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I have received a letter from the fos today telling me that RBS have agreed to settle my PPI claim on a goodwill basis.
I am currently in dispute with them over my credit card, and the CCA they sent me, which i think is unenforceable (I have a thread in the RBS section about this).
The card currently has a balance of approx £4000, so my questions are:
1)Will they take the claim off my card balance ? (which i dont want), or can i ask them to pay me by cheque?
2)The letter (see below) doesnt tell me how much i will be getting, but states it will be a Full and final offer How can i accept it if i dont know the amount ?
3) I havent sent a SAR request to RBS so i have no way of finding out what they owe me, as the deadline for me to accept the offer is 7th April.
4) Would i be better to wait for the FOS to carry out there full investigation ?
I have received a letter from the fos today telling me that RBS have agreed to settle my PPI claim on a goodwill basis.
I am currently in dispute with them over my credit card, and the CCA they sent me, which i think is unenforceable (I have a thread in the RBS section about this).
The card currently has a balance of approx £4000, so my questions are:
1)Will they take the claim off my card balance ? (which i dont want), or can i ask them to pay me by cheque?
2)The letter (see below) doesnt tell me how much i will be getting, but states it will be a Full and final offer How can i accept it if i dont know the amount ?
3) I havent sent a SAR request to RBS so i have no way of finding out what they owe me, as the deadline for me to accept the offer is 7th April.
4) Would i be better to wait for the FOS to carry out there full investigation ?
Thanks for any advice
Lee
Having been through a nightmare with RBS I would suggest the following.
Firstly state you will not settle until they supply you with the actual amount you will be refunded with written confirmation that the refund will be paid to you by a personal cheque and not deducted from any outstanding balance on the card.
I settled without knowing the actual figures on advice from the FOS but it would be better if you had a figure as then you can decide to accept the adjudicators decision or turn it down and ask for the Ombudsman to become involved (this will extend the time of your complaint but it may make RBS come up with the offer you want) ie how much and by cheque payment only.
hope this helps
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Do you think it would also be a good idea to send them a Subject access request?.I know it could take up to 40days to get my statements but if i reply to the fos just before the April 7th deadline then hopefully i might get the info back from RBS before the FOS reply back to me.
Do you think it would also be a good idea to send them a Subject access request?.I know it could take up to 40days to get my statements but if i reply to the fos just before the April 7th deadline then hopefully i might get the info back from RBS before the FOS reply back to me.
many thanks
Lee
Once you have decided you have a sound case for reclaiming and the majority of people have a sound case. Then I always advise a Subject access request is submitted. Remember to send the statutory fee of £10.00
1. This shows you want all of the applicable data the bank holds on you as a data subject and that you mean business.
2. It can throw up all sorts of information that the bank has stored away about you but that you are probably not aware of.
3. It enables you to back up your claim for mis-selling in a lot of cases as the banks cannot supply the relevant information, and remember if you are reclaiming PPI as mis-sold it is up to the bank to prove otherwise.
4. Keep at them remember £10.00 fee gives some of their remaining employees something to do for a few hours or even days.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thank you for your letter regarding my complaint against The Royal Bank of Scotland Plc.
I am pleased to hear that the bank wishes to settle my complaint, although i am not willing to accept there offer until they can clarify a few issues.
1) As they are offering this as a Full and final settlement i would need to know the sum of money involved before i could accept.
2) I would also need written confirmation that any money paid to me would be by cheque only, and not to be taken off any remaining card balance.
3) I am also sending the bank a Subject access request, so that i can cross reference the banks offer against what is on the credit card statements. Therefore the 7th April deadline is impractical.
I would be grateful if you would pass this on to the bank, and hopefully they can come back with a positive response.
I look forward to hearing from you soon.
Yours sincerely
Does this look ok ? Anything i need to add or ammend ?
There is one other thing i have just realised.When i originally received the credit card from RBS it was there standard mastercard.Then sometime down the line they sent me a brand new card which was a gold card.Both cards had completely different numbers, so in effect i have had two different account numbers with RBS for the one agreement.
When i send them a SAR do i need to give them both account numbers ? Im not even sure i have the original one, or by giving the present account will this give me all the statements from day one (2003) ???
There is one other thing i have just realised.When i originally received the credit card from RBS it was there standard mastercard.Then sometime down the line they sent me a brand new card which was a gold card.Both cards had completely different numbers, so in effect i have had two different account numbers with RBS for the one agreement.
When i send them a Subject access request do i need to give them both account numbers ? In a word NO Give them the original account number only and let's see what the provide under the SAR. Make them do the work Im not even sure i have the original one, That is where the SAR comies into it's own. or by giving the present account will this give me all the statements from day one (2003) ??? If you supply the present account you are doing their work for them. You send SAR on the original and see what they come up with. Their response could be interesting
Thanks
Lee
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
Thank you for your letter regarding my complaint against The Royal Bank of Scotland Plc.
I am pleased to hear that the bank wishes to settle my complaint, although I am not willing to accept their offer until they can clarify a few issues.
1) As they are offering this as a Full and final settlement, as a goodwill gesture and without any admission of liability, I would need to know the actual figure involved before I could accept.
2) I would also require written confirmation that any refund paid to me would be by personal cheque in my name only, and that the appropriate refund should not under any circumstances be deducted from any balance remaining on the card.
3) I am also sending the bank a Subject Access Request, in line with the Data Protection Act 1998 so that I can cross reference the banks' offer against the figures shown on the credit card statements. Therefore the 7th April deadline is impractical.
I would be grateful if you would pass this on to the bank, and hopefully they will respond in a positive manner.
I look forward to hearing from you soon.
Yours sincerely
I know I have knocked it about a bit but if you are happy with the changes ok it is only a suggestion.
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
The ammended letter is excellent thanks.
I have managed to find an old card statement from 2005 which has the original credit card number, so game on and as you say it will be interesting to see what they come back with.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
My feeling is get the PPI claim sorted out ASAP, as there is every chance they will offset against any debt (whether you ask for a cheque or not)...(you seem to have done all the right things so far) but it seems crazy they haven't quoted a figure....(which you have obviously adressed in your letter above). Keep us posted....
PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.
IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU
I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU
IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.
Before you decide,consider the users here who have already offered help and support.
Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.
If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.
Sorry to highjack the thread, but we've got a claim ongoing with RBS, they have agreed to cancel the PPI saying that we were not mis-sold the policy, but, as a gesture of 'goodwill' are willing to make a payment without accepting any liability...
We've worked out what we've paid in PPI in the period of the loan. If we were to accept their offer, does anyone have any ideas on how much we would get?
if you start your own thread it will lead to less confusion and you can more easily follow the responses to your own case.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
The fos may not have been given the actual settlement figure. If you accept and then feel the amount is less than you should have been offered the you can as the FOS stated write to RBS asking them to provide details on how they arrived at the settlement figures. If you then dispute the information back to the FOS with another complaint enclosing the details supplied by RBS.
On my one of my claims I said I was not happy to sign a settlement form without knowing how much was being offered and the FOS then sent me a copy of the offer that RBS had made to the FOS. On my second claim I had the same problem as you seem to be having I accepted but insisted on a full Breakdown of how they worked out the figures.
It's your call
aa
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I think i will send the form back to them and see what they come up with.I plan on comparing any offer against the statements from my SAR when i receive it.
Also can't wait to see what CCA they come up with, regarding my original account number
RBS PPI Settlement offer
today telling me that RBS
offer
How can i accept it if i dont know the amount ?
Reply With Quote
Im not even sure i have the original one, That is where the SAR comies into it's own. or by giving the present account will this give me all the statements from day one (2003) ??? If you supply the present account you are doing their work for them. You send SAR on the original and see what they come up with. Their response could be interesting
Originally Posted by alanalana
