PPI Reclaiming successes and failures

di3004

sunny8 wrote: »

Hi Di,

I have done the above, just got off the phone to them - she said their bank is under no obligation to keep information past 7 years as this is their 'retention policy'. I stated i banked with them from school, however, she stated that even if i had banked with them for the previous 100 years they would only have the last 7 years info....

I again stated that this this was strange as i know all banks are taking other loans in to consideration - she said if i had the agreements (which i havent) i could send them in otherwise i could send a SAR but it doesnt promise that they will still be able to give me the info!!:(:(:( argh!!

Nothing is ever smooth, so dont know what to do....however, on the upside they have upheld the one i have on file which ran for a year (2004 - 2005) and are going to reinburse me with £600:T:T:T:T Happy Days :j:j:j

So...this may sound greedy but, how can they reimburse one loan when i know for a fact i had 3 others, all sold the same way, same circs, but they cant do anything about it..if they did, i bet i would be refunded with treble what they have offered me:(.

The lady said i had to sign a form & send it back , if i do get anything back from the SAR which is very doubtful ( her words) i will have to start a brand new claim . Should i email my friend the CEO

Thanks guys :A:A xx

Hiya

How annoying, but I would still send a reclaim in anyway, even if it comes to a goodwill offer at the end of it.

Its known that customers have been told the same thing and have still been successful, so Sunny if you still have that account number, do give it a go.;)

You could email the CEO if you want to, explain the situation to him or her, see if that helps.

Well done on your success Sunny :beer::beer: and your not being greedy, its your money and it belongs to you.;)

If you SAR, and they're unable to provide you with anything, they must return your payment with a written letter to explain.

Keep at them xx:A:A

sunny8_2

smitchy73 wrote: »

They will have the basic information of all your loans all file, they might not have the agreements, RBS didn't have any that I asked for but they gave me a list of how much, when they were taken out, if there was ppi on them and how much it was and the monthly payments, they were also able to produce a diary of communication they had when I defaulted on my mortgage with them too, funny that eh?
Clydesdale can be a bunch of dodgy !!!!!!s though, I'd send an email to David Thorburn again, and ask why it is that the ppi department aren't prepared to look at your previous loans you had with the Bank when this is direct contravention of the FSA handbook.
"Assesing complaints

3.2.7 G The [FONT=TimesNewRoman,Italic]firm [/FONT]should consider all of its sales of [FONT=TimesNewRoman,Italic]payment protection contracts [/FONT]to the
complainant in respect of re-financed loans that were rolled up into the loan
covered by the [FONT=TimesNewRoman,Italic]payment protection contract [/FONT]that is the subject of the [FONT=TimesNewRoman,Italic]complaint[/FONT].
The [FONT=TimesNewRoman,Italic]firm [/FONT]should consider the cumulative financial impact on the complainant of

any previous breaches or failings in those sales."

(This is if they were rolled up) but I believe all banks are supposed to be looking at all loans that a customer have had.

Email David and copy in Gina and or Carol Craig as well

Thanks buddy!!:j:j

That Gina was lovely so i cant fault her, however she wasnt going to tell me about a SAR - i quoted it of here!!:money::money:

She said they have nothing after 7 years but i thought they would have something.. without me having to SAR ...and YES..they were all refinanced into one another..

So what now?? hold on to the SAR for now & just email David with my query and that FSA quote?

Hope they accept it as it means me starting all again :oxx

smitchy73

sunny8 wrote: »

Thanks buddy!!:j:j

That Gina was lovely so i cant fault her, however she wasnt going to tell me about a SAR - i quoted it of here!!:money::money:

She said they have nothing after 7 years but i thought they would have something.. without me having to SAR ...and YES..they were all refinanced into one another..

So what now?? hold on to the SAR for now & just email David with my query and that FSA quote?

Hope they accept it as it means me starting all again :oxx

I would just email David and give it to him, and explain that as far as you can interpret from the FSA handbook FS10/36 all lenders when a complaint has been received should look into the customers history and check if there had been ppi on previous loans and to address these also and at the same time which prevents the staff from having to deal with several complaints when they can all be handled under the one complaint.
Use the quote from the other post I mentioned which gives the section from the FSA handbook.
Ask for a response within 7 days or you'll go straight to the FSA(not FOS)

sunny8_2

di3004 wrote: »

Hiya

How annoying, but I would still send a reclaim in anyway, even if it comes to a goodwill offer at the end of it.

Its known that customers have been told the same thing and have still been successful, so Sunny if you still have that account number, do give it a go.;)

You could email the CEO if you want to, explain the situation to him or her, see if that helps.

Well done on your success Sunny :beer::beer: and your not being greedy, its your money and it belongs to you.;)

If you SAR, and they're unable to provide you with anything, they must return your payment with a written letter to explain.

Keep at them xx:A:A

Thanks Di,

think i will email the CEO again to explain that i have already reclaimed & that i am aware of the retention policy, blah, blah but the FSA gives guidance to look in to other loans....what smitchy has said & see how i get on, if not i can SAR then :):):)xx

DAI92

ThunderCat wrote: »

Money was paid in this morning. :j:j:j Just over 21 days including bank holiday.

Awesome i had the same letter as u (with nothing to sign or send back just said do NOT reply and we will consider your complaint resolved and we will pay the amount unlined in the letter to my account from lloyds tsb).

Im currently on day 23 and i havn,t checked my account today so maybe its in there now lol :j:j:j

sunny8_2

smitchy73 wrote: »

I would just email David and give it to him, and explain that as far as you can interpret from the FSA handbook FS10/36 all lenders when a complaint has been received should look into the customers history and check if there had been ppi on previous loans and to address these also and at the same time which prevents the staff from having to deal with several complaints when they can all be handled under the one complaint.
Use the quote from the other post I mentioned which gives the section from the FSA handbook.
Ask for a response within 7 days or you'll go straight to the FSA(not FOS)

Hey dude, just sent an email to the CEO ...here it is:

Dear Sir,

As you may be aware i placed a complaint with regards to mis selling of PPI several weeks ago.

My complaint was delegated to a colleague of yours - Carol Craig, who has swiftly and professionally dealt with my case. My case then was delegated to a PPI Team Manager : Gina Arthur who has also been most helpful and professional. These members of your company are a credit to you and your constituency.

However, i received a telephone call from Gina Arthur yesterday who politely explained to me that although i had several loans with yourselves, only the more recent loan could be considered - of which only ran for 12 months (2004-2005) due to your current Retention Policy.

As i explained to Gina, i am aware that i can obtain a Subject Access Request to obtain my details from yourselves , however, this should not be needed. I stated that i had all bank statements - to which i have previously paid for, which are proof of all loan repayments. I am bemused at why the team are unable to deal with my previous loans as this is a direct contravention of the FSA handbook;

"Assesing complaints
3.2.7 G The
firm should consider all of its sales of payment protection contracts to the
complainant in respect of re-financed loans that were rolled up into the loan
covered by the payment protection contract that is the subject of the complaint.
The firm should consider the cumulative financial impact on the complainant of
any previous breaches or failings in those sales."

As far as i can interpret from the FSA handbook FS10/36 all lenders - when a complaint has been received, should look into the customers history and check if there had been ppi on previous loans and to address these, also, and at the same time which prevents the staff from having to deal with several complaints when they can all be handled under the one complaint.

As stated before in my previous complaint - all loans were conducted in the same situation and same circumstances, therefore, i am compelled at how you can uphold one loan and not others.

It would be of the up-most benefit for both your staff and myself if you could arrange for the loans to be dealt with collaboratively.

I look forward to your response within 7 days, however, if this is not obtainable, i will seek advice from the FSA.

Kind regards


Thanks bud:j:j....what do you think? :j:j xx

tyrosteve

Hi, can anyone help please? I have had several loans over the years with what is now santander but my loans were with girobank which then became alliance and leicester which is now santander. My question is, do I contact santander about the loan i had from alliance and leicester as i know i was told i had to have ppi....many thanks and congrats to all successes!!!!!!

hunnyluvinbear

Whooooo Hoooooo!
Just got a letter from MBNA re hubby's CC PPI. UPHELD!!!!:j
To the sum of...wait for it.....£33'273.03 !!!:beer::T:rotfl:

And my reward for doing all the paperwork for him???

A shiny Red Sports car will be coming my way!!

(I'll post figures later when I've picked myself up off the floor!)

Thank you all so very, very much for all your advice posted on here.
You guys are all wonderful. :A:money:

saverjules

OMG HLB

Fab news - enjoy,

Iain1983

hunnyluvinbear wrote: »

Whooooo Hoooooo!
Just got a letter from MBNA re hubby's CC PPI. UPHELD!!!!:j
To the sum of...wait for it.....£33'273.03 !!!:beer::T:rotfl:

And my reward for doing all the paperwork for him???

A shiny Red Sports car will be coming my way!!

(I'll post figures later when I've picked myself up off the floor!)

Thank you all so very, very much for all your advice posted on here.
You guys are all wonderful. :A:money:

Jesus christ! Congratulations what shiny red car is it?