RBS Credit Card PPI claim more than 6 months after final letter?

Nasqueron

If they still have call records you can try it (would need a £10 DSAR I think to get copies) but beyond that you have no proof of the above so it'll be a difficult one to pursue and they might see it as just trying another angle at something they have time barred so might just dismiss the complaint, up to you.

DynamoCappo

Just as a bit of a follow up to this one...

The Ombudsman finally closed the claim as the bank were refusing to look at it based on the time frame.

What I did next was phone the RBS and ask about the situation of me being blocked in my attempts over the years to cancel it (which is being taken as a separate case to the initial miss-selling)

The first time I can really clearly remember was 10 years ago as I made the call from the office of my new job. I was given the runaround as per the details in that Whistleblower article above.

The bank came back to me within an hour saying they could offer me 6 months of refunded PPI payments as well as the interest in that period. It amounts to a not insignificant £340.

Now, I do have a large balance sitting on the card. I don't always use it and there are large periods where it's had a zero balance for lengthy times.

They've applied the amount to my balance and it's mine to keep. The gentleman said it was the maximum he could apply and that anything over the 6 months would have to be referred to the Ombudsman again.

I think I'm as well doing that. I've nothing to lose really.

I have a slight feeling (though he denied the sort of actions in the Whistleblower article) it is a slight admission of not acting in the customers best interests.

My wife is more of the opinion it a case of "here's some cash to go away and shut up"

Any further thoughts?

Nearlyold

Think your wife has called this one correctly.

DynamoCappo

Fair enough.

I don't think I'm out of order phoning the Ombudsman to see. I'm sure they'll advise accrodingly too.

It's a genuine case and had simply been an annoyance previously as part of the greater PPI mis-selling claim.

Having seen the Whistleblower article, it's grown in stature with me as I genuinely feel the bank were at it.

dunstonh

I don't think I'm out of order phoning the Ombudsman to see.

They have already told you:
"The Ombudsman finally closed the claim as the bank were refusing to look at it based on the time frame. "

It's a genuine case and had simply been an annoyance previously as part of the greater PPI mis-selling claim.

It could be the most blatent case going but if its time barred then its game over if the bank do not volunteer to re-open it.

DynamoCappo

I think you've majorly misunderstood the situation here.

There was a claim for miss-selling. It was knocked back by the bank and eventually just closed recently by the Ombudsman after the appeal.

I've since followed this up with an entirely separate issue through the bank and will open a 2nd case (on this different matter - the bank's refusal to cancel it when I called) with the Ombudsman.