PPI FAQs discussion thread

The_Dog_Handler

I was sold a policy by Abbey National in 1989. I contacted Santander, who have taken over Abbey National, on September 4th, but have yet to receive a reply. Has anyone any idea how long I should wait or what I should do next?.

Thanks

dunstonh

The_Dog_Handler wrote: »

I was sold a policy by Abbey National in 1989. I contacted Santander, who have taken over Abbey National, on September 4th, but have yet to receive a reply. Has anyone any idea how long I should wait or what I should do next?.

Thanks

You should get an acknowledgement inside a week. If you havent had that then phone them up to see if they got the complaint.

-taff

The_Dog_Handler wrote: »

I was sold a policy by Abbey National in 1989. I contacted Santander, who have taken over Abbey National, on September 4th, but have yet to receive a reply. Has anyone any idea how long I should wait or what I should do next?.

Thanks

You should also check you have documents to back up your complaint, because they'll have a hard time finding something from 23 years ago after a change in ownership.

bc99

I complained to Nationwide regarding two loans I had with them, one in 2003 and another in 2005. Both had PPI attached to them. They responded by upholding the PPI complaint for the loan in 2005 but not the one in 2003.
As my circumstances and the way the loan was acquired (over the telephone) were no different it's pretty confusing. They say that 'as a nurse working for the NHS there is no evidence to suggest you were entitled to any employee benefits' which is clearly incorrect. I don't understand how they can uphold one but not the other.
They have offered me £847.01 for the complaint upheld. I am referring my complaint for the 2003 loan to the FOS. Do I decline the offer for the upheld complaint too? All details concerning both loans are in the same letter. Today I received a letter stating that I have until 7th December then the offer will be withdrawn and the file closed.
Any help greatly appreciated.

hollowhead

I sent the template letters to a couple of Banks i had PPI with a couple of weeks ago first class signed for and have heard nothing back. Is this normal? How long should I give them as I don't know when it arrived to give them the 5 day response time.

-taff

if it was signed for, why don't you check on the track and trace post office site to see if it's been delivered?

hollowhead

-taff wrote: »

if it was signed for, why don't you check on the track and trace post office site to see if it's been delivered?

Arrived on the 6th November. Should I have heard from them by now?

-taff

yes. write again. or phone....

CMK76

hi I was sold PPI with a mortgage going back to 2001. I had this mortgage for only 18 months and then re mortgaged to a better deal,if i am getting anything back will it be for the 18 months i paid this mortgage or as it was 'paid off' does this affect my claim?

I was mis sold as i was told ppi was compulsory and my mortgage wouldn't be approved if i did not take it.

Thanks

C

dunstonh

CMK76 wrote: »

hi I was sold PPI with a mortgage going back to 2001. I had this mortgage for only 18 months and then re mortgaged to a better deal,if i am getting anything back will it be for the 18 months i paid this mortgage or as it was 'paid off' does this affect my claim?

I was mis sold as i was told ppi was compulsory and my mortgage wouldn't be approved if i did not take it.

Thanks

C

Your allegation is weak and unprovable and dates to an event over 11 years ago. If you used a mortgage adviser then forget it. If you used a bank you may get lucky as an auto payout due to small value payout. However, most likely outcome will be that no documentation is available.