PPI Letter from Natwest Bank

JodeeMcD

I had received a letter from Natwest saying that I may have been mis-sold PPI on 5 different loan accounts dating from 2004-2010.

I wasn't even aware that I had ever taken out PPI??

I am meant to complete a questionnaire but I am struggling as it was so long ago that it is hard to recall the details. I don't have any paperwork (apart from the one dating from 2010 which doesn't mention anything about PPI as far as I can see?)

Would the bank still have all the details even though it was over 6 years ago? I'm guessing they must as they have sent me the account numbers and sort codes. How do I get hold of these? I couldn't even tell you how much each loan was for or for what term.

How do I respond to the letter? As it is relating to 5 different accounts do I have to fill it in 5 times? My circumstances would have been different at the start of each new loan.

I would be really grateful for some help as I am very confused and feeling overwhelmed by all this!

Thank you very much x

dunstonh

I had received a letter from Natwest saying that I may have been mis-sold PPI on 5 different loan accounts dating from 2004-2010.

I doubt you have had a letter saying that. The CCLs are to let you know you had PPI, that there have been issues with some people (giving examples) and invite you to complain if you feel you have been mis-sold.

Would the bank still have all the details even though it was over 6 years ago?

Possibly. Some do, some dont.

I'm guessing they must as they have sent me the account numbers and sort codes. How do I get hold of these?

The awareness of an account that had PPI is not the same as having all the details. If they have sent you the account number and sort code then you have them. You dont need to get hold of them again.

How do I respond to the letter? As it is relating to 5 different accounts do I have to fill it in 5 times? My circumstances would have been different at the start of each new loan.

if you feel you have reason for complaint then you state as much giving your reasons. If you feel you have no reason for complaint then you do nothing.

What would be your reasons for complaint?

JodeeMcD

Thank you (I think) for that somewhat patronising reply.

You can doubt it all you want but the exact wording of my letter reads...

"Depending on the circumstances of your case you may have been mis-sold your PPI policy and may have suffered a material financial loss. If our review concludes that a mis-sale occured, you could be entitled to a refund of some or all of the PPI costs in relation to the policies associated with the loans set out at the end of this letter."

I wasn't asking how to get hold of the account numbers and sort codes as clearly I already have these, I was asking how to get hold of all the details relating to these accounts, such as was there PPI included in the loans and how much was I paying.

I think I said at the beginning of my email that I wasn't even aware that I have ever taken out PPI. Is that not a reason to complain??

I have no idea how to respond to this, should I just reply and say that I don't think I've ever had PPI. I have no idea if I have been charged for it or not because I don't have any paperwork.

There is no mention of PPI in any of the paperwork for my 2010 loan (this is the only one I do have paperwork for) and yet they have included this account in their letter. Does this mean I am maybe paying for it to this day without knowing I have it??

-taff

Unfortunately, despite what claims companies would have you believe, you were originally not unaware you had it, as you signed for it. You have just forgotten if you did.

In 2010 you would have been paying a monthyl premium for PPI so you would defnitely know if you were, it would be coming out as a separate monthly direct debit.

If you want to see if you were, you send a SAR and £10. You can ask over the phone about the current one.


The fact that they've included these suggests that you were paying it.


And Dunston probably missed the bit about 'may'