Santander :(

[Deleted User]

iBoudica wrote: »

So, is the consensus here that LOANS ARRANGED VIA THE INTERNET CAN NEVER HAVE HAD PPI MIS-SOLD ON THEM BECAUSE PEOPLE KNEW WHAT THEY WERE BUYING? Perhaps you should inform the banks of this loophole.

The only exceptions are those who applied with pre-populated boxes selecting PPI which applicants were required to actively un-tick. Customers in such circumstances are deemed to be mis-sold if they complain they didn't want the insurance and failed to notice the box was automatically ticked.
There is no "loophole", PPI bought on the internet (or through the mail) without any input from bank staff is not (mis)sold, it can only have been (mis)bought. It doesn't matter if the customer didn't know what they were buying, no one actually advised them!

iBoudica wrote: »

Every case of people having their PPI repaid that I’ve heard of was for loans arranged via the internet.

You should have investigated the type complaint they actually made to the bank. If their complaints were upheld, it will only have been in the circumstances I detail above.

iBoudica wrote: »

I am not the fraud here, my loan with Cahoot was fixed at 6% interest, Santander took over and the interest was immediately increased to 15/5% - I queried it at the time but was told there was nothing I could do.

This is irrelevant to a mis-selling complaint.

iBoudica wrote: »

I have been paying for PPI which, due to a medical condition, I would not have been able to claim had I become unemployed and unable to repay my loan.

Again, this is irrelevant because no one sold you this (unsuitable) insurance

iBoudica wrote: »

I won’t be back; I thought this forum was for support of people mistreated by the banks not for finger pointing and point scoring.

You won't be back because you don't have a valid complaint, I'm afraid, and clearly don't want to hear the blunt truth.
Even your "re-worded" complaint would have been rejected because you obviously still fail to understand the difference between buying something of your own volition (which you did) and somebody mis-selling to you by giving false information or withholding relevant details.

dunstonh

“I was employed at the time but was not informed that any change to this could invalidate sections of the policy during its life. I was not informed of any intended charges or informed or warned of their effects on the policy.

When you buy direct/online, it is your responsibility to read the documentation.

I have had a previous illness and other medical conditions but was not asked about my medical history. I was not warned that previous conditions would be excluded.

Unless it is a significant illness or one that continues, past conditions rarely matter.

I was led to believe that taking out a policy was a pre-condition of applying for a loan.

But it is an online application. So, who led you to believe this?

I was not offered a clear choice of the loan with and the loan without insurance.

yes you were. However, seeing as you didnt know you even bought it online and have already recorded your complaint on that basis, you lack credibility when you argue points like that.

I was not given an illustration showing the repayments with and without insurance until after I signed for the insurance.

So, why did you not cancel it when you go it then? That is what the cancellation rights period is for.

So, is the consensus here that LOANS ARRANGED VIA THE INTERNET CAN NEVER HAVE HAD PPI MIS-SOLD ON THEM BECAUSE PEOPLE KNEW WHAT THEY WERE BUYING? Perhaps you should inform the banks of this loophole.

it is not a loophole. It is a fact of life. You get less consumer protection if you buy direct/online than if you do under an advised process or face to face. You chose to bypass the staff and buy online.

However, you can still be mis-sold with online applications. Pre-ticking boxes happened with some in the past and that is not liked. As is the case with tick to not have it. However, allegations of someone telling you things when no individual was involved make easy rejections.

I am not the fraud here

So, your complaint is a true reflection of what happened then?

I won’t be back; I thought this forum was for support of people mistreated by the banks not for finger pointing and point scoring.

It is not a forum to wrap you up in cotton wool and agree with everything you say. It will tell it how it is and give you reasons why. If you remove the emotional attachment you have to it and read the replies again, you will see things more clearly. There is a lot of consumer fraud going on with PPI complaints. There are a lot of mistaken complaints being made too. There are a lot of genuine complaints as well. No-one comes out of the PPI issue smelling of roses. It is a mess.

Best thing for you to do is put yourself in the shoes of the complaint handler. Read your complaint again and look at the facts again. Your allegations are easily refuted and do not match reality. How would you rule if a complaint like yours came in? When you look at it from that side of things, you should understand it more.

iBoudica

dunstonh wrote: »

Unless it is a significant illness or one that continues, past conditions rarely matter.

I have multiple sclerosis, I did at the time and am severely disabled although I work full time and do not claim benefits.

I didn't expect to be wrapped in cotton wool and can see from the more helpful replies that I have made serious misjudgments (although as it is such an old loan, I cannot remember if the boxes were pre ticked) on what I thought (from reading the experiences of other people on here) was a genuine claim.

dunstonh

iBoudica wrote: »

I have multiple sclerosis, I did at the time and am severely disabled although I work full time and do not claim benefits.

I didn't expect to be wrapped in cotton wool and can see from the more helpful replies that I have made serious misjudgments (although as it is such an old loan, I cannot remember if the boxes were pre ticked) on what I thought (from reading the experiences of other people on here) was a genuine claim.

You should have stated that you had MS in your complaint. If you read your complaint again, the medical conditions line doesnt give any indication that you have an ongoing illness that existed at point of application. It is more a statement than a complaint reason.

You may wish to go back to Santander on that point.

[Deleted User]

iBoudica wrote: »

I have multiple sclerosis, I did at the time and am severely disabled although I work full time and do not claim benefits.

As I said above, you bought this insurance, obviously without checking the exclusions. This is not in itself mis-selling. I do think you should have mentioned your condition in your original complaint, however.

You are clearly taking exception to being told you made a fraudulent claim, but I'm afraid you did exactly that by sending the same template letter to each lender regardless of the circumstance.

Having had success using the template with other lenders you obviously thought the letter was a "one size fits all" tool for every type of complaint. Template letters are helpful for those who might lack the literacy or confidence to write their own account of the sale of the PPI. As you found out, however, they should be used sparingly and carefully re-worded where circumstances do not apply.

roonaldo

iBoudica wrote: »

I have multiple sclerosis, I did at the time and am severely disabled although I work full time and do not claim benefits.

I didn't expect to be wrapped in cotton wool and can see from the more helpful replies that I have made serious misjudgments (although as it is such an old loan, I cannot remember if the boxes were pre ticked) on what I thought (from reading the experiences of other people on here) was a genuine claim.

your previous posts were just full of made up stuff you have read on other posts. this is actually related to you, use this as your complaint reason.