Advice on offer?

Brimgirl

Hi, I have recently made a claim to natwest for ppi on a loan taken out between 2003 and 2008. I stated many reasons for the miselling including receiving full pay when off sick as I work in NHS, not aware could take out cheaper policy elsewhere and was informed it would improve the chances of my loan being approved first time and if refused the more times I applied the worse my credit rating would be.

I received a letter a couple of days later asking further detail and my reasons for feeling I was Misold the policy. I sent this back and also added I had a pre-existing medical condition that was not questioned /investigated by the seller at the time. I had a benign lump on my liver which they picked up on a routine pregnancy scan a couple of years Before i took out the ppi. I recall being told it was like a mole and just because its there it doesn't mean it's going to cause a problem. I did in fact have to have major surgery on my liver after the policy had expired as unbeknown to me my pregnancy hormones had kick started it into growing however I didn't know this before I signed up for ppi. I can recall being told it would be ok and signing the medical exemption as having nothing on his advice as it wasn't heart disease, stroke, cancer, diabetes etc but can't recall checking the small print.

I sent this response back to them 2 days ago but today received an offer letter for £6k. This is without them having the response i sent where I declared the above also.

My question is do you think this is likely to change their offer? I never made a claim on the ppi and even though I did not state I had any pre-existing medical conditions could they argue I did and not pay out on their offer.

I'm worrying about it now that i may have shot myself in the foot (although this was the sellers advice which they cant reasonably dispute) because it almost seems too good to be true.
Thanks

-taff

No. You don't get a 'better' offer. If your complaint is upheld, you get your premiums, and associated interest, and 8% interest.

Brimgirl

Hi,
Sorry I may not have made myself clear, it's not that I was hoping for a better offer, I was worried they would withdraw it based on the additional information that I had not previously thought to send.
Thanks

-taff

If they have upheld your complaint, they won't be withdrawing it unless you somehow manage to convince them it was suitable for you.
Don't worry.

RobertoA

Brimgirl wrote: »

Hi,
Sorry I may not have made myself clear, it's not that I was hoping for a better offer, I was worried they would withdraw it based on the additional information that I had not previously thought to send.
Thanks

You don't need to worry about that. They wouldn't withdraw it.