Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder mo2lly Novitiate

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    Default Mint cc PPI reclaim

    Hi
    I am new to this site and I wonder if anyone has had any success in reclaiming credit card PPIicon from RBSicon Mint. I have had my card since 1999 when it was a RBS Advanta card. I stopped the ppi a few months ago when I realised that I had been paying it since I took out the card and had no idea why. As a teacher, I am pretty well covered for illness and redundancyicon, etc and the insurance would have been virtually useless to me. Of course RBS rejected my complaint with the usual guff about it being too long ago etc so I sent a letter to the fosicon together with the last two letters from RBS. They responded about a month later in late October saying that they would be sending to RBS for the relevant information but that with a high volume of complaints they were not able to deal with my case at this time. Can anyone say how long I should wait to hear from them before contacting them again? Any information, encouragement or help would be welcome.


  2. #2
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    Default Re: Mint cc PPI reclaim

    Quote Originally Posted by mo2lly View Post
    Hi
    I am new to this site and I wonder if anyone has had any success in reclaiming credit card PPIicon from RBSicon Mint. I have had my card since 1999 when it was a RBS Advanta card. I stopped the ppi a few months ago when I realised that I had been paying it since I took out the card and had no idea why. As a teacher, I am pretty well covered for illness and redundancyicon, etc and the insurance would have been virtually useless to me. Of course RBS rejected my complaint with the usual guff about it being too long ago etc so I sent a letter to the fosicon together with the last two letters from RBS. They responded about a month later in late October saying that they would be sending to RBS for the relevant information but that with a high volume of complaints they were not able to deal with my case at this time. Can anyone say how long I should wait to hear from them before contacting them again? Any information, encouragement or help would be welcome.
    I claimed against Direct Line Financial Services/RBS on loans back to 1997/1998. 7 loans. Complained to the FOS in Aug 08 settlment in Dec 08.

    It will more than likely be months rather than weeks before the FOS Make an adjudication. The good thing is they are upholding 90% of claims in favour of the claimant.

    You can always call the FOS to ask for an update on you complaint.

    The FOS have taken on more staff, but the massive increase in complaints will mean you will still have to wait for quite a while.

    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  3. #3
    Basic Account Holder mo2lly Novitiate

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    Default Re: Mint cc PPI reclaim

    Thanks alanalana, I will give it another month or so before calling the fosicon. I am determined to go through with this one to the end. In the case of Capital One, my first cc PPI reclaim I settled for the amount they offered me as a good will gesture because I desperately needed the money at the time and I have regretted it ever since as I think I would have won through the FOS. I decided not to do that in this case and to press for RBS to pay the whole amount they owe me plus interesticon. However it would be nice to think that this will not take too long to resolve as the money would be more than useful.


  4. #4
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    Default Re: Mint cc PPI reclaim

    Quote Originally Posted by mo2lly View Post
    Thanks alanalana, I will give it another month or so before calling the fosicon. I am determined to go through with this one to the end. In the case of Capital One, my first cc PPI reclaim I settled for the amount they offered me as a good will gesture because I desperately needed the money at the time and I have regretted it ever since as I think I would have won through the FOS. I decided not to do that in this case and to press for RBS to pay the whole amount they owe me plus interesticon. However it would be nice to think that this will not take too long to resolve as the money would be more than useful.
    Please have a look through my long fight with RBS.

    ***RBS PPI Claim Long fight but, WON***

    If there is anything in here you can use, letters etc please feel free but please ensure you change the details to suit your own claim

    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

    1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..
    Post 290 from
    ***RBS PPI Claim Long fight but, WON***

    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.
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  5. #5
    Basic Account Holder Gamba Novitiate

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    Default Re: Mint cc PPI reclaim

    Hi Molly

    I have also lodged 3 complaints with fosicon for RBSicon CCs.

    Please keep us updated!


  6. #6
    Basic Account Holder mo2lly Novitiate

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    Default Re: Mint cc PPI reclaim

    Will do Gamba. I e-mailed the fosicon for further information and they sent me a reply that I paraphrased in another thread a short while ago to the effect that RBSicon had raised a question of jurisdiction and that this would be looked into by the FOS. They then sent me a letter saying again that they had a lot of cases to look into so could not pass on my case to an adjudicator at this time but would contact me again certainly within the next 2 months. This was nearly a month ago so am still waiting. Good luck with your cases.


  7. #7
    Basic Account Holder mongbiff Novitiate

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    Default Re: Mint cc PPI reclaim

    sorry i haven't used this site since i claimed back my bank charges a couple of years ago and i dont seem to be able to start a thread.so i've dived in hear .sooo sorry. i want to claim back my PPIicon but i havent got the original agreements do i just ring up and ask for them or will i have to write to them also will they be funny about it ,i still have accounts with most of the banks i'll be claiming off .i pretty much know the exact dates i held all the accounts as i have sent for my credit reports off experian and equifax.again sorry for jumping in here!

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  8. #8
    Basic Account Holder TINK660 Novitiate

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    Default Re: Mint cc PPI reclaim

    Hi Mo2lly

    I think I replied to your other thread as RBSicon raised a jurisdiction issue with my complaint as well.

    I emailed fosicon as I hadnt heard anything from them and they said that they had written to RBS not agreeing with the jurisdiction issue (being that it was over 6 yearsicon ago) on the 15 December and RBS had not replied - therefore they would be going ahead with the adjudication process.

    I was pretty sure that the jurisdiction issue would not be a problem as I have successfully won (through the FOS) refunds on 2 Lombard Loans (owned by RBS) going back to the mid 1990's.

    It seems that RBS and all the others are just deploying delaying tactics - they know that they will lose but just want to string it along for a while to make it as hard as possible for the complainant.

    It my case RBS replied to my first letter to them stating that I had never had PPIicon on my cc account and therefore no refund was due. When I supplied all the statements (I keep almost everything luckily) they then said that I couldnt claim it back because it was over 6 years ago and that the FOS wouldnt take the complaint on because of this. Not the case, FOS were more than happy to take it on. So dont believe a word they say - if they can make one person back down and abandon their claim because of their lies they will.

    There doesnt seem to be any time scales that you can put on complaints being dealt with by the FOS - I have several complaint in at the moment, about 3 of which were submitted to the FOS in August - they have upheld 2 (1 refund received, 1 upheld but not received refund yet) and the other is still to be dealt with.

    I hope you get some answers soon - keep emailing the FOS, and remember patience is a virtue (not that we have any other choice!!!)

    Good luck and I hope this has been a little bit of help to you.

    GE MONEY - DEBENHAMS CARD
    Settled in full after prelim

    MBNA
    Settled after LBA
    however mistake made by me on contractual interest so going after the rest now
    SETTLED IN FULL JAN 2007

    MINT
    Offer after prelim rejected
    Settled in full after LBA


    to go:
    Barclays Bus Ac - to mcol
    Barclays CC - to mcol
    Nat West (over 6 years) no action taken yet
    Creation Financial - awaiting statements since Dec
    Goldfish - offer after prelim rejected
    and some more
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  9. #9
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    Default Re: Mint cc PPI reclaim

    mongbiff

    Sorry I wasnt ignoring you, but you would be far better to start your own thread, as your post will probably get lost in someone elses and not answered as effectively as if you have your own thread.

    GE MONEY - DEBENHAMS CARD
    Settled in full after prelim

    MBNA
    Settled after LBA
    however mistake made by me on contractual interest so going after the rest now
    SETTLED IN FULL JAN 2007

    MINT
    Offer after prelim rejected
    Settled in full after LBA


    to go:
    Barclays Bus Ac - to mcol
    Barclays CC - to mcol
    Nat West (over 6 years) no action taken yet
    Creation Financial - awaiting statements since Dec
    Goldfish - offer after prelim rejected
    and some more
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  10. #10
    Basic Account Holder mo2lly Novitiate

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    Default Re: Mint cc PPI reclaim

    Thanks Tink for the information about your own experience with the fosicon on this. It is encouraging to hear that they have rejected RBSicon on the jurisdiction issue as this should be the case with my own complaint which also dates back to 1999. I have no intention of giving in on this easily as I feel I already missed the boat once before when I accepted an offer from Capital Oneicon a few months ago for a goodwill paymenticon (I was desperate for the money at the time) and so I determined to push this one to the end. Hope you hear good news about your outstanding case with RBS soon.


  11. #11
    Basic Account Holder Gamba Novitiate

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    Default Re: Mint cc PPI reclaim

    I second that. I have not heard of anyone who has been successful against RBSicon on credit cards. I asked them why they are paying out on loans that date back to the 1990s and they said because any discussion on PPIicon was effectively a one off in the case of loans whereas with CCs there are monthly statements issued that show the PPI amount.

    That is their defence I think (along with timescales).



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