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Nationwide ppi rejection - any advice welcome

13

Comments

  • Insider101
    Insider101 Posts: 1,062 Forumite
    Clint163 wrote: »
    I totally agree. I was given nothing but negativity on this forum only to prove them wrong. It cost you nothing to send to the ombudsman and they will not take on a case if they don't think it stands. Regarding MPPI being less likely to pay out that is utter nonsense. Each case differs. I am appalled at some people horrible negativity on this forum.

    If I have read this correctly then it is just wrong. Stating "they will not take on a case of they don't think it stands" is totally incorrect. The whole purpose of taking on a case (and therefore charging a fee) is so that they can make an assessment of it and determine whether it is valid or not. It is therefore counterintuitive to suggest that FOS use whether a complaint is valid to decide whether to take it on or not.

    As a general rule, FOS want to take on everything they can as the more cases they take on the more they get paid. Their cases are adjudicated by contractors who only get paid for the chargeable cases they resolve, hence providing a further motive.

    As regards MPPI not being "less likely to pay out" I agree. It is a better product so if you claim on it you are more likely to get a payout. You are not, however, as likely to get a complaint upheld about it and FOS stats back that up.
  • Clint163
    Clint163 Posts: 83 Forumite
    addedvaluebob wrote: »
    Wow, you must be really desperate to put people off from complaining about PPI (or anything else). Perhaps you should change your signature from 'helping advisers to resolve complaints' to 'I have a vested interest in dissuading the public from making complaints on this forum'

    You pick on the smallest discrepancy and try and make it relevant
    'it is the son not the policyholder' What, do think they have not talked to each other or the son has got the information to help out their father deal with this matter.

    Apparently you are aware that Nationwide found no evidence to support the complaint in this case. How can you make such a statement without any supporting information. What is laughable is that you accuse me of speculation.

    How on earth can you make a 'realistic assessment' when in reality you know nothing about the merits or otherwise of this case.

    Consumers should not be dissuaded from going to FOS particularly on a forum designed to offer help and support.

    They don't need to hear your 'realistic assessment' based on no facts whatsoever or what they 'need to hear'.

    I am retired with no axe to grind, you have a vested interest in putting people off.

    You don't know the case.

    Well said!! :T I find people on this forum are just shocking! They think they are above the ombudsman. Wish they would just join another forum that includes all time wasters.
  • Clint163
    Clint163 Posts: 83 Forumite
    Insider101 wrote: »
    If I have read this correctly then it is just wrong. Stating "they will not take on a case of they don't think it stands" is totally incorrect. The whole purpose of taking on a case (and therefore charging a fee) is so that they can make an assessment of it and determine whether it is valid or not. It is therefore counterintuitive to suggest that FOS use whether a complaint is valid to decide whether to take it on or not.

    As a general rule, FOS want to take on everything they can as the more cases they take on the more they get paid. Their cases are adjudicated by contractors who only get paid for the chargeable cases they resolve, hence providing a further motive.

    As regards MPPI not being "less likely to pay out" I agree. It is a better product so if you claim on it you are more likely to get a payout. You are not, however, as likely to get a complaint upheld about it and FOS stats back that up.

    Then I have to disagree with you. Only going by the experience and the amount of cases the ombudsman has won in my favour I can only judge on experience. But I agree not all cases are the same. I still think if a person feels they have been miss sold a ppi the it does no harm in a contacting the ombudsman if they have no success from the bank.
  • Clint163
    Clint163 Posts: 83 Forumite
    dunstonh wrote: »
    yes it does.

    How? If you have been miss sold a PPI you have been miss sold a product that does not suit your needs. What part of miss sold don't you understand?
  • tomtontom
    tomtontom Posts: 7,929 Forumite
    Clint163 wrote: »
    Then I have to disagree with you. Only going by the experience and the amount of cases the ombudsman has won in my favour I can only judge on experience. But I agree not all cases are the same. I still think if a person feels they have been miss sold a ppi the it does no harm in a contacting the ombudsman if they have no success from the bank.

    According to your other posts the Ombudsman has not yet ruled on your complaints. What part of won don't you understand? :)
  • Clint163
    Clint163 Posts: 83 Forumite
    Clint163 wrote: »
    Then I have to disagree with you. Only going by the experience and the amount of cases the ombudsman has won in my favour I can only judge on experience. But I agree not all cases are the same. I still think if a person feels they have been miss sold a ppi the it does no harm in a contacting the ombudsman if they have no success from the bank.

    I have also never paid a fee to the FOS
  • Clint163
    Clint163 Posts: 83 Forumite
    edited 16 January 2015 at 7:34PM
    tomtontom wrote: »
    According to your other posts the Ombudsman has not yet ruled on your complaints. What part of won don't you understand? :)

    I am waiting on 3 loan complaints. The ones I won were previous complaints on other insurance products. Wow! Please go away you are obviously not here to help and just a silly troll
  • tomtontom
    tomtontom Posts: 7,929 Forumite
    Clint163 wrote: »
    I have also never paid a fee to the FOS

    No consumer will pay a fee for their complaint to be considered.
  • Clint163
    Clint163 Posts: 83 Forumite
    tomtontom wrote: »
    No consumer will pay a fee for their complaint to be considered.

    I haven't paid on any I won either? You don't make sense
  • tomtontom
    tomtontom Posts: 7,929 Forumite
    Clint163 wrote: »
    I am waiting on 3 loan complaints. The ones I won were previous complaints on other insurance products. Wow! Please go away you are obviously not here to help and just a silly troll

    Other insurance products that you have never mentioned before, and that clearly do not exist as you previously said the loans in question here are the only debt you have ever had.

    You're not doing yourself any favours by 'embellishing' your story.
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