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  • FIRST POST
    • MSE Naomi
    • By MSE Naomi 29th Aug 19, 10:17 AM
    • 324Posts
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    MSE Naomi
    Banks struggle to handle last-minute surge in PPI complaints - MSE News
    • #1
    • 29th Aug 19, 10:17 AM
    Banks struggle to handle last-minute surge in PPI complaints - MSE News 29th Aug 19 at 10:17 AM
    Hours ahead of the PPI deadline, Santander's PPI enquiry form has been "temporarily unavailable" while customers of other banks are reporting website problems and waits of up to 90 minutes on the phone. The deadline to claim is 11.59pm TODAY (Thursday) - so here's what to do if you're affected...
    Read the full story:
    'Banks struggle to handle last-minute surge in PPI complaints - what to do if you're having problems'

    Click reply below to discuss. If you haven’t already, join the forum to reply.
Page 1
    • Keep pedalling
    • By Keep pedalling 29th Aug 19, 10:37 AM
    • 7,188 Posts
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    Keep pedalling
    • #2
    • 29th Aug 19, 10:37 AM
    • #2
    • 29th Aug 19, 10:37 AM
    Martin: 'People must not miss out due to bust bank tech'

    Get real, people are missing out because of their own incompetence for leaving things until the very last minute, they don’t deserve being given yet more time.
    • Gonna-be-debt-free
    • By Gonna-be-debt-free 29th Aug 19, 10:39 AM
    • 60 Posts
    • 53 Thanks
    Gonna-be-debt-free
    • #3
    • 29th Aug 19, 10:39 AM
    • #3
    • 29th Aug 19, 10:39 AM
    Martin: 'People must not miss out due to bust bank tech'

    Get real, people are missing out because of their own incompetence for leaving things until the very last minute, they don’t deserve being given yet more time.
    Originally posted by Keep pedalling
    Because people must be "worthy"?
    • AnotherJoe
    • By AnotherJoe 29th Aug 19, 10:48 AM
    • 16,355 Posts
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    AnotherJoe
    • #4
    • 29th Aug 19, 10:48 AM
    • #4
    • 29th Aug 19, 10:48 AM
    Its not just the volumes, its the volumes of those putting in claims even when they are pretty sure they didnt have it or making spurious claims such as for mortgages and so on and so ramping the numbers up beyond whats reasonable to cope with.

    Theres a limit to how many telephone staff etc a bank can realistically have. Might have been better to allow claims by post to be started and as long as post marked today, allow that. Then just put a recorded message on half their lines saying "please make your claim by post today to Box X, etc"
    • BoGoF
    • By BoGoF 29th Aug 19, 11:03 AM
    • 5,540 Posts
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    BoGoF
    • #5
    • 29th Aug 19, 11:03 AM
    • #5
    • 29th Aug 19, 11:03 AM
    Based on some of the garbage we see on here they will be lucky if 25% of these last gasp claims are for PPI.
    • Monkeyman87
    • By Monkeyman87 29th Aug 19, 11:56 AM
    • 10 Posts
    • 1 Thanks
    Monkeyman87
    • #6
    • 29th Aug 19, 11:56 AM
    • #6
    • 29th Aug 19, 11:56 AM
    The natwest claim form was playing up yesterday with online application service errors coming up after submitting the form.

    No idea if it went through or not so did it again later when the main site came back up and seemed to work. Wish it would send an email confirmation though, probably stop a lot of unnecessary phone calls as well.
    • Keep pedalling
    • By Keep pedalling 29th Aug 19, 12:18 PM
    • 7,188 Posts
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    Keep pedalling
    • #7
    • 29th Aug 19, 12:18 PM
    • #7
    • 29th Aug 19, 12:18 PM
    Because people must be "worthy"?
    Originally posted by Gonna-be-debt-free
    No, because they need to be responsible for their own tardiness.
    • Gonna-be-debt-free
    • By Gonna-be-debt-free 29th Aug 19, 12:50 PM
    • 60 Posts
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    Gonna-be-debt-free
    • #8
    • 29th Aug 19, 12:50 PM
    • #8
    • 29th Aug 19, 12:50 PM
    No, because they need to be responsible for their own tardiness.
    Originally posted by Keep pedalling
    It's human nature to leave things until the deadline. That's why we have deadlines. If people generally did things early, deadlines wouldn't be needed.
    • peterbaker
    • By peterbaker 29th Aug 19, 1:10 PM
    • 2,927 Posts
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    peterbaker
    • #9
    • 29th Aug 19, 1:10 PM
    • #9
    • 29th Aug 19, 1:10 PM
    Martin: 'People must not miss out due to bust bank tech'

    Get real, people are missing out because of their own incompetence for leaving things until the very last minute, they don’t deserve being given yet more time.
    Originally posted by Keep pedalling
    You get real. Most people who ever walked into a bank or who took out a credit card in the last three decades were systematically missold to.

    Banks became addicted to enormous commissions on very dodgy insurance related products and they bullied their sales staff into misselling these products at every turn.

    FSA should have clamped down on it much much sooner than they did and FCA should by now have insisted that banks write to customers about compensation owed without the need for customers to apply by a deadline.
    Last edited by peterbaker; 29-08-2019 at 1:12 PM.
    • BoGoF
    • By BoGoF 29th Aug 19, 1:55 PM
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    BoGoF
    You get real. Most people who ever walked into a bank or who took out a credit card in the last three decades were systematically missold to..
    Originally posted by peterbaker
    Really? Considering PPI hasn't been sold since circa 2010.......
    • Fingerbobs
    • By Fingerbobs 29th Aug 19, 2:04 PM
    • 811 Posts
    • 331 Thanks
    Fingerbobs
    Confession: I don't believe I've ever even had PPI, but I've put in a speculative claim to Nationwide just in case they sold me a policy with my long-cleared mortgage 20 years ago. Not expecting anything, but I was a lot less financially-savvy back then so who knows.
    • peterbaker
    • By peterbaker 29th Aug 19, 2:14 PM
    • 2,927 Posts
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    peterbaker
    Really? Considering PPI hasn't been sold since circa 2010.......
    Originally posted by BoGoF
    Unlike most bank staff who kept their heads down and sold and trained on what they were told without question beyond "and what do I get for selling it?" with the reply "you get to keep your job if you make targets consistently", I was complaining strenuously to the highest levels within my employer about several of these products and sales methods. I chose my words carefully in my earlier post. 2010 was indeed part of the last ten years, plus banks were unable to kick their greedy habit immediately so by then in league with equally greedy insurers like Aviva had launched other products for their "sellers" to thrust upon customers as soon as they were (finally) stopped from selling single premium PPI on personal loans.

    Some other types of PPI seem to continue to this day and whilst I am no longer close to it, I don't suppose the commission levels have been moderated by much since the Plevin case either?

    It seems now that the same banks were also guilty of mortgage misselling contrary to new rules commencing October 2004. Plus it is worth reminding that they have sold so many different types of insurance product with multiple different names for similar products, and all in the guise of bank services, that most of us have lost track, and so have most bank staff who never had to service what they had sold anyway. "Wham bang thank you M'am" used to be the phrase for that sort of "selling".
    Last edited by peterbaker; 29-08-2019 at 2:17 PM.
    • quoia
    • By quoia 29th Aug 19, 2:36 PM
    • 13,360 Posts
    • 141,854 Thanks
    quoia
    The natwest claim form was playing up yesterday with online application service errors coming up after submitting the form.

    No idea if it went through or not so did it again later when the main site came back up and seemed to work. Wish it would send an email confirmation though, probably stop a lot of unnecessary phone calls as well.
    Originally posted by Monkeyman87
    This PPI query form

    https://www.natwest.com/apps/secure/applicationforms_dda/asp/form.asp?appid=359

    is currently coming up

    Online Application Service Error

    Due to system problems, we are unable to progress your application at present.

    We are sorry for the inconvenience, please try again later.
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    • Gonna-be-debt-free
    • By Gonna-be-debt-free 29th Aug 19, 3:03 PM
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    Gonna-be-debt-free
    ...Plus it is worth reminding that they have sold so many different types of insurance product with multiple different names for similar products, and all in the guise of bank services, that most of us have lost track, and so have most bank staff who never had to service what they had sold anyway. "Wham bang thank you M'am" used to be the phrase for that sort of "selling".
    Originally posted by peterbaker
    Yes, yes, yes!
    • Keep pedalling
    • By Keep pedalling 29th Aug 19, 3:40 PM
    • 7,188 Posts
    • 8,405 Thanks
    Keep pedalling
    You get real. Most people who ever walked into a bank or who took out a credit card in the last three decades were systematically missold to.

    Banks became addicted to enormous commissions on very dodgy insurance related products and they bullied their sales staff into misselling these products at every turn.

    FSA should have clamped down on it much much sooner than they did and FCA should by now have insisted that banks write to customers about compensation owed without the need for customers to apply by a deadline.
    Originally posted by peterbaker
    Sorry but only if you lived on planet Zogg for the last couple of years have you a real excuse for leaving it so late.

    The only way you could make banks pay out automatically would be to declare all PPI as mis sold, which was not the case.
    • peterbaker
    • By peterbaker 29th Aug 19, 3:50 PM
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    peterbaker
    Yes this is totally unacceptable broken tech. It is the same error message when attempts are made via the RBS Online PPI Claim Form links at https://personal.rbs.co.uk/personal/support-centre/how-to-complain/ppi-complaints.html whether it is a sales complaint or a Plevin complaint form you click on. The error message URL is the same: https://www.rbs.co.uk/apps/secure/applicationforms_dda/error/system-error-page.asp

    Why oh why can RBS not perform when it comes to their IT systems? Barclays online form is up, Lloyds is up via all their various websites including Halifax, MBNA is up. Even the lowly Co-op is up.
    • peterbaker
    • By peterbaker 29th Aug 19, 3:53 PM
    • 2,927 Posts
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    peterbaker
    Sorry but only if you lived on planet Zogg for the last couple of years have you a real excuse for leaving it so late.

    The only way you could make banks pay out automatically would be to declare all PPI as mis sold, which was not the case.
    Originally posted by Keep pedalling
    It very much is the case. Plevin proved that. Plevin proved that disgraceful corporate greed was foist upon all customers by conflicted bank staff worried about keeping their jobs if they didn't push these awful products as they were told. All bank staff who were involved in bullying the staff in their charge to do this should be throughly ashamed. Many have retired on fat pensions that they do not deserve.
    • Moneyineptitude
    • By Moneyineptitude 29th Aug 19, 4:01 PM
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    Moneyineptitude
    It very much is the case. Plevin proved that. Plevin proved that disgraceful corporate greed was foist upon all customers by conflicted bank staff worried about keeping their jobs if they didn't push these awful products as they were told. All bank staff who were involved in bullying the staff in their charge to do this should be throughly ashamed. Many have retired on fat pensions that they do not deserve.
    Originally posted by peterbaker
    Plevin "proved" nothing of the sort. Not everyone who had PPI is even eligible for a Plevin refund.

    While there is no doubt that loan and credit PPI was an expensive and rubbish product that was widely mis-sold, not everyone who had it should have been automatically refunded.
    • peterbaker
    • By peterbaker 29th Aug 19, 4:27 PM
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    peterbaker
    Plevin "proved" nothing of the sort. Not everyone who had PPI is even eligible for a Plevin refund.

    While there is no doubt that loan and credit PPI was an expensive and rubbish product that was widely mis-sold, not everyone who had it should have been automatically refunded.
    Originally posted by Moneyineptitude
    Says you. The worst part of any insurance deal is grossly inflated commission if it exists. It did - with every deal the banks ever made. That is mis-selling whether you call it a Plevin refund incident or anything else. Do you know anything about how to treat an insurance customer fairly or a retail banking customer for that matter? Do you know what reasonable insurance middleman commissions look like? Do you know anything about what a proper insurance product looks like? Banks missold pretty much everything they touted. Some of them exploit elderly customers mercilessly, moving products they have sold to them over lifetimes to completely remote adminsitrations under different names, closing branches, putting poor quality staff in what remains of open branches. Paying piddling interest on savings in a currency that has been devalued 20% in the last three or four years. Some of them ran away from compliance enforcement when it got too hot - closing down entire sections of their retail insurance and investment operations more than once.

    Banks couldn't sell insurance properly for toffee. Never could, never should have, never did sell it properly, never will with the sort of staff they put in front of customers and the way they motivate/bully/"train" them.

    The PPI scandal ain't the half of it. And what is worse, the government and poodles FCA and PRA are still applying soft touch regulation. The only bankers jailed are petty thieves employed in branches. The real crooks are still retired on enormous executive pensions, laughing away scot-free.

    By the way, if anyone is interested, RBS seem to have got their online claim form up and running again - perhaps they read this thread and felt embarrassed at being odd man out
    Last edited by peterbaker; 29-08-2019 at 4:36 PM.
    • Moneyineptitude
    • By Moneyineptitude 29th Aug 19, 4:39 PM
    • 25,021 Posts
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    Moneyineptitude
    Says you.
    Originally posted by peterbaker
    Thank you for your contribution to the forum. If you want to debate this further, I suggest you post to the "Praise, Vents and Warnings" forum..
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