Blackhorse PPI 8 weeks extension... Again

gilly501

Well the simple answer is as i stated, there would have been recriminations against me on some part showing non payment of loan !! and given they can not prove i did not carry on my payments, is the same as me not being able to prove otherwise therefore it will be a case for the FOS , the only current fact is they have acknowledged my £5 k loan , including the PPI  , 

-taff

And again, if there are no records, it doesn't matter. If you think they owe you more, escalate to the FOS or provide your own evidence.

gilly501

will do

SonOf

Well the simple answer is as i stated, there would have been recriminations against me on some part showing non payment of loan !! 

Are they saying non payment of the loan or non payment of the PPI?  It may be that you cancelled the PPI after 3 months and not the loan.

gilly501

no  i was un aware of any PPi on the loan , all i know is i know i had a £5k loan for a car , They acknowledge i had a £5 k loan, and there was PPi on ,  in their correspondence  they have put  PPI premium policy  £565, underneath put nos of payments agreed 84 under that nos payments made 3, then put upheld PPI premium to be refunded £137, debt interest £4.65 total  !142. . next page  says  redress £142  , gross compensatory interest £180., after tax   payment  £285.00,   
So i dont know where they have got i only paid 3 payments , as far as i can recollect i made them all , but could have paid it off in full after re mortgaging ,  The only thing i am certain is i did not stop paying otherwise i would have had some course of action against me to which i havn,t had, but actually recollecting exactly what happened  given the length of time i am un sure, surely they would have notification of the loan , weather paid or not ? 

[Deleted User]

gilly501 said:

So i dont know where they have got i only paid 3 payments , as far as i can recollect i made them all , but could have paid it off in full after re mortgaging ,  The only thing i am certain is i did not stop paying otherwise i would have had some course of action against me to which i havn,t had, but actually recollecting exactly what happened  given the length of time i am un sure, surely they would have notification of the loan , weather paid or not ? 

Note that it's not the loan they are refunding, only the PPI. 

Despite your "recollection", their records trump your memory I'm afraid. 

If you effectively cancelled the PPI (by paying  off the loan early perhaps?) after three payments there would not have been "some course of action" against you.

Provide solid  evidence  that you paid PPI for the entirety of the original  finance arrangement and they will reconsider, otherwise you are wasting your time...

gilly501

I understand its the ppi  however its all speculation at this time why they have stated i only paid 3 payments  and i will.ask for evidence of non payments or a finalised payment .If that can not be provided .as you say provide evidence well the evidence is they acknowledge a 5k loan including 565 .ppi   , which i say was paid in full over the allotted  time period, i will.let the Fos.decide .    Tnks

[Deleted User]

gilly501 said:i will.ask for evidence of non payments 

As the complainant, the burden of proof is upon YOU I'm afraid.  

Therefore, unless YOU provide solid  evidence  that YOU paid PPI for the entirety of the original  finance arrangement  YOU are wasting YOUR time pursuing this ...

gilly501

WELL WE WILL SEEEEE

[Deleted User]

gilly501 said:

WELL WE WILL SEEEEE

You truly need to realise that you can't expect the Bank (or the Ombudsman) to provide you with proof of a negative. They've already told you that their records show you only making three PPI payments and they are refunding you. Only if you can provide evidence of your own (statements etc) showing that you paid more do you have any hope of advancing this. The Ombudsman cannot help you in this situation and certainly cannot somehow force the bank to alter their records...