Bank of Scotland Credit Card PPI Not Missold

DirletonPCDoctor

BOS have offered me a Plevin payment but have indicated that they think I was not missold the PPI policy. The policy has been running since 2000. Is it financially worth my while to keep after the bank? I assume that I have been paying PPI constantly since I got this card?



regards

Richard

[Deleted User]

If that's their final decision, you can go to the Ombudsman.

Your statements will tell you if you still have a policy.

DirletonPCDoctor

I phoned them to tell them I was unhappy and they have put it back for reinvestigation. I already told the person who called me a while back everything they needed to know.


Didn't want it.
Wouldn't have taken it - don't trust banks or bankers.
Had no intention of becoming unemployed.


R

SonOf

Remember that there is nothing wrong with having PPI. The whole complaints issue is about the sale. Card PPi complaints have around a 50% success rate.

Wouldn't have taken it - don't trust banks or bankers.

Not a strong complaint reason. It appeared on the statements. So, why didnt you complain when you saw it?

Had no intention of becoming unemployed.

As if that is something people plan.

Your complaint reasons are weak. It is pretty easy to see why they rejected it. It doesnt mean they wont change their mind but you are looking at luck rather than a genuine missale reason here.

DirletonPCDoctor

I don't remember ever seeing it on a statement and was surprised that it even existed.


I didn't know what it was and wouldn't have wanted it if I'd been offered it. If it was added without me knowong about it, isn't that good enough reason?


best wishes

R

SonOf

I didn't know what it was and wouldn't have wanted it if I'd been offered it. If it was added without me knowong about it, isn't that good enough reason?

No its not.

Its a missale reason but not all missale reasons are going to lead to success.

Every try-it-on/fraudulent complaint made also gives those reasons. Even where no PPI was ever sold. Its a reason that lacks evidence to back up the allegation.

So, they cannot just believe what you are saying. There has to be something that points towards what you are saying as being correct. They are saying that they have not found anything that suggests what you are saying is correct.

Someone complaining in the early months about a payment appearing on their statement that they did not agree is considered credible, even without evidence. The longer times goes on, that credibility erodes and after many years, there isn't much credibility at all.

Have you not got any better reasons for complaint? Did you supply the bank with your employment benefits for example?

[Deleted User]

DirletonPCDoctor wrote: »

I don't remember ever seeing it on a statement and was surprised that it even existed.

Not remembering is not a valid complaint I'm afraid, it will have been listed every time you were charged it. If it didn't appear, you won't have been charged.

DirletonPCDoctor wrote: »

I didn't know what it was and wouldn't have wanted it if I'd been offered it. If it was added without me knowong about it, isn't that good enough reason?

I'm afraid it a very weak complaint unless it came at the very outset of your account. Complaining nearly two decades later that you didn't know you had it is not a very compelling reason. The PPI would have appeared every single month itemised on a separate line when your account retained a balance. Contrary to Claims Company myth, PPI was not just routinely added to credit cards and loans without the knowledge and permission of the customer. You will have agreed to it 18 years ago, but you just don't remember.

It's hardly surprising therefore that the Bank has declined your complaint. I'm also not sure what you hope to achieve by having them look at it again. The correct next stage of the complaint process if you remain dissatisfied with their "full and final" response is to refer the complaint to the Ombudsman. Unfortunately, the chances of the Ombudsman overturning this are slim I fear.

DirletonPCDoctor

I've done a broad sweep of "try it on" complaints. I'm glad I did because turns out I was missold PPI quite a few times without ever knowing what it was. All have been refunded except for this last one and possibly a mortgage that BOS is unable to find. I'll just keep after them and let you all know if and when there's an outcome.


best wishes


R

SonOf

by try-it-on, we are referring to people that knowingly had PPI by choice but are still putting in PPI complaints to see if they can get money back. Or where there is no PPI at all but they make a whole range of allegations which are clearly false.

Over half of PPI complaints made do not actually have PPI. Just to give you an idea of the scale of these.

DirletonPCDoctor

Yes I have contacted just about every institution I know of. I have no idea if I had PPI or not. Had no idea what it was until Facebook kept bugging me about deadlines, etc. Then I found out loans, etc, I had came with PPI that I knew nothing about!


I'm old fashioned but in my mind if I don't understand or want what I have paid for then that's missold and hopefully the system will work this time too.



R

[Deleted User]

DirletonPCDoctor wrote: »

if I don't understand or want what I have paid for then that's missold

What you describe is not "mis-selling" two decades after the event. Again, if you didn't want the insurance why didn't you cancel it eighteen years ago when it first started appearing on your statements?
You may well have had refunds prior to this in which you gave the same the same complaint reason, but it's likely those refunds were either a business decision to simply refund you without any investigation or for entirely different reasons than the one you gave. Since banks only provide explanations when a complaint is rejected, you'll never know why your other complaints were successful.