PPI Claim Royal Bank of Scotland

Gametime

I have been pursuing a claim against Royal Bank of Scotland for miss selling PPI on a morgage I took out in November 1999. They have now directed me to the representative of Allied Dunbar who sold me the policy. Allied Dunbar were taken over by Zuric in 1998. Is this right, will Allied Dunbar still be liable or is Zuric or RBS still liable. what can I do if teh advice I am being given by Royal Bank of Scotland is wrong

dunstonh

hey have now directed me to the representative of Allied Dunbar who sold me the policy. Allied Dunbar were taken over by Zuric in 1998. Is this right, will Allied Dunbar still be liable or is Zuric or RBS still liable.

There is nothing wrong with having PPI. You are not complaining against the product. You are complaining against the advice you were given (although advised case complaints are tiny as its not seen as an advice failure).

It is possible, indeed probable, that neither Zurich or RBS have any liability for the advice you were given in 1999. Most financial advisers only became regulated for insurance in 2005. Zurich (Dunbar) were liable for the sale of Dunbar products. You don't appear to complaining about a dunbar product but an RBS product. So, chances are no-one is liable.

what can I do if teh advice I am being given by Royal Bank of Scotland is wrong

Its not wrong.

You can complain to Zurich but you would expect a knock back as they are not likely to be liable either.

Do you actually have a complaint or is it a hit and hope? Do you have any evidence to support your allegations? Is it an RBS product or a Dunbar product?