Thread: bank of scotland credit care/ppi

Hello spenttomuchagain I like the username.

Welcome to the PPI forum lots of very helpful people on this thread who will no doubt offer excellent advice as you proceed with your reclaim of PPI.

Hi
I took out a BOS loan in nov 1999, along with this i also opened a preference account credit card. Over the last 8 years or so i have used the card normally up to the limit paying only the minimum amount each month. I now it's very silly but i have only recently taken a closer look at the statements. I now see a payment each month being taken for credit care. I have written to bos asking them firstly to cancel these payments and secondly explain to me what they are. I have recieved a letter back saying ( in Brief ) that when the loan was taken out originally the preference account was opened at the same time with the option of creidtcare, they say there is no evidence to indicate the sales process was not conducted correctly, they have also sent me a copy of the signed agreement (one agreement for the loan and creit card) with a x in the box confirming i want to take advantage of the credit care on the card account.
BOS say i would have been sent a welcome pack at the time, within this would have been documents from the insurer explaining the policy details. I should have read these and realised the policy was no good for me, and as i have not made a complaint before they cannot uphold my complaint now for mis selling of the credit care. Although in the original letter i sent i only asked for the creditcare to be cancelled and an explination of what it was and how long i had had it i never mentioned mis selling.
Is it worth persuing with the bos or should i give up now. i can not prove if i had the info they say or not, and also it has been 8 years since it was taken out and i am only now complaining. What do you think?
thanks
carole

Do not give up just yet you have only just arrived and should I believe claim back your PPI. Please have a look at this I have already posted on another thread but would offer the same advice to get your claim started.

Here are a few links from the links in stickies to get your started.

For claims before 2005 and the FSA ruling from which campaign
How to tell if you’ve been mis-sold PPI
Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI


for the S.A.R - (Subject access request)...

Full S.A.R - (Subject access request) for ppi

This is to find information on GE woodchester Just type in the details in the firms name box and hit submit and away you go..

FSA Register


and to get the information on the data controller of the firm use this link and use the search option...

Register of Data Controllers & their roles - Information Commissioner's Office - Information Commissioners Office

Hopefully this will help to get you the information to start your reclaim and Good Luck

Any questions just post and some nice person I am sure will respond to help

aa

PS I have just been successful claiming back to 1997 on Direct Line now owned by RBS so it is worth a shout to get a refund of your money.