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Bank of Scotland Questionnaire to complete or not?
MTBwarrior
Posts: 2 Newbie
Hi all,
I have previously successfully claimed PPI back from Yorkshire Bank using just the letter template provided.
I have now contacted (AA) Bank of Scotland to claim back the PPI from an old loan - they have sent me back a ten page questionnaire which it says I should complete to help them make their judgement.
This questionnaire asks all sorts of details about my health cover, unemployment cover etc at the time.
Looking on-line, this information has been used by some lenders to form an opinion that, at the time, the borrower "would" have taken out PPI because of their situation. Therefore NOT miss-sold.
I guess i am asking for your collective opinions please! Should i complete the questionnaire or just ignore it and send in the template letter i have used successfully in the past with a previous lender?
Thanks in advance
I have previously successfully claimed PPI back from Yorkshire Bank using just the letter template provided.
I have now contacted (AA) Bank of Scotland to claim back the PPI from an old loan - they have sent me back a ten page questionnaire which it says I should complete to help them make their judgement.
This questionnaire asks all sorts of details about my health cover, unemployment cover etc at the time.
Looking on-line, this information has been used by some lenders to form an opinion that, at the time, the borrower "would" have taken out PPI because of their situation. Therefore NOT miss-sold.
I guess i am asking for your collective opinions please! Should i complete the questionnaire or just ignore it and send in the template letter i have used successfully in the past with a previous lender?
Thanks in advance
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Comments
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Complete the questionnaire if you want them to review your complaint.0
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It does say in the questionnaire:
"We review every case regardless of the amount of information provided".
My concern is that some people have had rejected because "on paper" it looks as though they would have legitimately taken PPI, as I'm sure i would look the same.
The long & short of it is that PPI was never explained to me nor was i told it would be applied to my loan..0 -
MTBwarrior wrote: »It does say in the questionnaire:
"We review every case regardless of the amount of information provided".
That's correct. You don't need to answer every question, if you don't have the answers. Just put 'don't know'.
Don't get all conspiracy theory about the form. Just tell the truth.0 -
It really isn't some big trick to avoid paying out PPI, they've paid out tens of billions with little or no investigation as to whether the product was actually miss-sold. Working full time does count "against" you in that it confirms the policy was sold correctly (as opposed to selling it to someone without a job) but having a job with work benefits also counts in your favour as it suggests less of a reason for having it. Just be honest on the form and see what they come back with. You can appeal rejections to the FOS anyway who are more customer friendly.
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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If your loan was before 2009 it's likely it was singe premium. Good complaint reason. As is good work ebefits/sickness payNon me fac calcitrare tuum culi0
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Have the same problem, I used resolver PPI checker and received questionnaire from bank of Scotland. I dont have account number and they havent included it, just a reference number. What do I do? fill it and send it off or request a SAR. Loan was in 20010
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You fill in the questionnaire as asked.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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Have the same problem, I used resolver PPI checker and received questionnaire from bank of Scotland. I dont have account number and they havent included it, just a reference number. What do I do? fill it and send it off or request a SAR. Loan was in 2001
SAR is not needed for a complaint, just means you'll get a load (or no) paperwork showing some transactionsSam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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