Arnold Clark PPI

[Deleted User]

daylon wrote: »

I just called up the Ombudsman for advice and they will investigate it.

Expect the process to take as long as eighteen months, but know that your complaint is very weak...

daylon

Moneyineptitude wrote: »

Expect the process to take as long as eighteen months, but know that your complaint is very weak...

Hmmm, I sent a complaint to MBNA this year quoting the same reasons as above for PPI on a credit card and I got a cheque for over £1500 a few weeks later.
The complaint didn't seem very weak to them :beer:. It could be that your statement above is very weak.

I only asked advice on this because it was through a car dealer.
Have you had any experience in dealing with car dealers with regard to PPI per chance OR are you employed within and are trying to dissuade people.

I think we need to be told. Come clean now.;)

[Deleted User]

daylon wrote: »

Hmmm, I sent a complaint to MBNA this year quoting the same reasons as above for PPI on a credit card and I got a cheque for over £1500 a few weeks later.

Most complaints of that nature are rejected unless the lender finds another fault as part of their investigation. What MBNA paid out on likely had little to do with what you actually complained about. Either that, or you got lucky with an auto payout.
Accusing me of working in the industry is unwise when my entire posting history on this forum clearly shows otherwise...

Your complaint remains very weak and a FOS referral will take around eighteen months to confirm that.

dunstonh

Hmmm, I sent a complaint to MBNA this year quoting the same reasons as above for PPI on a credit card and I got a cheque for over £1500 a few weeks later.

That sounds like an auto payout. Small value complaints like that settled in weeks rather than months tend to be auto payouts without investigation. i.e. getting lucky. The cost of the FOS fee and cost of investigating is typically a couple of thousand. So, its cheaper to pay out than argue.

The complaint reason given is a weaker one. It may succeed but when you look at the various complaint reasons, it is not one with a high success rate.

picky123

[QUOTE=daylon;
I only asked advice on this because it was through a car dealer.
Have you had any experience in dealing with car dealers with regard to PPI per chance OR are you employed within and are trying to dissuade people.

[/QUOTE]

Generally it appears that as dealers were not regulated until 2005, the finance houses all took the opportunity to make their paperwork water tight, compared to banks who had been regulated for many many years. I am surprised that AC say that they were unadvised sales, as I thought all dealers made advised sales.
Lets just say I have some professional experience in this area.