Update: Called RBS today and they completely skirted the issue and just asked us to put a complaint in a letter and send to them. We will post this out today asking for complete disclosure to the way they came to their decision including a complete breakdown. Worth a try i'm guessing. Mith

ok thanks for replies. I think what we will do is firstly give them a call tomorrow and see if they can explain this and if that doesn't work we will try and obtain the SAR again and see where it leads from there. I will keep you posted for future ref. Mith

I sent them a SAR but they returned it including the cheque for £10 stating that I would have to send one to each of the different departments for full copies etc. They gave me addresses for loan, cc and mortgages etc. That would be £30 in total... I'm guessing my question is before i go to that expense : because we have accepted and received the offers, can we then go back to them and say "hang on I think you have made a mistake?"

We don't have all the paperwork. They sent us letters stating for example: For one we received an offer of and accepted £376.82 but on the letter we received today the same loan number states Total premium paid as £2060.00

Hi All I'm very new to this and forums so here goes. My partner called RBS up to get details of PPI account numbers she had on a chain of loans. She was given the information and the staff member took her through the process over the phone for claimback. About 1 week later we received letter with 5 offers for each part of the loan chain. We looked at the offer and the way it was presented looked reasonable. They stated on each offer that "the bank is prepared to refund the insurance premiums and interest that you have paid" However, while chasing details for a mortgage with a different department the staff member said if we would like he would send us copies of all the ppi we have with RBS. We received this today and the accounts (which I mention above and have accepted the offers and been paid) have much higher premiums paid that stated in the acceptance letter. My question - at long last - is We have accepted the offers and been paid - do we have any grounds to now appeal this on the grounds that a) they didn't give us the entire facts b) they stated in the letter that they were going to refund the premiums plus interest. Any guidance would be kindly received Mith