PPI dilemma

Amy542

Hi morning all, this might sound very silly so I apologise in advance if people think I've lost it.
I recently discovered that I had a PPI with Bank of Scotland credit card dating back to 2007. I contacted them and they did not even want to discuss it asked me if I wanted to complain and sent me the paperwork. I spent a couple of hours completing the documentation sent it off and voila 3 or 4 weeks later I receive a reply. The upshot was that although I had it I had never paid anything and so am entitled to no compensation. I guess on one level that makes sense but my qualm is that a/ I had no recollection of purchasing it b/ it was my financial savvy which stopped me using it (not their policies) c/ I had to spend all this time and effort just to cancel the policy and d/ is it not immoral and unethical to behave like this with people.
I'd really welcome views on whether I just say fine and leave it at that or take it further.
Thanks

societys_child

Compensation?
As you didn't pay any ppi, how much do you think you're entitled to, and for what?

I'm at a loss to think what you could "take further".

meer53

If you've not paid it, why would you expect a refund ? For filling in a form and posting it, i'd say you are due a fiver at the most.

[Deleted User]

meer53 wrote: »

i'd say you are due a fiver at the most.

Why would the OP be due anything, let alone a "fiver"?

McKneff

Are you saying you actually want compensation for the time you used up talking to someone and filling the form in ?

Amy542

What's an OP?
It's a shame that you choose to insult someone online. Perhaps it feels safe as it's anonymous? I explained that it was an unusual request and I never chose to take out the PPI.

societys_child

op = original poster (can also mean original post)

If you could show the policy was mis-sold and the bank agreed, they would refund the ppi paid plus interest.
As you paid no ppi, the redress would be zero + zero interest = ?

Having a ppi policy is not automatically wrong, not reading what you're signing and not reading the documentation supplied at the time are very weak reasons for mis-sale.

Hi morning all, this might sound very silly so I apologise in advance if people think I've lost it.

To be honest . . .

dunstonh

The upshot was that although I had it I had never paid anything and so am entitled to no compensation.

Pretty logical outcome. Zero paid. Zero refund.

Asking for a refund of something you never paid is just a complete waste of time, energy and money for all concerned.