Can I claim in 6 weeks time as long as I do a check now?...Submit a claim without checking?

ch340

Just to be clear, if I complete just a PPI check to see whether or not I had PPI now, either directly with the bank or via Resolver, and it takes 6 weeks to receive a response, I would still be eligible to submit a complain in 6 weeks time after I’ve received the result of the check?

Is it possible to submit a general claim with a bank before completing a check, even if you don’t know whether you had PPI?

Bermonia

Just submit your complaint

AnotherJoe

First Q, No. The deadline is for complaints not finding out if you had PPI. Some organizations may take an inquiry as the start of a claim but they certainly arent obligated to,

Second Q, of course its possible to submit a claim without knowing if you had it.

Jetters

ch340 wrote: »

Just to be clear, if I complete just a PPI check to see whether or not I had PPI now, either directly with the bank or via Resolver, and it takes 6 weeks to receive a response, I would still be eligible to submit a complain in 6 weeks time after I’ve received the result of the check?

Is it possible to submit a general claim with a bank before completing a check, even if you don’t know whether you had PPI?

The deadline for a complaint not a check is 29/8/19. If you do not get your COMPLAINT in before this time you will have no recourse! PUT IN THE COMPLAINT IN NOW!:)

Jetters

What I have realised from this forum regarding the mis-selling of PPI is people are confused between completion of a complaint and the complaint itself. I do not think all the advertising there has been has made it sufficiently clear the deadline is for the complaint and not the completion of it.

[Deleted User]

Jetters wrote: »

What I have realised from this forum regarding the mis-selling of PPI is people are confused between completion of a complaint and the complaint itself.

It's only the OP of this thread that I've actually seen (repeatedly) make that mistake on the forum.

I actually explained it all in a response to a post he made only yesterday.
Here's a link so I don't have to type it again:
https://forums.moneysavingexpert.com/discussion/comment/76200928#Comment_76200928

I don't therefore think the FCA need to revise any advertising.

"Do it now" as Arnie says..

Monkeyman87

How do you make the complaint though if you don't have the account details that might be found through the PPI Enquiry form, do they check anyway as part of the complaint?

Do you just leave the sections blank so that the complaint is started and in the hope that they contact you for more information later on or would they just discard the complaint as you didn't provide enough info?

For example I've been asked to help a relative who insists they were told that they had to have PPI to be accepted for past loans despite being self employed but he doesn't have the paperwork / account numbers and leaves it until now to ask me for help.

My claim was simple enough as I had all the details but I don't know how he should go about it as the forms from Natwest and Nationwide want specifics.

The guide on this site says those banks will convert enquiries made before the deadline in to complaints so that looks like logical thing to do but then you guys say just make the complaint. :undecided

[Deleted User]

Monkeyman87 wrote: »

The guide on this site says those banks will convert enquiries made before the deadline in to complaints so that looks like logical thing to do but then you guys say just make the complaint. :undecided

The point is that it is now far too late to rely on tentative enquiries being converted into full blown complaints. Not all lenders have agreed to such an automatic conversion anyway.

To be certain of definitely having a complaint accepted before the deadline it is necessary to actually complain before Friday. This goes against long-standing advice from this forum stressing the importance of prior research, but it's now far far far far too late for anything else.

Anyone complaining in six weeks (or years or months or even days) will simply be rejected without any consideration of the complaint.

Monkeyman87 wrote: »

Do you just leave the sections blank so that the complaint is started and in the hope that they contact you for more information later on or would they just discard the complaint as you didn't provide enough info?

I'm afraid it's likely too late for this one. If you "complain" giving no detail, the likelihood is that the Bank won't be able to find details either.

brettcta

Less than 2 days before we feel the FCA’s sweet release

Monkeyman87

Moneyineptitude wrote: »

The point is that it is now far too late to rely on tentative enquiries being converted into full blown complaints. Not all lenders have agreed to such an automatic conversion anyway.

To be certain of definitely having a complaint accepted before the deadline it is necessary to actually complain before Friday. This goes against long-standing advice from this forum stressing the importance of prior research, but it's now far far far far too late for anything else.

Anyone complaining in six weeks (or years or months or even days) will simply be rejected without any consideration of the complaint.

I'm afraid it's likely too late for this one. If you "complain" giving no detail, the likelihood is that the Bank won't be able to find details either.

I think I'll just tell him to fill in the complaint with the details he does know just so its in before the deadline, nothing to lose at this stage.

Although I suppose he could send a PPI check request as well, both the banks say they will honour the check before the deadline so it might uncover some info that could help the complaint later.

ch340

Moneyineptitude wrote: »

It's only the OP of this thread that I've actually seen (repeatedly) make that mistake on the forum.

I actually explained it all in a response to a post he made only yesterday.
Here's a link so I don't have to type it again:

I don't therefore think the FCA need to revise any advertising.

"Do it now" as Arnie says..

What’s confusing me is that the advice being given appears to differ to what’s on the MSE site:

“In most cases, you simply need to check IF you had PPI to beat the deadline

Banks used to treat a 'check whether you had PPI' and 'complaint about PPI' as two separate things. Now almost all have agreed with regulator the Financial Conduct Authority (FCA) that someone simply asking if they had PPI counts as starting a complaint for the purposes of the deadline.

Doing at least that stops the clock. If needed, later you can think further about why you're reclaiming – ie, whether you were mis-sold – and either respond to the bank or add further information.”

It’s like you’re suggesting I skip this step despite what it says and go straight to the complaint.