RBS= thieving dishonest b'stards

Paul_TT

Found out recently that PPI was added to a mortgage 10 years back that me and my wife had, total confirmed payments were `only` £221.50 but the robbing gits have `offered` us £80 and if we want the full amount we have to go the ombudsman route which can take 2 years so really they know exactly what's gonna happen, for the sake of such a small amount it's hardly worth a 2 year wait, even on principal.

Are people finding this sort of `low offer- take it or wait up to 2 years` deal happening to them on PPI claimback?

dunstonh

Small payments are often not upheld complaints but auto payouts (often referring to them as goodwill gestures).

If the complaint has actually been upheld and is not a goodwill gesture and the amount is wrong then all you need to do is provide them evidence to show them how much was actually paid. It is possible their records dont go back that far and only have a shorter period.

Paul_TT

They have records, they told me over the phone exactly how much, dates, monthly payments etc unfortunately it was from 2004 and we have no records from then- they are basically saying "this is how much you have paid, we are offering you a much smaller amount, if you want the full amount give us proof" but we don't have proof, they do but can't/ won't give it in writing (assuming they want it in writing of course, the proof is in the fact that 3 different people told me the exact same amount over the phone after looking into it...

dunstonh

They are saying they dont have records of the full payment history.

If you dont believe them then pay £10 and do a data subject access request. You have time to do that as they have to respond long before the 6 months you have on the complaint is up.

If the DSAR shows they have the info then you have grounds for a new complaint which would see your £10 refunded and a push for an inconvenience payment of around £200 and apology. If it shows they dont have the info then at least you know they were telling the truth.

I have some doubts about it though. MPPI is monthly direct debit. That is one fo the reasons why most MPPI complaints fail. Standalone, monthly plans are the way they should be set up. These are also administered by the insurance company and not the bank. So, the insurer will have the payment history. So, maybe you could enquire with the insurance company.

There is also the possibility that this is an auto payout due to amount and if you did find out it was a larger amount and it takes them over their floor limit, they may then investigate the complaint and withdraw the goodwill offer. We have seen that happen before. On a loan/credit card PPI, you would statistically expect to win a complaint but on MPPI you would statistically expect to lose the complaint.

[Deleted User]

Paul_TT wrote: »

we don't have proof, they do but can't/ won't give it in writing (assuming they want it in writing of course, the proof is in the fact that 3 different people told me the exact same amount over the phone after looking into it...

Do you have recordings of these 'phone calls in which Bank staff "admit" that the Bank have evidence that you paid more than they are offering? If not, any complaint on that score would be "hearsay".

If I were you, I'd write a Subject Access Request (SAR) letter to the Bank. It will cost you £10.If they do indeed have records of your additional payments these will be released to you and you can take it from there.
If the SAR returns no details, then the Bank clearly no longer have records, hence the low figure offered.

EDIT;
I see Dunstonh suggests similar above.

-taff

You might well have paid 240, but this may have been a lumped together sum of all the elements of MPPI and they are only refunding you part of your MPPI, not all of it.

Paul_TT

Thanks for the input, no we didn't record the phone calls but me and my wife both spoke to seperate people who were happy to give the information over the phone (they gave the start date, the end date, the total number of payments and also the monthly premiums) they are not denying it they are simply not offering us the full amount, they point blank stated that if we want more than their offer we have to go to the ombudsman

[Deleted User]

Paul_TT wrote: »

they are not denying it they are simply not offering us the full amount

On what basis are they "denying you" the full amount? Your statements contradict each other. How can the Bank admit you paid more and then only offer you much less?
There is either much more that you aren't reporting or the Bank are simply saying they no longer have proof that you paid the disputed amount. What EXACTLY do they say in their offer letter?

The only way to be sure of what records they have is to send them a SAR.

Paul_TT

They have told us quite clearly that we paid them a total of £221. They have offered to pay us back £80, they have not stated why the offer is around 1/3 of what we actually paid The bank have told us how much we paid, they have told us what their offer is it is quite transparent- they are simply refusing to pay the full amount unless we go to the ombudsman (probably in the knowledge that we won't bother pursuing such a small amount via that route)

How can the Bank admit you paid more and then only offer you much less?
There is either much more that you aren't reporting or the Bank are simply saying they no longer have proof that you paid the disputed amount.

How can they indeed? That's what I was wondering! I have posted here exactly what we were told (the offer letter did not tell us how much we had actually paid, just how much we were offered, I can scan and post this if it helps) We only found out how much we actually paid on phoning them up to query it. The bank do have proof- it is on the computer screen in front of them while they are talking to us on the phone they are not denying it, the have clearly told us how much we have paid (£221) they have clearly told us how much they are `offering` (£80) they have clearly told us that if we want more than what they have offered then we need to go the ombudsman route.

[Deleted User]

Paul_TT wrote: »

the offer letter did not tell us how much we had actually paid, just how much we were offered,

So the alleged 'phone calls are your only "evidence". If I were you, I'd forget about mentioning these any more as your allegations are "hearsay".


As I keep telling you, a SAR is the only way to be sure what records have been kept. Even if you do go to the Ombudsman, you can't win this without hard evidence.

magpiecottage

If you go to FOS then it is quite possible the decision will be that it was NOT missold (that is what most commonly happens with mortgage PPI).

If so you will get nothing.

Your call.