Get a life

dinkypo

Get a life

Nasqueron

"The usual easy way to make sure you get PPI back is to say that the loan advisor stated at the time that is was mandatory to take out PPI in order to get the loan. They cannot prove otherwise. Obviously if you applied online, this is a little more difficult."

The burden of proof is on the accuser not the accused, YOU have to prove this happened, not them proving it didn't.

Making hearsay complaints is silly and should not be relied upon to get a payout - people may have got an auto-payout or some other failing resulted in a payout but you will not win a PPI complaint purely on the claim that an advisor told you something.

meer53

The usual easy way to get back PPI is to tell the truth about how it was sold. That is IF you feel it was missold in the first place.

Your advice about using CMC's is the same as posted many times on this forum. It's not a good idea to personally offer help for things like this, what will you do when someones complaint is rejected and you've advised them what to put on the questionnaire ? Very risky. Bad idea.

dunstonh

The usual easy way to make sure you get PPI back is to say that the loan advisor stated at the time that is was mandatory to take out PPI in order to get the loan. They cannot prove otherwise. Obviously if you applied online, this is a little more difficult.

Telling the truth is the best. Not making things up. So many complaints result in a scenario where the complaints handler or the FOS have to decide which side is most credible. The one caught telling lies loses credibility.

Also, most complaints with unprovable allegations rarely get upheld on that particular point (they may get upheld on other reasons, including some you may not have raised).

Brokerwise

If anyone has any questions or wants help completing a questionnaire, give me a shout and I will gladly help. I will be happy when all these CMC's have lost money and gone bust so I will help with that any way I can :rotfl:[/QUOTE]


Hilarious, I get a couple of these a month and have to pay for the privilege of defending them. I might remind you and any one who goes down this route that lying for financial gain is tantamount to fraud

addedvaluebob

Interesting use of the moral high ground from the OP.

'I left the bank to go there as it was more money. I left after 2 months as I found out they CON people'.

So did you give back any money you earned in the two months you helped con these people and why did it take you so long to find out, did you not research the company before you went to work for them.

Hilarious

Insider101

dinkypo wrote: »

It is actually quicker claiming back the PPI for yourself as you do not have to wait for the CMC to do their bit. So here's how it works at a bank:
You send a letter of complaint and a questionnaire. If you don't send the questionnaire, they will just write back asking for one so you may as well save time and send it in the first instance. You don't even have to send a letter with it. The bank HAS to act just off the questionnaire. I would advise sending it recorded but this is up to you.
Once the questionnaire is received at the bank, they look into whatever you have complained about (loan, mortgage, credit card etc). TICK EVERYTHING! Even of you're not sure you ever had cards with them, tick everything. They have to check everything by law if you do this.
Someone (used to be me!) then trawls through your bank statements to see if you did take out PPI. This is usually on the first statement of your loan along with the loan amount. If you did, a letter gets sent out to yourselves and the claim gets passed to another department called document gathering. They then look at the information you've given and decide if it was mis-sold.

The usual easy way to make sure you get PPI back is to say that the loan advisor stated at the time that is was mandatory to take out PPI in order to get the loan. They cannot prove otherwise. Obviously if you applied online, this is a little more difficult.

If anyone has any questions or wants help completing a questionnaire, give me a shout and I will gladly help. I will be happy when all these CMC's have lost money and gone bust so I will help with that any way I can :rotfl:

Firstly, telling lies is not to be condoned. They can and will ask you for specific details and recollections and if you are making it up or don't sound credible then they can soon tell. There is also no "law" stating what they do or don't have to look at and if they can't identify the account in question from the info provided, they are perfectly within their rights to ask for further info.

If you have a genuine complaint reason then complete the FOS questionnaire with as much specific information you can and if you propose to complain about more than one account use a separate one. This comes across as much more genuine, a "chance your arm" approach is easy to spot.

The comments about CMCs are very well founded, most case handlers have seen the same standard letters a thousand times and will rightly be cynical of anything that does not come from the horse's mouth.

Insider101

Nasqueron wrote: »

Making hearsay complaints is silly and should not be relied upon to get a payout - people may have got an auto-payout or some other failing resulted in a payout but you will not win a PPI complaint purely on the claim that an advisor told you something.

To be fair, this is not always the case. Under the DISP APP 3 rules, the bank is required to consider the customer's specific oral testimony as evidence and consider how credible it sounds, whether it fits with the known facts and weight it up against any evidence to the contrary. However, the key word is specific. If you haven't a clue what you are complaining about, have no details and are just chancing your arm it will soon come out in the wash.

magpiecottage

It would seem that the OP is unhappy with the responses received.

However, in view of the fact that they were advocating fraud, those responses seem not to be undeserved.