Natwest Credit Card

dunstonh

I quite agree. I suggest they stop being rude to OPs; but, more importantly stop telling them they have no potential claim.

Where has it been said on this thread that the OP should not complain?

A customer not having asked for PPI is the first reason in a plurality of complaints.

it is also the weakest of all the complaint reasons. It is very rare for that particular complaint reason to be the reason a complaint is upheld. In most cases there is no such evidence to support that allegation.

Someone using that reason in conjunction other reasons can succeed if other reasons show a failure. And in some cases, the person may get lucky and find the provider finds a failure that the person wasn't even aware of. However, if the reason "i didnt know I had it" is the only one then you will be totally reliant on there being a failure reason you didnt raise".

The OP was asking how much they should expect. However, the wording suggested they had not made a complaint yet and was looking at the potential redress amount. That is putting the carthorse before the cart. The OP needs to focus on the complaint first and not pounds signs.

Take a look at the following FOS decision

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=57616
Miss B has told us she did not know she had the PPI thus suggesting she did not consent to purchasing it....
HSBC has provided a number of point of sale documents including the credit card agreement and the Demands and Needs Statement both signed by Miss B in March 2006....
Bearing in mind Miss B was taking on a new financial commitment, I have considered the possibility that she would have carefully reviewed the documents she was signing, in which case there is a strong likelihood that she would have understood she was agreeing to take out the PPI, and that it was optional. On balance having reviewed the evidence I am persuaded that Miss B consented to buy the policy and she ought to have known that it was optional.

So, the allegation of didnt know she had it was made and the evidence available shows it was signed for. However, there is then a change of story.
After the adjudicator’s view was issued Miss B said she was felt forced into buying the policy because she was not asked about it
The ombudsman replies:
This appears to be an allegation of pressure however there is no detail of how pressure was exerted and I have seen no evidence to be persuaded pressure was exerted on Miss B.

At this point the person complaining has lost credibility as you cant say you didnt know you had it one minute and then say it was forced on you the next. And the ombudsman rather politely points out the lack of evidence at this allegation.

The ombudsman then goes on to check a selection of things not mentioned by the OP but are a few of the main reasons why PPI complaints can succeed. In this case, there are no other failings on those areas.

Maybe if that person had focused on stronger complaint reasons from the start and not changed story during the process, they may have had a success. Or maybe they have to accept that they were not mis-sold. If that person had come here first, they would have been told to focus on stronger complaint reasons than "didnt know I had it".

[Deleted User]

I doubt anyone reading my earlier post was under any illusion about what I was referring to. Please keep to discussion of the issues rather than making personal remarks about other posters.

Mersey_2

I do indeed keep to the purpose of the forum - by providing redress to those wondering if they have a claim against their bank, ex-boss or retailer, in the words of Martin Lewis - by providing answers to claimants Qs when they are seeking redress. It was only because a couple of posters appeared to instead, almost always jumps in and tell people they had no claim, that I raised the issue.


Indeed the only one to make a false personal accusation was that poster - by accusing myself of lying - but as they have now deleted that sentence above, I am happy to leave it there.


Myself & dunstonh have detailed our thoughts and resolved the matter, on the other thread , so it isn't really a matter to involve yourself in, in any event.