First letter back from lender

stevie_a

Hi all

Firstly let me say sorry as i no doubt this has been asked before...

I am not very good when it comes to this kind of thing ( reclaiming what a should be due )

Ok

I have sent a letter to Santander to receive a letter back asking me to fill out a 7 page Questionnaire.

I remember somewhere seeing not to fill it in but to say to them that i am due the reclame and they have the information, is this correct advice

or am i way off...

can some one guide me please to what to do.

Many many thanks

stevie_a

Sorry should have said the ppi i am claiming for is a Mortgage i had taken out in 1997

and ppi is still running.

dunstonh

I remember somewhere seeing not to fill it in but to say to them that i am due the reclame and they have the information, is this correct advice

No. That is not a good idea. How do they know what your complaint is if you dont give them information.

Sorry should have said the ppi i am claiming for is a Mortgage i had taken out in 1997

Even more so that you supply solid complaint reasons and evidence (where possible) as most MPPI complaints are rejected. If you send nothing you would expect rejection (you should expect rejection anyway with MPPI but even more so with nothing supplied)

societys_child

I remember somewhere seeing not to fill it in but to say to them that i am due the reclame and they have the information, is this correct advice

You're not "due" anything unless you show the policy was somehow mis-sold to you. What are your reasons for complaint?

stevie_a

I now believe that I was mis-sold this policy because I was:

Not informed that taking the PPI policy was optional, Not asked whether I already had sufficient cover in place at the time the policy was sold to me

Insider101

stevie_a wrote: »

I now believe that I was mis-sold this policy because I was:

Not informed that taking the PPI policy was optional, Not asked whether I already had sufficient cover in place at the time the policy was sold to me

There is no requirement to tell you the policy is "optional" (this is a CMC myth). Unless you can show that you were actually provided with information which was misleading in nature then I think your chances are weak. Was there anything misleading? Can you remember how you took it out? Who with? Was it a professional adviser or a member of branch staff? Was it a recommendation or just a sale.

stevie_a

It was all done over the telephone by an abbey national employee,

At the time i was 27 years old first time buyer back in 1997 (still in the same house now)

I was in a good job and to this day always had a job, same with my wife, they said at the time i needed to take ppi.

dunstonh

Not asked whether I already had sufficient cover in place at the time the policy was sold to me

Not really needed on a non-advised basis. Did you actually have sufficient cover (you are often asked to prove it)

Not informed that taking the PPI policy was optional

Not required.

I was in a good job and to this day always had a job, same with my wife, they said at the time i needed to take ppi.

So, that verifies you are eligible.

Looks like you dont really have a strong reason. You may get lucky but that will be what you are relying on.

Insider101

stevie_a wrote: »

It was all done over the telephone by an abbey national employee,

At the time i was 27 years old first time buyer back in 1997 (still in the same house now)

I was in a good job and to this day always had a job, same with my wife, they said at the time i needed to take ppi.

This is really irrelevant. Whatever the job you are in, you can be off on long term sick due to ill health or be made redundant (unless you are a police officer).

Realistically, would you have even contemplated making this "complaint" if it wasn't for PPi being all over the news? Or have you just thought you'll try your luck as everyone else is?