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  • FIRST POST
    Former MSE Rose
    PPI Reclaiming Discussion Part 5
    • #1
    • 28th Feb 12, 3:40 PM
    PPI Reclaiming Discussion Part 5 28th Feb 12 at 3:40 PM



    Hi all, this thread is for discussing the
    PPI Reclaiming
    article.

    This is Part 5 of the discussion, as the last one was so long (read parts one, two, three and four). To discuss or ask a question about this article, click 'post reply'.

    To read about non FOS claims read this thread.
    Report and read success stories in this thread
    .

    Please remember:

    We're often quite laid back about discussion threads as this is a community after all.

    I'm afraid in the case of the PPI Reclaiming thread we're really going to have to ask you to keep the discussion on topic though, so that people can find the relevant information quickly and easily.

    If you do start making like-minded friends on here and would like to carry on chatting about what you did at the weekend/what you ate for dinner etc, that's fine, but the best way to do that is to go to our local pub the MoneySavers Arms where anything and everything is chatted about, start a thread there, then pop a link in here and suggest you all head over to there to chat.

    Thanks,

    MSE Rose
Page 528
    • Moneyineptitude
    • By Moneyineptitude 9th Jun 19, 7:15 PM
    • 24,049 Posts
    • 13,457 Thanks
    Moneyineptitude
    I don't know what this questionnaire is. I filled in some information when completing the resolver tool.

    Any ideas?
    Originally posted by smk77
    Contact the bank directly. Do not use any third party, even a "free"one like Resolver...
    • smk77
    • By smk77 10th Jun 19, 9:52 PM
    • 3,357 Posts
    • 2,641 Thanks
    smk77
    Contact the bank directly. Do not use any third party, even a "free"one like Resolver...
    Originally posted by Moneyineptitude
    ok but what is it that makes resolver not "free"? I thought it was basically just a template...

    EDIT: I think I found a reason..

    https://forums.moneysavingexpert.com/showpost.php?p=75885735&postcount=10518
    Last edited by smk77; 10-06-2019 at 9:55 PM. Reason: edit
    • Moneyineptitude
    • By Moneyineptitude 10th Jun 19, 10:53 PM
    • 24,049 Posts
    • 13,457 Thanks
    Moneyineptitude
    ok but what is it that makes resolver not "free"? I thought it was basically just a template...
    Originally posted by smk77
    It is, but Resolver harvests the information you provide (anonymously), so there is a price.

    Regardless, use of Resolver just adds a needless third party to your complaint and doesn't provide any significant advantage to complaining directly.
    • Rainbowgirl84
    • By Rainbowgirl84 10th Jun 19, 11:50 PM
    • 982 Posts
    • 1,719 Thanks
    Rainbowgirl84
    ok but what is it that makes resolver not "free"? I thought it was basically just a template...

    EDIT: I think I found a reason..

    https://forums.moneysavingexpert.com/showpost.php?p=75885735&postcount=10518
    Originally posted by smk77
    MSE have a stake in Resolver.
    • Moneyineptitude
    • By Moneyineptitude 11th Jun 19, 12:12 AM
    • 24,049 Posts
    • 13,457 Thanks
    Moneyineptitude
    MSE have a stake in Resolver.
    Originally posted by Rainbowgirl84
    While this is certainly true, that's not a reason to reject it's use.

    Of far more concern is the fact that it often complicates making simple complaints better sent directly to the recipient.
    • The_squirrell
    • By The_squirrell 11th Jun 19, 8:24 AM
    • 81 Posts
    • 136 Thanks
    The_squirrell
    While this is certainly true, that's not a reason to reject it's use.

    Of far more concern is the fact that it often complicates making simple complaints better sent directly to the recipient.
    Originally posted by Moneyineptitude

    Absolutely agree with this! It is always so much easier to enquire or complain directly. You will receive the same reply just as quickly, but without added complications. For example.....It is unlikely that any detailed account responses will be sent directly to Resolver for Data Protection reasons. When I send these, they will always be sent directly to a customers. So as always, use Templates and Guidance where you need to, but always deal directly. You know where your data is and what it is used for by doing this!
    I work in Data Protection and spend my days dealing with CMC's. Only here trying to help!!
    • dunstonh
    • By dunstonh 11th Jun 19, 10:07 AM
    • 98,597 Posts
    • 67,020 Thanks
    dunstonh
    ok but what is it that makes resolver not "free"? I thought it was basically just a template...

    EDIT: I think I found a reason..

    https://forums.moneysavingexpert.com/showpost.php?p=75885735&postcount=10518
    Originally posted by smk77
    MSE owns Resolver. Resolver sells your data in an aggregated form for profit.
    I am an Independent Financial Adviser (IFA). Comments are for discussion purposes only. They are not financial advice. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.
    • Nasqueron
    • By Nasqueron 11th Jun 19, 10:19 AM
    • 7,603 Posts
    • 4,836 Thanks
    Nasqueron
    MSE owns Resolver. Resolver sells your data in an aggregated form for profit.
    Originally posted by dunstonh

    Do they fully own them now? Last I heard they just had a stake in the firm
    • Moneyineptitude
    • By Moneyineptitude 11th Jun 19, 11:19 AM
    • 24,049 Posts
    • 13,457 Thanks
    Moneyineptitude
    MSE owns Resolver. Resolver sells your data in an aggregated form for profit.
    Originally posted by dunstonh
    Do they fully own them now? Last I heard they just had a stake in the firm
    Originally posted by Nasqueron
    Back in 2015, Martin Lewis was very cagey about this:
    "As part of this deal we've taken part-ownership of the company the exact share depends on quite how much we do for it, both in support and how many MoneySavers go there. As we never like to hide these things, you'll notice the link to Resolver is 'starred', which is our way of indicating we potentially stand to gain from you clicking on it"
    • tedzwedz
    • By tedzwedz 12th Jun 19, 8:52 AM
    • 9 Posts
    • 3 Thanks
    tedzwedz
    Hi,

    I tried applying for my various old credit cards (its amazing how many have merged in 18 years!) myself as it was relatively easy etc, often on the card firms own websites. This was about sept 2018.

    However, all came back saying there was no PPI they could see.

    I find that slightly unlikely given it was the last 20 years, is that a standard response, can i ask them to look again?

    Best Edward
    • zx81
    • By zx81 12th Jun 19, 9:01 AM
    • 23,003 Posts
    • 25,422 Thanks
    zx81
    No, it's not a standard response. It's a response for when they can't see any PPI on your accounts.

    If you believe you had it and they have it somewhere not easily accessible, you could submit a SAR.

    Alternatively, you can send in your own evidence of the premiums you paid.
    • The_squirrell
    • By The_squirrell 12th Jun 19, 9:31 AM
    • 81 Posts
    • 136 Thanks
    The_squirrell
    I will also add to this, that when a PPI enquiry is received, this is always investigated thoroughly to see if any PPI was taken out (at least where I work!) This is investigated just as thoroughly as a SAR, so please don't think that a SAR will be a miraculous answer and reveal all



    At the risk of repeating myself, a SAR will only yield the information that is there. If documents have been removed or destroyed in line with regulatory retention periods, then there will be nothing to provide.
    I work in Data Protection and spend my days dealing with CMC's. Only here trying to help!!
    • tedzwedz
    • By tedzwedz 12th Jun 19, 9:34 AM
    • 9 Posts
    • 3 Thanks
    tedzwedz
    Thank you, i wondered because EasyJet (for example, different industry obviously!) send a standard mail re no compensation, then when you quiz them about Euro rules etc they paid up 250, so obviously a tactic!

    Well if they said no then it must be no but since i had about 8 in the period i thought unlikely!

    Was in some case nearly 2 decades ago, no paperwork!
    best Edward
    • Nasqueron
    • By Nasqueron 12th Jun 19, 10:07 AM
    • 7,603 Posts
    • 4,836 Thanks
    Nasqueron
    Thank you, i wondered because EasyJet (for example, different industry obviously!) send a standard mail re no compensation, then when you quiz them about Euro rules etc they paid up 250, so obviously a tactic!

    Well if they said no then it must be no but since i had about 8 in the period i thought unlikely!

    Was in some case nearly 2 decades ago, no paperwork!
    best Edward
    Originally posted by tedzwedz

    It's not a tactic, it may simply be poor staff training for example.


    Clydesdale Bank Plc were given a massive fine (20m+) for pretending PPI didn't exist or not dealing with complaints properly so there is no reason for a bank to deny you had it if you did.
    Last edited by Nasqueron; 12-06-2019 at 1:05 PM. Reason: It was Clydesdale not Chelmsford who were fined
    • tedzwedz
    • By tedzwedz 12th Jun 19, 11:38 AM
    • 9 Posts
    • 3 Thanks
    tedzwedz
    ok i will leave it then! I wonder how i avoided it!
    • zx81
    • By zx81 12th Jun 19, 11:54 AM
    • 23,003 Posts
    • 25,422 Thanks
    zx81
    The same way the majority of people did.

    We just said no to at the time.
    • GraBaBargain
    • By GraBaBargain 17th Jun 19, 2:28 PM
    • 9 Posts
    • 1 Thanks
    GraBaBargain
    PPI Timeframe
    Hi, I've used the Plevin route (using resolver tool) to claim for PPI. However, I noticed the email I sent the other day through resolver, states that it was for Commission only claim, although in the description I've put about claiming for all PPI payments. I haven't claimed before.

    Was this wrong and should I have not used the Plevin route for a first time PPI claim?

    regards
    Adrian
    • Moneyineptitude
    • By Moneyineptitude 17th Jun 19, 2:55 PM
    • 24,049 Posts
    • 13,457 Thanks
    Moneyineptitude
    Please don't duplicate your posts on different threads around the forum..
    • Maybob
    • By Maybob 17th Jun 19, 6:25 PM
    • 2 Posts
    • 0 Thanks
    Maybob
    Reclaiming deceased ppi
    Hi

    My husband died 7 years ago. He was self employed- sole trader. After he died suddenly I discovered he had taken out a loan on his business unsecured in his name. I was devastated as I knew nothing about it and it compounded my grief. A good friend sorted everything out and the bank wrote off the debt. It has been suggested now that I look into the possibility of claiming any ppi he may have taken out. I'm worried that I may be opening a 'can of worms' and that if I did receive anything then the bank may come back to me to claim it as I was the sole executor and I may be worse off! I don't know what to do. Any ideas anyone?
    • Moneyineptitude
    • By Moneyineptitude 17th Jun 19, 6:31 PM
    • 24,049 Posts
    • 13,457 Thanks
    Moneyineptitude
    If debt was written off then monies still technically owed can be offset against any PPI redress.



    Do you even know if he had PPI? If not, the Bank are unlikely to have records of a person long deceased.

    In your case, I'd leave it.
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