Natwest PPI claim re-opened 7 December 2020 at 10:56PM in Reclaim PPI & other insurance 20 replies 652 views

matthius23

A few years back I submitted a ppi claim on a Natwest credit card I took out in 1997. The result was unsuccessful and the case was closed.
I got a letter two weeks ago saying the case was being reopened as the result may be wrong - today I got a call from Natwest asking me questions about what I can remember from when I took out the credit card (spoiler: not much... it was 23 years ago!) 
Anyone else received anything from Natwest recently regarding old ppi claims? Did your previously unsuccessful result change?

jonesMUFCforever

There must be a good chance if they have looked at your claim again and made the effort to contact you?

matthius23

jonesMUFCforever said:

There must be a good chance if they have looked at your claim again and made the effort to contact you?

That's what I'm hoping... I'm just eager to know if there was something particular about mine that caused them to reopen the case - or if they are going through all previous claims and re-opening them.

[Deleted User]

matthius23 said:

jonesMUFCforever said:

There must be a good chance if they have looked at your claim again and made the effort to contact you?

That's what I'm hoping... I'm just eager to know if there was something particular about mine that caused them to reopen the case - or if they are going through all previous claims and re-opening them.

Unfortunately not, almost certainly they have reviewed files looked at by someone who they spotted made mistakes or noticed a problem in their process and decided to review everything. The point of sale is all that matters with PPI, so if you were unemployed or had some reason why PPI would not have been suitable that you didn't say at the time, then advise them, or they may well simply agree with their previous verdict

dunstonh

Anyone else received anything from Natwest recently regarding old ppi claims? 

A reopened case can occur because of a number of reasons. For example, if a complaints handler was found to have done something wrong and a trend becomes noticeable, they will automatically reopen the case and ask a new complaints handler to review it with a fresh set of eyes.        

Reopened cases have resulted in no changes to decisions in some cases and lots of changes in others.  No way to tell what is going to happen here.

matthius23

I told the guy on the phone, 23 years ago - as a broke teenager - there was no way I was signing up for anything by choice (PPI) and would only have signed for it if I was told it was mandatory!

[Deleted User]

Trouble is, that is not supported by any evidence, the bank will simply show a copy of their standard phone call script indicating it was optional. I wouldn't hope for anything and you may be pleasantly surprised, or you may end up no worse off than before.

brettcta

matthius23 said:

A few years back I submitted a ppi claim on a Natwest credit card I took out in 1997. The result was unsuccessful and the case was closed.
I got a letter two weeks ago saying the case was being reopened as the result may be wrong - today I got a call from Natwest asking me questions about what I can remember from when I took out the credit card (spoiler: not much... it was 23 years ago!) 
Anyone else received anything from Natwest recently regarding old ppi claims? Did your previously unsuccessful result change?

Enough to make a complaint and allege wrongdoing though, yea?

matthius23

brettcta said:

matthius23 said:

A few years back I submitted a ppi claim on a Natwest credit card I took out in 1997. The result was unsuccessful and the case was closed.
I got a letter two weeks ago saying the case was being reopened as the result may be wrong - today I got a call from Natwest asking me questions about what I can remember from when I took out the credit card (spoiler: not much... it was 23 years ago!) 
Anyone else received anything from Natwest recently regarding old ppi claims? Did your previously unsuccessful result change?

Enough to make a complaint and allege wrongdoing though, yea?

I took out a loan and a credit card around the same time... already had a successful PPI payout on the loan. And the original PPI claims were made 8 years ago...
So... 

brettcta

So...? They’re entirely different complaints about entirely different products. You’re trying to angle a point on not remembering much from 23 years ago but yet you still remembered enough to allege the lender had done something wrong and want to be redressed for it.

I just found that a bit odd, that’s all

matthius23

I don't want to be redressed for it... I had closed the doors on it. I put in claims for the credit card and a loan 8 years ago 'just in case.' And guess what... the loan came back successfully. The credit card came back unsuccessful. Case closed for me.

Natwest have reopened the case - not me.