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Hello
I wrote to RBS (owners of Nat West) I have been paying PPI since 2004 and requested a refund. They are now saying the policy was provided on a "non-advice"basis and full information was given "which allowed me to decide for myself whether it was right to take this out....Therefore I made a fully informed decision to proceed with the insurance"
They have given me details of fos if I want to appeal.
Do I stand a chance???
Hello
I wrote to RBS (owners of Nat West) I have been paying PPI since 2004 and requested a refund. They are now saying the policy was provided on a "non-advice"basis and full information was given "which allowed me to decide for myself whether it was right to take this out....Therefore I made a fully informed decision to proceed with the insurance"
They have given me details of fos if I want to appeal.
Do I stand a chance???
Is the loan with RBS or Nat West?
On what grounds did you request a refund?
Have a look at these links they may help you get started.
from this sticky thread........links much more in there to read up on.
I would suggest you start be sending a Subject access request The fee is £10.00. template again in the stickies at the top of the forum.
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.
Be prepared for a long slog through the fos.I started my claim way back in Nov2007 and ive only just got a positive reply. RBS have agreed to pay back my money (without admitting liability), although i am yet to accept as they forgot to quote a figure
Anyway for the price of a stamp what have you got to lose
can you post your response that you receive from RBS so I can see the exact reasons for them not upholding your complaint then I may be able to offer advice? it is also worth requesting a copy of your application and terms and conditions.
RBS refusal to repay PPI
(owners of Nat West) I have been paying PPI
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