H

SarahET

Nnnnnnnnnn

DevCoder

You didn't notice PPI for 12 years?

dunstonh

To be honest it just looks massively shady. It looks as though the PPI BOX was ticked after I had signed?

Quite possibly was. However, that does not indicate any wrong doing.

I am positive that I did not agree to PPI, I never do, I haven't had it on any other financial product ever, I take no legal cover on any insurance policies, basically I'm not an idiot lol!

With respect, you paid it for 12 years. Over 140 monthly statements showing it. That does not support what you said above.

I have had the card for 12 years, but I have been an unemployed stay at home mother for over ten of those, so obviously PPI is of zero use to me,

That doesnt make it a mis-sale as that applies to point of sale. Not later events.

Should I bother writing back to the bank?

if you have new evidence to support your allegations then yes.

Or just go straight to the FSO?

You may as well go straight to the FOS. However, you need to focus on your complaint reasons as they are very weak. You seem to be alleging something you cannot prove and something that is quite normal to see and not wrong.

Argh, I'm so cross, they are so shady!

Doesnt appear to be anything shady based on what you have said.

Catherine_Johnson_2

I'd also be a bit careful about accusing companies (or anyone for that matter) of forgery, especially as you're publishing the accusation in a public forum. Simply sticking a question mark after it wont help I'm afraid. Sally Bercow tried something similar with her 'innocent face' and it cost her thousands.

meer53

Paying it for 12 years sort of implies that you've been happy with it. Why suddenly decide that it was missold ?

_Andy_

For those that wondered, the OP was:

HELP! I made a PPI claim against the coop bank around 4 weeks ago, they sent me a refusal and their evidence that I had been correctly sold the product.

This evidence was a very corrupted photocopy which says that I ticked the box, filled in my name and signed on a credit agreement. However, the copy is so bad that you cannot read any of the actual print. My signature is so faint that it is only just legible, and my details, which are incomplete, (it just has my name scribbled on, no date of birth or address) have been written by someone else!!!!

A member of bank staff has ticked the PPI box and put my name in!

To be honest it just looks massively shady. It looks as though the PPI BOX was ticked after I had signed?

I am positive that I did not agree to PPI, I never do, I haven't had it on any other financial product ever, I take no legal cover on any insurance policies, basically I'm not an idiot lol!

I have had the card for 12 years, but I have been an unemployed stay at home mother for over ten of those, so obviously PPI is of zero use to me, and had i signed up for it (which i didn't) i would have cancelled it, and since the bank deals with all of our accounts, and my husband had a mortgage with them, 11 years ago, that fact was disclosed to them on numerous occasions.

All that aside, I know that I did not tick that box or right my name, or agree to PPI! Should I bother writing back to the bank? Or just go straight to the FSO? It is obvious that it's not my writing, because the same person with the same pen, has crossed out a big section of the form with N/A, obviously it was a bank employee.

Argh, I'm so cross, they are so shady!

[Deleted User]

_Andy_ wrote: »

For those that wondered, the OP was:

It's been re-posted over on the success and failures thread;
https://forums.moneysavingexpert.com/discussion/comment/61467021#Comment_61467021

The threadstarter obviously didn't like the answers she received here.

amersall

The Op most likely loved the answer I gave then