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Reclaiming PPI from Natwest Credit Card - Help Wanted
Hi all,
I am trying to reclaim the PPI from Natwest/RBS Credit Card. I have phoned them and explained the situation to their claim centre.
I told them that I believe I was mis-sold the PPI insurance because I was never told it was included with my credit card.
I also said that I was sure I noticed it on my account a few years ago and cancelled it. I have only just started to use my card again and noticed it is back.
I received a letter back this morning saying my claim was rejected because too much time has passed since my account was created and it has been on there all the time. They say I should have noticed and complained before now because the account was opened on 28th March 2001.
Is this correct, is there a time limit?
Also a lot of the sites offering re-claiming services say you have a case if you are/were a public service employee at the time and the bank knew this or failed to ask. Why is this? I have been working for the local government since September 2000.
Re: Reclaiming PPI from Natwest Credit Card - Help Wanted
Originally Posted by SpankyMo
Hi all,
I am trying to reclaim the PPI from NatWest/RBS Credit Card. I have phoned them and explained the situation to their claim centre.
I told them that I believe I was mis-sold the PPI insurance because I was never told it was included with my credit card.
I also said that I was sure I noticed it on my account a few years ago and cancelled it. I have only just started to use my card again and noticed it is back.
I received a letter back this morning saying my claim was rejected because too much time has passed since my account was created and it has been on there all the time. They say I should have noticed and complained before now because the account was opened on 28th March 2001.
Is this correct, is there a time limit?
Also a lot of the sites offering re-claiming services say you have a case if you are/were a public service employee at the time and the bank knew this or failed to ask. Why is this? I have been working for the local government since September 2000.
You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail
You should request the following documents:
A true copy of your Consumer Credit Agreement with the terms and conditions that were applicable at the time you took the loan/card/mortgage.
Copies of all statements applicable to the loan/card/mortgage.
Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.
Copies of all recorded telephone calls or transcripts of the recordings.
A copy of the needs and demands or customer duty of care questionnaire... here is an example.
Do not be fobbed off by them citing issues such as relevant filing systems.
If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
Also please read up on the stickies at the top of the forum they may just help you along the way.
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.
Reclaiming PPI from Natwest Credit Card - Help Wanted
from Natwest
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Originally Posted by SpankyMo
