I had the card until 2012 but they are only refunding the PPI up to 2006. They said that's when the PPI stopped.

I find that odd, because if they wrote to me in 2006 to tell me the PPI was stopping then surely they could argue now that I knew about it at that time (my complaint is based around not knowing I had it)?

I phoned them and they have told me that the PPI was stopped for all cards in 2006, not just mine. But in their letter to me they enclosed a page showing the PPI premium rates which goes right up to the present date.

I'd be surprised if the PPI wasn't still going in 2012. Is it possible they are just trying to lowball me with their offer in the hope I'll accept?

Thanks for any help/advice.

[Deleted User]

Lilbobz wrote: »

I'd be surprised if the PPI wasn't still going in 2012

HSBC no longer retailed PPI in 2012, stopping some years earlier, I'm afraid.

Why would they lie to you when even a simple Google search will provide such detail?

https://www.hsbc.co.uk/1/2/contact-and-support/feedback-and-complaints/payment-protection-insurance

HSBC wrote:

"HSBC stopped selling Payment Protection Insurance in its branches in December 2007 and throughout the rest of its business during 2008"

dunstonh

I find that odd, because if they wrote to me in 2006 to tell me the PPI was stopping then surely they could argue now that I knew about it at that time (my complaint is based around not knowing I had it)?

PPI has a specific time bar requirement. So, they cant use that as a trigger