Ppi claim defended

Tink98

Hi
I have recently tried to reclaim ppi that was sold to me on 2 loans in exactly the same way(I was told the loan application would likely be rejected without taking out ppi).
The outcome has been that one loan was proven to be missold and have received compensation for this but the other has been defended and have received a letter saying they have no reason to believe it was missold?? I wrote exactly the same on each complaint form .

I'm confused into how they have come to the conclusion that one ppi was missold but the other wasn't when they were sold to me in the same way ??

Any advise on why this would be would be greatly received

[Deleted User]

Tink98 wrote: »

I'm confused into how they have come to the conclusion that one ppi was missold but the other wasn't when they were sold to me in the same way ??

By different people at different times under different circumstances.

roonaldo

lack of sales evidence for one sale or they have change their policy of how the sales were conducted. possibly one was a pre-regulation sale.....we could go on and on with reasons why

sun73

Were the two loans with the same bank and were they separate periods or part of a chain?

[Deleted User]

Tink98 wrote: »

I don't understand it then as I thought being pressure and being told the application wouldn't be processed is misselling no matter what the circumstances were .

Your complaint was actually very weak since it was an unprovable allegation.
It's likely therefore that the upheld complaint was an automated success because of the amount involved. I'm guessing that the declined complaint had the greater value?

Tink98

The loans were with the same bank.

If the complaint is weak why would one be proven to be missold but the other not ?? And how do I make it "not weak" if this is what happened to me

Tink98

Moneyineptitude wrote: »

Your complaint was actually very weak since it was an unprovable allegation.
It's likely therefore that the upheld complaint was an automated success because of the amount involved. I'm guessing that the declined complaint had the greater value?

Yes it would have the greater value I think as it was the first loan I took out

[Deleted User]

Tink98 wrote: »

Yes it would have the greater value I think as it was the first loan I took out

Sounds like you were lucky with the successful complaint rather than unlucky with the declined one. As I said, a weak complaint for which you could provide no evidence.

Tink98

But there is no evidence it wasn't if it was a phone call is there? And the fact one has been proven missold with the same amount of evidence sort of suggests they are trying to fob me off surely.

Stupid_Question

Tink98 wrote: »

But there is no evidence it wasn't if it was a phone call is there? And the fact one has been proven missold with the same amount of evidence sort of suggests they are trying to fob me off surely.

What were the reasons for the first loan being rejected?

Tink98

Stupid_Question wrote: »

What were the reasons for the first loan being rejected?

No sufficient evidence , I just don't get it when I supplied the same as the one that they proved to be missold . Surely they must know what sales pitch were being given to customers at this time .