Thanks mate!

Hi Mate, From my own experience they were pretty good, they phoned me up saying they were stuggling to find my documents and requested some more info, a few weeks later i got them through the post. I think it took around 45 days from me requesting them to them sending them in the post.

PPI claim against Natwest (RBS). I had an offer today for £5148.23!! I am very happy and so glad i wrote that 1st letter in June!! Really didn't expect to get anything off them so i'm very pleased.

JUST A QUICK UPDATE I had an offer from RBS today for £5148.23!! I am very happy with the offer and have accepted.

Questions are as follows and the answers i have put in bold: 1. Please confirm your employment status when you applied for the policy. Employed 2. Please confirm total working hours per week when you applied for the policy. 37.5 3. Provide details of any policies that you held or why you now feel that you had no requirement for the plan. I have left this blank 4. Please confirm how you applied for the policy, through branch, over the phone or the internet. I was called into my local branch for a 'Financial Review', so the loan was sold person to person. 5. Please provide your recollections of the description of the policy that was given to you by the seller. If you believe the plan differs to the description given, please explain how. I wasn't told about any ppi policy, no details were provided at all. 6. Did you provide the member of staff with any details of any cover that was in place before proceeding with the application and what was the sellers response. No, ppi was not discussed at all. 7. Did the salesperson provide you with any brochures / literature regarding the policy and level of service that was being offered to you. If so please list the titles of these documents and if possible provide copies. None. 8. If there are any further issues you would like the office to inverstigate, please detail them below. I feel i was mis-sold ppi as nothing was explained to me or any information given on it. The salesman automatically added this to my loan without discussing it and it wasn't made clear that this was optional. 9. Please provide any other information that you feel may be releveant to your claim. If the salesman had been clearer and stated tha ppi was optional and not needed to have the loan approved i would have declined it. The interest charge for it and what it covered was never explained to me at all. Then there is space for additional comments. I didn't realise i had signed up for ppi until i phoned up for a settlement figure 4 years into the loan period. I was shocked to learn that i still owed £19000 on a £23000 loan after 4 years of payments. It was explained to me that the ppi was part of the reason for this. I had no idea how much the ppi was costing me or that it could be cancelled. I know now that the salesman didn't mention this as i would not have accepted the loan.

hellhasnofury - Thanks for the advice. I've only just got round to reading your reply so i have had a bit more progress on my claim. I sent the first letter of complaint about the ppi to the same place that sent me my loan documents i requested. The address was: PPI Concerns Team Regulatory Risk 5th Floor, 1 Hardman Boulevard Manchester M3 3AQ I got a reply in the post today explaining that they are investigating my claim and they have sent me a questionaire to fill in but they state it is NOT mandatory that i send it back. I think i will fill it in as there are some points on there as to why i think it was mis-sold. Also all correspondence i am getting is from RBS, do they own Natwest? They have assigned a case manager and hope to have a decision with 4-8 weeks.

I got my loan details i requested in the post today, well over 40 days after applying for them but i did give them the wrong account number. Anyway i just need some advice on what strategy to use when i write back to them. The figures are: Loan Date 23.3.01 Loan amount £23000 PLP premium £5290 No of payments 120 Total interest 13903.20 Total payable £42193.20 Monthly payment £351.61 APR 8.9% On the form i have signed, the box has been crossed that i do want ppi but i was never asked this, they made me an appointment for a financial review and told me they could make my monthly payments a lot smaller, the sales guy came up with this loan and just told me to sign at the bottom, he never explained ppi or that it was optional, just to sign at the bottom. I did pay this off early, in 2005 i phoned up for a settlement figure and to my horror it was still £19200! So i had only paid off £3800 of the loan amount in 48 payments of £351.61. The guy on the phone said it was due t the ppi and the apr rate. So i took out a new loan for £!9200 with no ppi and over a smaller period just to pay if off. How do you work out the interest on the ppi as it was just added to the loan amount and 1 percentage rate of 8.9% for the whole loan. I want to get the figures right for when i contact them by letter. Any help or advice is appreciated.