Possible PPI claim

-taff

Brains64 wrote: »

you've missed the point, we don't know for sure if the OP forgot or not, that's yet to be established for certain, the point is, was he made properly aware in the first place to then forget??

To prove or disprove he was or was not made properly aware requires evidence.
Which is why the tick box is important, or the sales patter on the phone later is important. There'll be pieces of paper with the word 'optional' on there, and a cooling off period also.
You need to able to show that the product was no good to you, or that is was sold in error.
For that, you need evidence.

[Deleted User]

Brains64 wrote: »

we don't know for sure if the OP forgot or not, that's yet to be established for certain, the point is, was he made properly aware in the first place to then forget??, I'm not talking about ticking boxes and then forgetting,

Since the OP claims he doesn't know, then I'd say it's fair to assume he's forgotten. It's a myth fostered by the Claims Companies that PPI was randomly added to accounts without the Knowledge or permission of the customer.
Much PPI was certainly mis-sold, but that doesn't appear to be the case here. The OP doesn't remember taking it, has no evidence of it on his statements and his SAR has drawn a blank too.

Feel free to disagree..:p

dunstonh

we don't know for sure if the OP forgot or not

Quite possibly the OP doesnt know either. Which is why it is such a weak reason.

the point is, was he made properly aware in the first place to then forget??

I had someone last year come back to me querying things we did just three months earlier. I also issued a written report to him confirming it all as well. Once I answered his questions, it jogged his memory but until he had that reminder, he couldnt remember. Now that was just 3 months. Make that 10 years and you have no chance of remembering. In those cases, documentation is King in a complaint.

Brains64

dunstonh wrote: »

Quite possibly the OP doesnt know either. Which is why it is such a weak reason.



I had someone last year come back to me querying things we did just three months earlier. I also issued a written report to him confirming it all as well. Once I answered his questions, it jogged his memory but until he had that reminder, he couldnt remember. Now that was just 3 months. Make that 10 years and you have no chance of remembering. In those cases, documentation is King in a complaint.

Yes, of course people forget things but the PPI scandal is a different ball game all together, the disproportionate amount of "fuzzy memory's" in connection with it is more symptomatic of mass mis-selling than a real common memory issue, many people just like the OP in exactly the same way can't remember because in all probability they were never told properly in the first place like huge amounts of others, PPI was nigh on thrown into the credit cards without people being asked, just maybe some sort of confusing 'opt out' tick box in small print or something, come on, banks have put aside £12.96bn for this, I don't seem them putting such a huge amount aside for other things customers are getting "muddled" about....errrrr.....doesn't that tell you something old chap??:D

[Deleted User]

Brains64 wrote: »

many people just like the OP in exactly the same way can't remember because in all probability they were never told properly in the first place

Except that in this case the OP has definitely forgotten whether he had PPI because it doesn't appear that he had any.

Feel free to disagree...:p

Brains64 wrote: »

PPI was nigh on thrown into the credit cards without people being asked

It's a myth fostered by Complaints Companies that PPI was routinely added without the knowledge or permission of the customer. While there is no doubt PPI was mis-sold to many thousands of people, this wasn't how it was done in the overwhelming majority of cases.

Feel free to disagree...

Brains64

Moneyineptitude wrote: »

Except that in this case the OP has definitely forgotten whether he had PPI because it doesn't appear that he had any.

Feel free to disagree...:p

It's a myth fostered by Complaints Companies that PPI was routinely added without the knowledge or permission of the customer. While there is no doubt PPI was mis-sold to many thousands of people, this wasn't how it was done in the overwhelming majority of cases.

Feel free to disagree...

Why, that's sooo very kind of you to allow little humble moi the honor of disagreeing with you:D, I'll in turn give you the same privileged which I'm sure you'll continue to make the most of, enjoy:beer:

bigbangfan

they dont have to send an original. A reconstituted copy is fine.

So they can send any document that has been tampered with, without my signature on it and I have to accept it. Would these documents stand up in a court of law? Hopefully you are not studying law!!

It would have appeared on every single statement you had with a balance owing so you can't say you didn't know it.
Der.

Someone I know just received a payment of £3,400 without PPI appearing on their statements so DEERRR right back at ya.........!

No, it simply means you've forgotten that you signed for it and then haven't checked the subsequent statements detailing the charges!

As more than half of PPI "complaints" come from people who didn't even have the insurance, it's just as likely that you never had it at all!

Why not just check your statements or simply ask your card provider? It would have saved you £10 for the SAR!

Bless your heart.... I honestly never thought of checking my statements or asking my provider because they are sooooo honest. Could you be more patronising???

I did not forget anything being about sold PPI. If I was sold PPI which I am now sure I was, it did not appear on any of my statements, and I did not know I was sold it.

The only person on here that makes sense is Brains64!!!

Wake up people and smell the coffee. Banks and building societies have been selling things to us for years without us know it. Lets not forget the banks excess bank charges!

Stupid_Question

So they can send any document that has been tampered with, without my signature on it and I have to accept it.

Yes. If they don't have a copy of your original agreement then they are allowed to provide a reconstituted copy that provides the key financial information of the original.

Where is your copy?

Would these documents stand up in a court of law? Hopefully you are not studying law!!

No, the debt cannot be chased in court, they can still collect on it though, much in the way you can still collect on a statute barred debt.

Someone I know just received a payment of £3,400 without PPI appearing on their statements so DEERRR right back at ya.........!

Was this for a loan?

Bless your heart.... I honestly never thought of checking my statements or asking my provider because they are sooooo honest. Could you be more patronising???

They have no reason to lie to you, they have nothing to gain from this. The money is already budgeted for paying redress on PPI complaints, it may be a lot of potential money to you but it's an insignificant amount to them.

lippy1923

bigbangfan wrote: »

Der....... If it turns out that I had PPI and didn't know it, that means it was mis sold. Anyway, I know I wouldn't have needed it because I work for the NHS and would have been paid for sickness.

lol, just seen your response to my post.... Very touchy/defensive for someone who doesn't even have a clue about their own finances. You're not even sure if you had the product! Sort yourself out!

Again, I will ask as you seem to have avoided my question... If it turns out you did have PPI, what proof are you going to have to support you when you claim it has been mis-sold? ...Simply saying you didn't know you had it, is not proof!

Do yourself a favour and ditch the attitude towards everyone. Just because someone says something you don't like (all but one of this thread) doesn't mean they are wrong.

money_maker_2

bigbangfan wrote: »

So they can send any document that has been tampered with, without my signature on it and I have to accept it. Would these documents stand up in a court of law? Hopefully you are not studying law!!

Someone I know just received a payment of £3,400 without PPI appearing on their statements so DEERRR right back at ya.........!



Bless your heart.... I honestly never thought of checking my statements or asking my provider because they are sooooo honest. Could you be more patronising???

I did not forget anything being about sold PPI. If I was sold PPI which I am now sure I was, it did not appear on any of my statements, and I did not know I was sold it.

The only person on here that makes sense is Brains64!!!

Wake up people and smell the coffee. Banks and building societies have been selling things to us for years without us know it. Lets not forget the banks excess bank charges!

Most people are savvy enough to know what their outgoings are and can clearly see what they are paying for each month.

Erm... bank charges are fair and its what you agree to when you sign and take out the account. It's in a little thing called T&C's DEEERRRRR!