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  • FIRST POST
    • Expired
    • By Expired 1st Nov 19, 6:53 PM
    • 27Posts
    • 2Thanks
    Expired
    Ppi dispute
    • #1
    • 1st Nov 19, 6:53 PM
    Ppi dispute 1st Nov 19 at 6:53 PM
    I have successfully complained 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.

    One recent bank in particular has rejected my complaint under Plevin as my account was closed beforehand in 2004.

    They even sent me a letter stating that I had paid ppi but was not eligible to receive said ppi award.

    Martin Lewis in one article stated that if you had an account up to 2006 where banks were receiving large fines for missold ppi then customers had the right to complain ppi.

    Because of this information I progressed further with the ombudsman and forwarded the letter from bank.

    The Ombudsman states that there was no case to answer as the bank had sent a scanned document seemingly with the ppi insurance box ticked.

    I angrily responded stating hold on a minute, I have successfully complained against ppi insurance from half a dozen banks under the same circumstances that I have never agreed to ppi and received full sick pay, if the box was ticked then said scanned document has been doctored which is fraud.

    I am now making a final appeal with ombudsman as the original appeal was only first level step with an adjudicator.

    What is more suspicious is with my complaint with said bank their initial response was I was not eligible under the plevin rule, so why did they not mention originally that I had seemingly ticked ppi box and was not entitled to a ppi award.

    It looks like they are trying their best not to pay out by any means even if it includes altering a customers application.
    Last edited by Expired; 02-11-2019 at 2:46 PM. Reason: Typo
Page 1
    • brettcta
    • By brettcta 1st Nov 19, 7:03 PM
    • 3,734 Posts
    • 3,563 Thanks
    brettcta
    • #2
    • 1st Nov 19, 7:03 PM
    • #2
    • 1st Nov 19, 7:03 PM
    In order for a PPI policy to eligible for Plevin it needs to meet strict criteria.
    If the account was opened prior to 6 April 2007 it had to be open past 6 April 2008.

    If the account was opened post 6 April 2007, itís eligible.

    The rules are different for mortgage accounts.

    Re the ticking of a ĎYes PPIí box - Youíre alleging fraud which is a very serious accusation. If you have proof that you never ticked a form and that the bank have ticked that afterwards, then you can pursue through the courts. You not remembering, however, isnít evidence of fraud.
    Last edited by brettcta; 01-11-2019 at 7:06 PM.
    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)
    • SonOf
    • By SonOf 1st Nov 19, 7:18 PM
    • 1,867 Posts
    • 2,120 Thanks
    SonOf
    • #3
    • 1st Nov 19, 7:18 PM
    • #3
    • 1st Nov 19, 7:18 PM
    One recent bank in particular has rejected my claim under Plevin as my account was closed beforehand in 2004.
    Plevin relies on S140a of the consumer credit act 2006 (effective 2008).

    So, as 2004 is before 2008, it does not qualify under plevin.

    Martin Lewis in one article stated that if you had an account up to 2006 where banks were receiving large fines for missold ppi then customers had the right to claim ppi.
    Plevin has nothing to do with misselling. It is a secondary issue that everyone missed for a number of years. I don't believe that there have been any fines issued to date in respect of Plevin.

    I angrily responded stating hold on a minute, I have successfully claimed ppi insurance from half a dozen banks under the same circumstances that I have never agreed to ppi and received full sick pay, if the box was ticked then said scanned document has been doctored which is fraud.
    What other banks may have chosen to do is completely irrelevent. Maybe those other banks auto-paid out. Maybe their PPI product didnt pay out in addition to sick pay (most do). Maybe the PPI covered different debts (for example, most loan PPI complaints succeed. Credit card is about 50% and most mortgage PPI complaints fail). PPI comes in different forms. Some is very poor. Some is very good. Some were sold with poor processes. Some were sold with good processes. Sometimes banks went through periods when they were poor but then improved.

    I am now making a final appeal with ombudsman as the original appeal was only first level step with an adjudicator.
    Which you are entitled to do but dont expect it to change. Statistically, its under 1 in 10 cases that get overruled and most of those are on complicated areas and not easy stuff like PPI.

    What is more suspicious is with my claim with said bank their initial response was I was not eligible under the plevin rule, so why did they not mention originally that I had seemingly ticked ppi box and was not entitled to a ppi claim?
    You may wish to read their response again. All rejected complaints are required to automatically assess it under plevin and state the outcome. So, your response should say why they rejected your complaint and then why they rejected plevin.

    It looks like they are trying their best not to pay out by any means even if it includes altering a customers application.
    That is an extremely serious allegation that can lead to imprisonment of the person involved. Then again, the bank has an application showing it ticked. They also had a credit agreement signed by you confirming it that would have shown the payment cost included on it.
    • Moneyineptitude
    • By Moneyineptitude 1st Nov 19, 10:10 PM
    • 25,012 Posts
    • 14,485 Thanks
    Moneyineptitude
    • #4
    • 1st Nov 19, 10:10 PM
    • #4
    • 1st Nov 19, 10:10 PM
    I angrily responded stating hold on a minute, I have successfully claimed ppi insurance from half a dozen banks under the same circumstances that I have never agreed to ppi and received full sick pay, if the box was ticked then said scanned document has been doctored which is fraud.
    Originally posted by Expired
    Getting angry and throwing about unsubstantiated accusations of criminality is not going to get you anywhere I'm afraid.

    Since banks never reveal why they have upheld a PPI complaint, it's likely the other banks refunded your PPI for reasons which had little or nothing to do with the actual reasons you gave.

    You'll therefore never know why the other Banks refunded you and you certainly can't use your success elsewhere as a bulwark against another Bank (or the Ombudsman).

    If you seriously think (and have compelling evidence) that there was fraud you should be contacting the police, not making a mis-selling complaint...

    The Ombudsman may yet uphold your complaint, but it's unlikely given that both the Bank and a FOS adjudicator have already rejected it...
    • -taff
    • By -taff 2nd Nov 19, 1:24 AM
    • 10,647 Posts
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    -taff
    • #5
    • 2nd Nov 19, 1:24 AM
    • #5
    • 2nd Nov 19, 1:24 AM
    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.
    Originally posted by Expired

    Not a bulletproof complaint reason depending on the PPI.


    One recent bank in particular has rejected my claim under Plevin as my account was closed beforehand in 2004.
    Originally posted by Expired

    As they should because Plevin does not apply [ see replies above why not]


    They even sent me a letter stating that I had paid ppi but was not eligible to receive said claim.
    Originally posted by Expired

    You're not claiming, you're complaining. And this part of the letter has the rejection reason in it. What does it say?


    Martin Lewis in one article stated that if you had an account up to 2006 where banks were receiving large fines for missold ppi then customers had the right to claim ppi.
    Originally posted by Expired

    No. Customers have the right to complain about PPI, never ever claim...



    The Ombudsman states that there was no case to answer as the bank had sent a scanned document seemingly with the ppi insurance box ticked.
    I angrily responded stating hold on a minute, I have successfully claimed ppi insurance from half a dozen banks under the same circumstances that I have never agreed to ppi and received full sick pay, if the box was ticked then said scanned document has been doctored which is fraud..
    Originally posted by Expired

    That's probably not what the ombudsman said, what exactly did they say?
    You might have successfuly complained about PPI, but what one bank does, another may not. To me, it sounds as if you might have a pre regulation complaint...Who did you complain to?
    • Moneyineptitude
    • By Moneyineptitude 2nd Nov 19, 8:42 AM
    • 25,012 Posts
    • 14,485 Thanks
    Moneyineptitude
    • #6
    • 2nd Nov 19, 8:42 AM
    • #6
    • 2nd Nov 19, 8:42 AM
    To me, it sounds as if you might have a pre regulation complaint...
    Originally posted by -taff
    No access to FOS for pre-regulation complaints, of course.

    Customer has clearly complained that the PPI was added without his knowledge or permission and the Bank have responded with signed documentation suggesting otherwise. The Customer refutes this evidence saying it is fraudulent.
    • Expired
    • By Expired 2nd Nov 19, 12:48 PM
    • 27 Posts
    • 2 Thanks
    Expired
    • #7
    • 2nd Nov 19, 12:48 PM
    Ppi
    • #7
    • 2nd Nov 19, 12:48 PM
    Thanks for all the feedback guys, the ombudsman did respond saying they received a scanned document of the ppi box ticked and as evidence provided they decided not to continue my appeal, this was also confirmed over the telephone.

    I do know about plevin, what I was trying to explain is that Martin Lewis stated that even companies who were being fined up to 2006 for the mis-selling of ppi and the fact at that timescale of my closed account in 2004 individuals could still make a complaint through ppi which I did through resolver and was successful with other complaints.

    I was successful with one complaint for ppi under plevin.

    I have every right to be angry as I have never agreed to ppi insurance.

    So thank you for all of your responses, much appreciated,

    I don’t hold out much hope for final appeal, but fingers crossed.
    Last edited by Expired; 02-11-2019 at 1:42 PM. Reason: Typo
    • zx81
    • By zx81 2nd Nov 19, 12:51 PM
    • 24,336 Posts
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    zx81
    • #8
    • 2nd Nov 19, 12:51 PM
    • #8
    • 2nd Nov 19, 12:51 PM
    companies who were being fined up to 2006 for the misspelling of ppi
    Originally posted by Expired
    That's pretty harsh. I mean, it's only three letters.
    • Expired
    • By Expired 2nd Nov 19, 12:54 PM
    • 27 Posts
    • 2 Thanks
    Expired
    • #9
    • 2nd Nov 19, 12:54 PM
    • #9
    • 2nd Nov 19, 12:54 PM
    To Moneyinep you have clearly hit the nail on the head. I am a retired gentleman with over 20 years managerial experience who does not like being fobbed off with some scanned document that I seemingly ticked knowing that I have never agreed to ppi in my life.

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

    Anyone in my shoes would take the matter further through the ombudsman, as stated I have been using Resolver and have been successful with said ppi complaints.

    So thank you for your response.
    Last edited by Expired; 02-11-2019 at 1:37 PM. Reason: Typo
    • Expired
    • By Expired 2nd Nov 19, 12:57 PM
    • 27 Posts
    • 2 Thanks
    Expired
    The iPad has a habit of auto correcting words incorrectly lol
    • Expired
    • By Expired 2nd Nov 19, 12:59 PM
    • 27 Posts
    • 2 Thanks
    Expired
    Ppi
    Itís correct what they did say, scanned document was used as evidence against my appeal.
    • Expired
    • By Expired 2nd Nov 19, 1:10 PM
    • 27 Posts
    • 2 Thanks
    Expired
    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
    • By Takmon 2nd Nov 19, 1:11 PM
    • 954 Posts
    • 965 Thanks
    Takmon
    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.
    Originally posted by Expired
    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.
    • Expired
    • By Expired 2nd Nov 19, 1:12 PM
    • 27 Posts
    • 2 Thanks
    Expired
    Ppi
    I never said I donít remember?
    • Expired
    • By Expired 2nd Nov 19, 1:17 PM
    • 27 Posts
    • 2 Thanks
    Expired
    Ppi
    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.
    • Expired
    • By Expired 2nd Nov 19, 1:21 PM
    • 27 Posts
    • 2 Thanks
    Expired
    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?
    Last edited by Expired; 02-11-2019 at 1:29 PM.
    • Expired
    • By Expired 2nd Nov 19, 1:28 PM
    • 27 Posts
    • 2 Thanks
    Expired
    Thanks guys for all your helpful advice and comments. Bye for now.
    • Expired
    • By Expired 2nd Nov 19, 1:49 PM
    • 27 Posts
    • 2 Thanks
    Expired
    Ppi
    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.
    Originally posted by Takmon
    Finally, Takmon the accounts were varied over An 18 year period, not all at one time.
    Last edited by Expired; 02-11-2019 at 1:52 PM. Reason: Typo
    • Expired
    • By Expired 2nd Nov 19, 2:40 PM
    • 27 Posts
    • 2 Thanks
    Expired
    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.
    Last edited by Expired; 02-11-2019 at 2:48 PM.
    • Takmon
    • By Takmon 2nd Nov 19, 8:09 PM
    • 954 Posts
    • 965 Thanks
    Takmon
    Finally, Takmon the accounts were varied over An 18 year period, not all at one time.
    Originally posted by Expired
    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?
    Originally posted by Expired
    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.
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