RBS being difficult?

dazza12

sun73 wrote: »

Incidentally, you don't happen to know who the insurance underwriter was for Natwest loans in 1988, does it say anywhere on your old documents? Many thanks

I have two of the agreements with me (1990 and 1994), they use the generic term 'Insurers' but they don't refer to them by name. I think this was so that they could underwrite as they saw fit (i.e. in house or externally depending on the amount and risk).

I did however get a form from them when I tried to claim on one policy, which was addressed to Natwest Insurance, so it's possible it was underwritten by their own insurance company.

Barclays did the same for their own PPI policies, underwritten by Barclays Insurance in Dublin.

[Deleted User]

sussexbhoy wrote: »

having their records past 6 years would be deemed as justified as it's in the interest of the customers (past and present) in aiding them to make their complaints,

I sincerely doubt the Banks would keep such records purely in the interests of potential PPI complainants!:D

-taff

Honestly you two.

The FSA recommends keeping records for 6 years or as long as necessary. That's the official line.
The unofficial line as we have now seen, is that some companies keep records for more than this amount of time in archives that could not reasonably be accessed, which is all to the good with this particular company, as we now know there is more to be had and for a longer time.

End of.

[Deleted User]

sun73 wrote: »

How might I be on the list for a proactive refund,

I wouldn't worry too much about such throwaway remarks if I were you...;)

stclair

sun73 wrote: »

Thanks stclair. How might I be on the list for a proactive refund, how does that work, which customer would qualify for that? I ask because I haven't submitted a complaint form to NatWest, only a DSAR

The group have been looking a certain accounts that have had PPI applied to them and sent them letters asking them sign a form if they agree to the amount being offered customer have not even had to do anything the group have approached them directly.

Christ know what the criteria is though. However I know of two personal friends who have recently received such letter offering them a refund of previous PPI paid without them even asking.

[Deleted User]

stclair wrote: »

Christ know what the criteria is though.

They are required to write to those who may have been affected by an identified general fault with a sales process or even a particular staff member. However, those invited to complain are not assured of their concerns being upheld.
It's also thought that Banks may be doing this simply to activate a time-bar against possible future complaints.

dazza12

sun73 wrote: »

Thanks stclair. How might I be on the list for a proactive refund, how does that work, which customer would qualify for that? I ask because I haven't submitted a complaint form to NatWest, only a DSAR

Your best bet is not to wait for them to contact you. It appears some people will not be written to. Not sure what the criteria is, maybe failings have been identified with particular teams or groups of staff.

Once you've had your DSAR supplied and you're sure you've got all the data, it's then time to sit down and work out your own version of events and then decide whether you have grounds for a complaint.

At that point you fill in the complaint form (see Martin's guide for a link). Fill it in to the best of your knowledge, if you don't know answers to some questions it's fine to say you don't know or to leave them blank so long as you're honest.

Any time you send anything to them, send it by a tracked method so you've got proof you sent it. If they need copies of statements, or agreements, send only copies, not originals.

stclair

Moneyineptitude wrote: »

They are required to write to those who may have been affected by an identified general fault with a sales process or even a particular staff member. However, those invited to complain are not assured of their concerns being upheld.
It's also thought that Banks may be doing this simply to activate a time-bar against possible future complaints.

I dont know totally not my area im sorry to say.

IJM

The underwriters listed on my 1988 PPI certificate are "London and Edinburgh Insurance Company Limited" and "London and Edinburgh Life Assurance Company Limited".

[Deleted User]

sun73 wrote: »

it might prompt my recollections about the interview with Natwest in 1988 when I was sold ppi.

1988 was twenty-five years ago!
Do you really expect a successful complaint from so long ago without any original documentation?
Good luck with that....

IJM wrote: »

The crucial difference between your situation, sun73, and mine is that I have all my original documentation which proves that I had the PPI even if RBS/Natwest don't have/can't find the records.