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Gamba

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Everything posted by Gamba

  1. Thanks! I know how much you love RBS LOL!
  2. Hi I have had 3 "wins" on mis-sold loan PPI. Each time I was asked to sign a form stating that I accepted the refund in full and final settlement. However, having recently seen the FOS approach to PPI refunds I believe that RBS has not re-paid the full amount. Do you think it's pointless to try and re-visit this? Should I ask the FOS? I imagine RBS will say "too bad - you signed the form". Any advice welcome! Thanks.
  3. But are they not meant to retain records for 5 years from the date there was a last transaction? Last payment was made in Oct 05 so the five years is not up. First payment was made in Sept 04.
  4. sorry - to clarify, meant that even if issue a SAR they won't find the info.
  5. Hi On my credit file I have info on a loan. However only the last 4 digits of the account is there plus payment start/end dates. I have sent off this info requesting PPI from the Bank (I know I took out PPI) but the Bank has said that they hold no info on the account. I have not issued a SAR but am worried that it's gone walkabout.. Any ideas how to proceed? Thanks!
  6. I had no problem receiving pay out on my Dorothy Perkins storecard run by Santander as this was opened post 2005. However they have refused on my Frasers card. Same circumstances - pushy sales person with no financial training. The reason I understand is cos the FLA who deal with pre 2005 claims are useless. I am going to raise a court action as I reckon they cannot justify repayment on one card and not on the other when the circumstance surrounding the complaints are identical.
  7. I second that. I have not heard of anyone who has been successful against RBS 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 PPI 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).
  8. Hi Molly I have also lodged 3 complaints with FOS for RBS CCs. Please keep us updated!
  9. Hi If the CC provider has an agreement with a PPI provider it is likely there is a beneficial financial relationship. If so, should this not be disclosed under a SAR request? And does that mean that commission could recovered in addition to the PPI by the consumer? Just a thought but would welcome any views.
  10. I have been successful on 3 RBS loans in the last wee while. 2 of them took @ 12 weeks and they sent letters as per above. Sometimes the delay is caused by the local branch being slow to send out the info - esp if the loans are old. Hang in there!
  11. With my Egg CC it took @ 10days from submitting the claim and receiving the refund against the card balance.
  12. Have just requested all my statements so will check. Thanks!
  13. All, I have just received confirmation that my CC PPI claim has been successful. Not bad since I wrote to Egg 2 weeks ago. They state that the repayments = £2895.55 and that the 8% interest = £251.79. I just wondered - does the interest sound enough? Thanks.
  14. I did try but they just said that's the way they work out interest. Maybe someone will come along and have had experience of this. Don't want to waste time with FOS but it seems odd. Foe example on charges @ £280 they state the "associated interest" is £15. Does that seem very low?
  15. Hi Does anyone know if the "associated interest" that MBNA offer when refunding is the same as the 8% the FOS award? The amount seems quite small and I just wanted to check before I go after them via the FOS. Thanks
  16. That's what I thought. Should I confirm with FOS and then write back? Their letter is not a final one so I reckon it's worth a shot.
  17. No, RBS paid me on a seperate single premium laon which I paid off in 2004. Sorry if I have been confusing. I was trying to say that I am confused by their grounds that I am out of time on the CC mis-sell, yet they have previously settled on mis-selling relating to a 2004 loan. Sorry.
  18. I cancelled the PPI on the card in 2009 but am claiming for the years I had it on the account.
  19. Hi I requested repayments on my CC. Have just had a response stating that they will not uphold my complaint as the policy was sold in 2002 and I cancelled a few mths ago. I cancelled because I had just become aware of the issue. They state that I am out of time to complain and that customers have a responsibility to raise concerns in a timely manner. They then refer me to the FOS but state that in their opinion the FOS may not be able to consider my claim due the lapse of time since I became aware of that I had cause to complain (or ought to have been aware). They then say " in
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