HELP please, Santander say I cant claim..?ombudsman?

now_a_mum&skint

I looked out my paperwork for my 1999 loan of £5000 over 60 months with Abbey National and yes, it clearly states my monthly payment which included PPI of £19.14 per month. I contacted Santander today and explained that I was told my loan was more likely to be approved if it had PPI against it (MIS-SOLD due to false information) Very rude,obnoxious customer relations girl told me that any claim I attempt make will be rejected as it is now 'time-barred', yet my claim dating back to 2001 with my bank was successful... who is right? surely the Ombudsman will be able to gain details of Abbeyloans if Santander cant, and seeing as the member of staff was very rude to me today I wonder if I should just contact and forward the paperwork straight to Ombudsman...HELP? my other claim with a bank was so straightforward, I will never deal with Santander again after my current loan (no PPI) is paid off..... any info/experiences I would appreciate hearing....customer relations indeed! ppffft!:mad::mad::(:(

now_a_mum&skint

PS, Ive only got the agreement, acceptance letter and letter which enclosed the cheque. I really dont want to forward all my bank statements but I dont mind sending a few blanked out ones if I can locate them..not sure if I kept my pre-2000 statements or not showing only the monthly payments...will go check! hassel hassel....this must be why people approach companies to do this for them!!!!

-taff

Companies make you do the work and charge you for it.

Make a complaint to santander, then see what they say. You can't go to the ombudsman until you've had a full and final rejection letter from Santander.
They may not have paperwork from 13 years ago, so be prepared to photocopy what statements you have.

SueMaggie

The Financial Services Authority rules say that a bank can reject a complaint about PPI mis-selling (or indeed about any other issue) if the complaint is made more than 6 years after the event complained about (i.e. the PPI sale) or (if later) more than 3 years after the customer became aware (or reasonably should have become aware) of the problem they're complaining about.

I think this is probably why customer relations are telling you to get lost.

However, much depends on the bit about you becoming aware of the issue (as above) so it's worth ringing the FOS and talking to them about it.

Their phone number is at the bottom of this page http://www.financial-ombudsman.org.uk/contact/PPI.html#2

now_a_mum&skint

Thankyou, I am gathering everything I have to copy and send, preparing a letter and will ask the FOS for some impartial advice on this claim before I finish this letter, Im open to all advice and experiences, particularly successful santander/abbey PPI claims anyone has had, wish Id known a few years ago that the PPI sales information and advice given was incorrect, however I will pursue this claim as far as possible now that Mr Lewis has helped us become aware. Many and continued thanks folks.xxx

miduck

now_a_mum&skint wrote: »

I contacted Santander today and explained that I was told my loan was more likely to be approved if it had PPI against it (MIS-SOLD due to false information)

Do you have any proof of this?

dunstonh

Whilst the complaint itself is very weak (an unprovable allegation), I don't think Santander's attempt at a timebar would be viewed with success by the FOS. Timebars will come into play and some providers are putting the required letters out at the moment which allow the timebar clock to start ticking.

Have you actually made a complaint and had the formal response or was this just a response from a clerk?

now_a_mum&skint

miduck wrote: »

Do you have any proof of this?

I only know I what I was told and will make a truthful statement, I do recall the conversation and knowing what I know now, I was definately mis-sold. Also wasnt given any PPI policy documentation or policy number, it was attached to the loan and sold as 'coming with the loan' for your convenience and peace of mind, I was younger and alot more naive.... and I assure you I was misled.

now_a_mum&skint

miduck wrote: »

Do you have any proof of this?

Im really hoping Abbey national recorded their calls 'for monitoring and training purposes' as i've definately got some proof in that case.

now_a_mum&skint

dunstonh wrote: »

Whilst the complaint itself is very weak (an unprovable allegation), I don't think Santander's attempt at a timebar would be viewed with success by the FOS. Timebars will come into play and some providers are putting the required letters out at the moment which allow the timebar clock to start ticking.

Have you actually made a complaint and had the formal response or was this just a response from a clerk?

The claim may be 'weak' but it is the truth without going into the full details of what was said on a public forum. This was todays call to customer services after I dug out the paperwork (which I wasnt sure if i still had) to confirm the PPI. The first call I made, the clerk was very pleasant and gave me the address to send my complaint and paperwork to. I called a second time to clarify the address and enquire as to an email address to allow me to scan and forward my documents as my printer has run out of ink to photocopy documents. The second girl was very rude, 'bolshy' and told me that she didnt understand why I had been advised to forward the documents as I was definately timebarred. I explained that i was surprised to hear this after having success with a previous PPI claim around the same time, she said I was wasting my time, I asked for her name and initially she refused, she gave me her first name but refused to give me her surname and said she was the only girl with that christian name in customer services, and that she wasnt obliged to give me any further information, or her surname.

roonaldo

now_a_mum&skint wrote: »

Im really hoping Abbey national recorded their calls 'for monitoring and training purposes' as i've definately got some proof in that case.

From 13 years ago, no chance!