Natwest PPI claim re-opened

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?
...and the Spurs go marching on.
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Comments

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

  • 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.
    ...and the Spurs go marching on.
  • 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
    dunstonh Posts: 116,260 Forumite
    Name Dropper First Anniversary First Post Combo Breaker
    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.

    I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
  • 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!
    ...and the Spurs go marching on.
  • 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
    brettcta Posts: 4,693 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
    edited 8 December 2020 at 12:07PM
    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?
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • brettcta 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... 
    ...and the Spurs go marching on.
  • brettcta
    brettcta Posts: 4,693 Forumite
    Name Dropper First Anniversary Combo Breaker First Post
    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
    helpful tips
    it's spelt d-e-f-i-n-i-t-e-l-y
    there - 'in or at that place'
    their - 'owned by them'
    they're - 'they are'
    it's bought not brought (i just bought my chicken a suit from that new shop for £6.34)
  • 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.

    ...and the Spurs go marching on.
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