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bank of scotland credit care/ppi


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Hi

I took out a bos loan in nov 1999, along with this i also opened a preference account credit card. Over the last 8 years or so i have used the card normally up to the limit paying only the minimum amount each month. I now it's very silly but i have only recently taken a closer look at the statements. I now see a payment each month being taken for credit care. I have written to bos asking them firstly to cancel these payments and secondly explain to me what they are. I have recieved a letter back saying ( in Brief ) that when the loan was taken out originally the preference account was opened at the same time with the option of creidtcare, they say there is no evidence to indicate the sales process was not conducted correctly, they have also sent me a copy of the signed agreement (one agreement for the loan and creit card) with a x in the box confirming i want to take advantage of the credit care on the card account.

BOS say i would have been sent a welcome pack at the time, within this would have been documents from the insurer explaining the policy details. I should have read these and realised the policy was no good for me, and as i have not made a complaint before they cannot uphold my complaint now for mis selling of the credit care. Although in the original letter i sent i only asked for the creditcare to be cancelled and an explination of what it was and how long i had had it i never mentioned mis selling.

Is it worth persuing with the bos or should i give up now. i can not prove if i had the info they say or not, and also it has been 8 years since it was taken out and i am only now complaining. What do you think?

thanks

carole :)

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Hello spenttomuchagain:) I like the username.

 

Welcome to the PPI forum lots of very helpful people on this thread who will no doubt offer excellent advice as you proceed with your reclaim of PPI.

 

 

Hi

I took out a bos loan in nov 1999, along with this i also opened a preference account credit card. Over the last 8 years or so i have used the card normally up to the limit paying only the minimum amount each month. I now it's very silly but i have only recently taken a closer look at the statements. I now see a payment each month being taken for credit care. I have written to bos asking them firstly to cancel these payments and secondly explain to me what they are. I have recieved a letter back saying ( in Brief ) that when the loan was taken out originally the preference account was opened at the same time with the option of creidtcare, they say there is no evidence to indicate the sales process was not conducted correctly, they have also sent me a copy of the signed agreement (one agreement for the loan and creit card) with a x in the box confirming i want to take advantage of the credit care on the card account.

BOS say i would have been sent a welcome pack at the time, within this would have been documents from the insurer explaining the policy details. I should have read these and realised the policy was no good for me, and as i have not made a complaint before they cannot uphold my complaint now for mis selling of the credit care. Although in the original letter i sent i only asked for the creditcare to be cancelled and an explination of what it was and how long i had had it i never mentioned mis selling.

Is it worth persuing with the bos or should i give up now. i can not prove if i had the info they say or not, and also it has been 8 years since it was taken out and i am only now complaining. What do you think?

thanks

carole :-)

 

Do not give up just yet you have only just arrived and should I believe claim back your PPI. Please have a look at this I have already posted on another thread but would offer the same advice to get your claim started.

 

Here are a few links from the links in stickies to get your started.

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

 

for the S.A.R - (Subject Access Request)...

 

Full S.A.R - (Subject Access Request) for ppi

 

This is to find information on GE woodchester Just type in the details in the firms name box and hit submit and away you go..

 

FSA Register

 

 

and to get the information on the data controller of the firm use this link and use the search option...

 

Register of Data Controllers & their roles - Information Commissioner's Office - Information Commissioners Office

 

Hopefully this will help to get you the information to start your reclaim and Good Luck:wink:

 

Any questions just post and some nice person I am sure will respond to help;)

 

aa

 

PS I have just been successful claiming back to 1997 on Direct Line now owned by RBS so it is worth a shout to get a refund of your money.

Edited by alanalana
PS Added

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 :mad:

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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