PPI help direct line

Barney_Rubble_0403

Claim via the RBS site - personal.rbs.co.uk. What's to loose. All they can say is no as I now believe that kneecapping is illegal. :A

Stevieb160477

I never said all ppi was mis-sold or a rip-off did I? I was talking solely about my situation where i was mis-sold but unfortunately both companies who did this were unregulated so I don't have a leg to stand on

Stevieb160477

Just to give an update on my 'simply hearsay' ppi complaint.
RBS have found the loan account in question, have confirmed there was ppi on it and are currently investigating if it was mis-sold.
Maybe my complaint wasn't 'utterly weak' afterall!!!!

[Deleted User]

Stevieb160477 wrote: »

Just to give an update on my 'simply hearsay' ppi complaint.
RBS have found the loan account in question, have confirmed there was ppi on it and are currently investigating if it was mis-sold.
Maybe my complaint wasn't 'utterly weak' afterall!!!!

You are fortunate indeed that there are records after two decades. RBS were also very much regulated in 2001, though they can still go on to inform you that Direct Line were not. However, regardless of whether you are ultimately successful, your complaint reasons are still the weakest possible I'm afraid.

Nasqueron

Stevieb160477 wrote: »

Just to give an update on my 'simply hearsay' ppi complaint.
RBS have found the loan account in question, have confirmed there was ppi on it and are currently investigating if it was mis-sold.
Maybe my complaint wasn't 'utterly weak' afterall!!!!

The fact that they have now found your loan makes absolutely zip difference to the comments above that your complete is hearsay and weak - how are you going to prove you were told you had to have it?


The bank may find other failings, they may decide that the value of the PPI refund is below their auto-pay limit and repay you, they may reject, nothing has changed

Stevieb160477

I've just had a refund from the bank of scotland for exactly the same query for loans dating back to 2001 and had a refund for £4000 so maybe it's not so weak afterall.
When i get a response from RBS I shall update this thread

[Deleted User]

Stevieb160477 wrote: »

maybe it's not so weak afterall.

Understand that the complaint is still weak whether you are refunded or not. In order to be certain of success you need a valid and preferably verifiable complaint reason. You don't have that.
You may still be refunded, but it won't be because you complained that you were told you had to have it.

Nasqueron

Stevieb160477 wrote: »

I've just had a refund from the bank of scotland for exactly the same query for loans dating back to 2001 and had a refund for £4000 so maybe it's not so weak afterall.
When i get a response from RBS I shall update this thread

Stating you were told you had to have the PPI would almost 99.999999% be rejected as you cannot prove that ever happened


However, the bank will have found other failings leading to the refund, as I said, wait and see what they come back with, the bank will almost certainly not tell you why they paid out if they do

Stevieb160477

Well let's hope I do get refunded. Thanks for all the encouragement ��

dunstonh

Stevieb160477 wrote: »

Just to give an update on my 'simply hearsay' ppi complaint.
RBS have found the loan account in question, have confirmed there was ppi on it and are currently investigating if it was mis-sold.
Maybe my complaint wasn't 'utterly weak' afterall!!!!

I haven't posted to this thread previously but I will remark that your complaint is weak. That isn't to say that weak complaints do not often succeed. It is just that the odds are lower.

And the fact they have found you had PPI and now looking into your complaint does not change that fact it is weak. It is very rare for any complaint to succeed on that particular point. Although a good number of those go on to succeed on an unrelated point. Often something you have not actually raised or mentioned.

Sometimes weak complaint reasons succeed. Sometimes what appears to be nailed on complaint reasons fail. Therer are also the auto-payouts which can muddy the waters.