Jump to content


Rbs/ppi


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4481 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Looking For Some Help, Have Had A Rbs Credit Card Since 1996 Months Ago I Requested A Copy Of My Cca, This Was Eventually Sent And I Discovered I Had Not Ticked For Ppi But They Have Continued To Add This For 13 Years.

I Have Complained To Rbs Eventually They Replied And Have Said That As I Have Had The Account So Long It Is Up To Me To Raise These Concerns Within A Reasonable Amount Of Time , And Due To A Significant Amount Of Time Passing And Because I Have Not Complained Before They Are Unable To Complete An Investigation Into My Concerns.

 

Surely They Must Be Liable, Any Ideas On My Next Move???????

Link to post
Share on other sites

It doesnt matter how long ago it was, you have only just become aware, due to publicity, that you were mis sold. RBS are obliged to look into your complaint regarding this.

 

They are hoping you will give up and go away. Dont.

 

If you have the information you require to make a claim already, then pop all the figures into a spreadsheet and start the process. If not, then you are going to need to invest £10.00 in a Subject Access Request.

 

Have a look at the stikkies at the beginning of this forum where you will find lots of useful advice on how to proceed.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

  • 2 weeks later...
Looking For Some Help, Have Had A Rbs Credit Card Since 1996 Months Ago I Requested A Copy Of My Cca, This Was Eventually Sent And I Discovered I Had Not Ticked For Ppi But They Have Continued To Add This For 13 Years.

I Have Complained To Rbs Eventually They Replied And Have Said That As I Have Had The Account So Long It Is Up To Me To Raise These Concerns Within A Reasonable Amount Of Time , And Due To A Significant Amount Of Time Passing And Because I Have Not Complained Before They Are Unable To Complete An Investigation Into My Concerns.

 

Surely They Must Be Liable, Any Ideas On My Next Move???????

 

 

Yes submit a formal complaint to the Financial Ombudsman Service. see this link for help...

 

Links that may help with your claim for Mis-sold PPI

Financial Ombudsman Service

 

http://www.financial-ombudsman.org.u...-insurance.pdf

 

Do not take what the RBS say as the final answer. Chase them to the end. They put me off for 12 months but I eventually got a result and money back.

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.

 

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...