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Looking For Some Help, Have Had A RBS Credit Card Since 1996 Months Ago I Requested A Copy Of My Cca, This Was Eventually Sent And I Discovered I Had Not Ticked For PPI But They Have Continued To Add This For 13 Years.
I Have Complained To Rbs Eventually They Replied And Have Said That As I Have Had The Account So Long It Is Up To Me To Raise These Concerns Within A Reasonable Amount Of Time , And Due To A Significant Amount Of Time Passing And Because I Have Not Complained Before They Are Unable To Complete An Investigation Into My Concerns.
Surely They Must Be Liable, Any Ideas On My Next Move???????
It doesnt matter how long ago it was, you have only just become aware, due to publicity, that you were mis sold. RBS are obliged to look into your complaint regarding this.
They are hoping you will give up and go away. Dont.
If you have the information you require to make a claim already, then pop all the figures into a spreadsheet and start the process. If not, then you are going to need to invest £10.00 in a Subject access request.
Have a look at the stikkies at the beginning of this forum where you will find lots of useful advice on how to proceed.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Looking For Some Help, Have Had A RBS Credit Card Since 1996 Months Ago I Requested A Copy Of My Cca, This Was Eventually Sent And I Discovered I Had Not Ticked For PPI But They Have Continued To Add This For 13 Years.
I Have Complained To Rbs Eventually They Replied And Have Said That As I Have Had The Account So Long It Is Up To Me To Raise These Concerns Within A Reasonable Amount Of Time , And Due To A Significant Amount Of Time Passing And Because I Have Not Complained Before They Are Unable To Complete An Investigation Into My Concerns.
Surely They Must Be Liable, Any Ideas On My Next Move???????
Yes submit a formal complaint to the Financial Ombudsman Service. see this link for help...
Do not take what the RBS say as the final answer. Chase them to the end. They put me off for 12 months but I eventually got a result and money back.
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.
Rbs/ppi
Credit Card Since 1996 Months Ago I Requested A Copy Of My Cca, This Was Eventually Sent And I Discovered I Had Not Ticked For PPI
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Originally Posted by pinky123
