Time to throw in the towel ?

ICan'tStandIt

The account concerned is a very old Natwest credit card that goes back to the late 1990s / early 2000s.

I've managed to trace the account number, but Natwest / RBS just say I've never had PPI and unless I can produce a statement which shows a PPI premium (which I can't) then they can't go any further.

They suggested I did a Data Subject Access Request, which I did, but they said they couldn't produce any of the old statements.

I've not had a 'final response' letter, so should I ask for one or is there something else I should do first ?

I could just give up of course as I appreciate it is a very old account.

dunstonh

If you cant show you paid any and they cant show you paid any then its game over. And thats before you actually give mis-sale reasons as well.

ICan'tStandIt

You are probably right, but I will ask for a FDL anyway as, if nothing else, it will waste a bit more of their time

dunstonh

I've not had a 'final response' letter, so should I ask for one or is there something else I should do first ?

Have you actually made a complaint? A DSAR doesnt start a complaint.

societys_child

ICan'tStandIt wrote: »

You are probably right, but I will ask for a FDL anyway as, if nothing else, it will waste a bit more of their time

Yeah . .. and all the people with legitimate complaints who wait months and months because the system is clogged up with people wanting to "waste their time" . . the claim handlers couldn't care. they're getting paid anyway.
Then of course there's all the dodgy claims that are thrown into mix on a daily basis.

roonaldo

They have no records + You have no records = Game over.

I assume you want a final response letter to take it to FOS, but what do you expect FOS to do when there's no records?

ICan'tStandIt

dunstonh wrote: »

Have you actually made a complaint? A DSAR doesnt start a complaint.

I've made my complaint, but Natwest wanted me to do a DSAR as part of it.

A complaint has been logged.

societys_child wrote: »

Yeah . .. and all the people with legitimate complaints who wait months and months because the system is clogged up with people wanting to "waste their time" . . the claim handlers couldn't care. they're getting paid anyway.
Then of course there's all the dodgy claims that are thrown into mix on a daily basis.

I see my complaint as legitimate.

roonaldo wrote: »

They have no records + You have no records = Game over.

I assume you want a final response letter to take it to FOS, but what do you expect FOS to do when there's no records?

I don't plan on going to the FOS, but Natwest have to issue their final decision on the matter.

[Deleted User]

ICan'tStandIt wrote: »

Natwest / RBS just say I've never had PPI and unless I can produce a statement which shows a PPI premium (which I can't) then they can't go any further.

This seems like a very final response to me.
You do realise that, even if you could provide evidence of PPI, it wouldn't automatically mean you were mis-sold?

Why exactly do you want to "waste their time"? Don't you think others with genuine complaints deserve to not be delayed further by your fruitless activities?

roonaldo

ICan'tStandIt wrote: »

I don't plan on going to the FOS, but Natwest have to issue their final decision on the matter.

no they dont, if there is no trace of a policy you are not even an eligible complainant.

ICan'tStandIt

Moneyineptitude wrote: »

This seems like a very final response to me.
You do realise that, even if you could provide evidence of PPI, it wouldn't automatically mean you were mis-sold?

Why exactly do you want to "waste their time"? Don't you think others with genuine complaints deserve to not be delayed further by your fruitless activities?

It's not a final response unless the letter is headed 'Final Response' / 'Final Decision' or similar wording is included in the correspondence.

I take it you have worked in a complaints department ? You seem such an expert in how they work, so I'm assuming you must have.

Natwest have wasted plenty of my time with me having to jump through their hoops with the DSAR etc, so I'm just returning the favour.

roonaldo wrote: »

no they dont, if there is no trace of a policy you are not even an eligible complainant.

Maybe you worked in the same complaints department as 'Moneyineptitude' ?

-taff

Actually, they don't usually say it's a final response, they include an ombudsman leaflet and tell you you can go there if you disagree with them.