PPI refund even though I may not have even had a policy

[Gilbert_O'Sullivan]

This is odd.

After reading things on here I thought I'd have a go at reclaiming.

 

I've had lots of loans in the past so I sent off a PPI claim to a past provider about a couple of weeks ago.

 

I enclosed my mobile number and I had a call an hour ago and it was the provider who says they can't find any paperwork other than the account number I gave them which is on their computer and that it is marked settled as I paid it off in 2005.

 

The lady said would I accept £600 as final offer so i said yes as its what I claimed and shes putting it in a letter for me to sign and then I get a cheque.

 

But I'm now certain I didn't even have PPI, what should I do?

 

and should i name them?

[militantconsumer]

Sounds very suspicious. Why would they offer £600 if you never had PPI?

 

How can you be sure they didn't add some PPI into the loan without you knowing? You might be owed a lot more than £600.

[alanalana]

hello GOS and MC,

 

Sounds very suspicious. Why would they offer £600 if you never had PPI?

 

How can you be sure they didn't add some PPI into the loan without you knowing? You might be owed a lot more than £600.

 

I agree with Militantconsumer be very suspicious of an offer like this. They could owe you a lot more than what they are offering.

 

Go through the procedures of CCA request SAR get all the information for the cost of CCA £1.00 and SAR £10.00. do not accept until you have all of the relevant information from them. They could be selling you short on mis-sold PPI.

 

Their offer could save them loads of money if you accept.

 

aa

[Gilbert_O'Sullivan]

Hmmm, she seemed a very young lady but she obviously was told to tell me what she was told to tell by her boss.

 

Thing is, she said they got no record other than the account number I gave from my old bank statements and she could see that the account was settled as I paid it up but she had no other record.

 

£600 may be £600 more than what I could get because I just don't think I actually had PPI.

 

wHAT is the bargaining position because they have no paperwork other than recognising that I did have a loan in the past with them?

[militantconsumer]

Send the formal request under Data Protection Act. You will probably find that they have much more information than they told you on this occasion. I know it's tempting to take the money and run but you might be entitled to a LOT more - many people didn't think they had PPI but it turns out it was added without their knowledge, and it cost them thousands of pounds.

[lilal]

it,s gotta be ge

[alanalana]

hello GOS, MilitantConsumer and lilal,

 

Hmmm, she seemed a very young lady but she obviously was told to tell me what she was told to tell by her boss.

 

Thing is, she said they got no record other than the account number I gave from my old bank statements and she could see that the account was settled as I paid it up but she had no other record.

 

£600 may be £600 more than what I could get because I just don't think I actually had PPI.

 

wHAT is the bargaining position because they have no paperwork other than recognising that I did have a loan in the past with them?

 

Send the formal request under Data Protection Act. You will probably find that they have much more information than they told you on this occasion. I know it's tempting to take the money and run but you might be entitled to a LOT more - many people didn't think they had PPI but it turns out it was added without their knowledge, and it cost them thousands of pounds.

The advice I would offer is:

1. Send a formal Data Subject Access Request with a fee of £10.00 as required by the Data Protection Act 1998.

2. Insist that you are provided with all information that refers to you as a data subject in any format that is held on any filing system whether a recorded system system or any other system they use to keep records.

3. Do not accept their view that the filing system must be a part of a formal filing system recognised by the FSA. FOS etc.

4. Make life as difficult for them as they have made life difficult for you.

5. Ask yourself these questions:

a. Did my bank respect me as a customer?

b. Were my bank fully conversant with my needs as a customer?

c. Did my bank deal with me in a respectful manner after I started my claim?

d. Was I dealt with in a fair manner by my bank after I requested a refund of PPI?

e. Were my bank prepared to pay back any due monies after the FOS adjudicator ruled in my favour?

f. Is my bank prepared to go to Court to try and retain PPI that they added to my Loan (in some cases without any authority or enforceable Credit agreement)

Another rant over

aa;)

I just have a thing about PPI sorry:D