Ppi dispute

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My proof is that I have been successful with five other banks as I have never agreed to ppi.

I received an attached letter from banks with cheques clearly stating that I did not request ppi and the contents of breakdown of costs and interest due to me, so I am certainly sure I have not agreed to ppi, I also explained this in my current final appeal to ombudsman.

Do I have proof, who does? so it’s a tough call.

Who was to know back then that there would be a mis-selling if ppi.

The fact that said bank confirmed I was paying ppi by sending me a letter and I know to have never agreed to any ppi cover is clearly every reason to make said appeal.

Takmon

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I have successfully claimed ppi from at least half a dozen banks due to the fact that I received full sick pay and never consented to ppi insurance be it an application online or over telephone.

So your saying you never agreed to PPI but ended up paying for it to half a dozen different banks?. You must be extremely poor at managing your money if you never read any credit agreement or looked at any statements because you would have seem you were paying PPI.

Instead of wasting your time on this you would be far better off going through your current statements and seeing what else your paying for your don't want and finally get a grip on your finances.

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I never said I don’t remember?

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As my initial claim in resolver was under plevin which was rejected due to my account being closed beforehand, I made a new claim in resolver not under plevin as the company still admitted there was evidence of I paying ppi and without my consent. Which simply merits an appeal.

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Takmon I am retired, no mortgage and debt free, nothing wrong with my finances. So what you are basically saying is the hundreds of thousands complaining about ppi should have all looked at their statements, okay whatever?

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Thanks guys for all your helpful advice and comments. Bye for now.

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Takmon wrote: »

So your saying you never agreed to PPI but ended up paying for it to half a dozen different banks?. You must be extremely poor at managing your money if you never read any credit agreement or looked at any statements because you would have seem you were paying PPI.

Instead of wasting your time on this you would be far better off going through your current statements and seeing what else your paying for your don't want and finally get a grip on your finances.

Finally, Takmon the accounts were varied over An 18 year period, not all at one time. :money:

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I knew i was claiming for ppi, to all the guys here who said it's a ppi complaint, here is an article from Martin Lewis below:

I'm no fan of a compensation culture. Instead MSE and I have long, proudly been at the forefront of reclaiming – that's getting YOUR money back when it shouldn't have been taken.

PPI is by far the biggest reclaim we've seen – it's now thought the total payout will be close to £50 billion.

Takmon

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Finally, Takmon the accounts were varied over An 18 year period, not all at one time. :money:

Expired wrote: »

Takmon I am retired, no mortgage and debt free, nothing wrong with my finances. So what you are basically saying is the hundreds of thousands complaining about ppi should have all looked at their statements, okay whatever?

So over atleast an 18 year period you did not look at your statements or credit agreements which resulted in you paying for things you didn't want. This means you have almost certainly missed other things or missed out on getting the most from your money over the years.
You may be mortgage and debt free but if you had managed your money better you would probably have alot more savings than you do now.

Yes I am saying that people should have checked their statements and credit agreements. I think this is a basic financial requirement that so many people do not do and lose out because of it.

[Deleted User]

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So yes it is a serious matter that I will continue to pursue through the appeals process.

It's really not serious at all, I'm afraid.

My opinion is that you simply don't remember signing the document and have convinced yourself that all your PPI was simply added without your knowledge or permission across multiple finance with multiple lenders!:eek:

The truth is that PPI was an expensive and often useless add-on which was often mis-sold to people who never needed the insurance or who could never claim on it. It's myth sponsored by claim companies that it was routinely just added, or hidden in the interest etc. Your successful PPI complaints have all been upheld for other reasons.

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I was successful with one complaint for ppi under plevin.

Be aware that a Plevin refund indicates that your actual PPI complaint was rejected, so that Bank did not accept your allegation that PPI was added without your permission either.

So, just to reiterate, the bank have rejected your complaint and the FOS adjudicator has agreed with this rejection. The chances of an actual Ombudsman overturning this decision are very slim given that there is actual documentation which disproves your allegations. Plevin does apply either.

Sorry.