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PPI Help - Natwest


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Good Morning,

 

I am looking to claim back some PPI from a Natwest loan I took out (and have now finished paying) in 2004, I have wrote to NW asking for a copy of the agreement but got got a letter back saying they are under no obligation to provide this as the loan has finished, I wan to be 100% sure I did have PPi on before i Claim.

 

Where do I go from here?

 

Many Thanks

 

Garry

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was it a CCA request with £1 PO attached ?

 

if not do so.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Be aware though that if you plan to use the FOS, you must bring the complaint within 6 years of the date of the event complained about (i.e. the date they sold you the policy).

 

They also may not keep information for more than 6 years either.

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i thought PPI complaints were 'when you became aware' [limitations act 1980 sec 32c?]

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

FOS rules (DISP in the FSA Handbook) state:

 

DISP 2.8.2R:

1, 2The Ombudsman cannot consider a complaint if the complainant refers it to the Financial Ombudsman Service:

(1) more than six months after the date on which the respondent sent the complainant its final response; or

 

(2) more than: (a) six years after the event complained of; or (if later)

(b) three years from the date on which the complainant became aware (or ought reasonably to have become aware) that he had cause for complaint;

 

FSA Handbook - Full Handbook DISP 2.8

 

I believe the Limitations Act is for cases brought before the Courts?

Edited by Scooby_Doo2
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FOS rules (DISP in the FSA Handbook) state:

 

DISP 2.8.2R:

1, 2The Ombudsman cannot consider a complaint if the complainant refers it to the Financial Ombudsman Service:

(1) more than six months after the date on which the respondent sent the complainant its final response; or

 

(2) more than: (a) six years after the event complained of; or (if later)

(b) three years from the date on which the complainant became aware (or ought reasonably to have become aware) that he had cause for complaint;

 

FSA Handbook - Full Handbook DISP 2.8

 

I believe the Limitations Act is for cases brought before the Courts?

 

i'll ask martin he knows

 

i think for PPI the 'complaint' does not start until you realise you have been done...

some about concealment?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Yes we have come up against this one before.

The Limitations act is statute law.

Section 32 provides 3 avenues of recourse.

 

One of those is indeed concealment and another is mistake.

It certainly could accomodate the conditions required in 2b of the FSA requirement.

 

Dx is correct.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Fraud, concealment and mistake

 

32 Postponement of limitation period in case of fraud, concealment or mistake

 

(1) Subject to [F1subsection (3)][F1subsections (3) and (4A)] below, where in the case of any action for which a period of limitation is prescribed by this Act, either—

(a)the action is based upon the fraud of the defendant; or

(b)any fact relevant to the plaintiff’s right of action has been deliberately concealed from him by the defendant; or

©the action is for relief from the consequences of a mistake;

the period of limitation shall not begin to run until the plaintiff has discovered the fraud, concealment or mistake (as the case may be) or could with reasonable diligence have discovered it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Thanks,

 

Probably just being stupid but I can't find a template for what I need, can any of you kind people point me in the right direction?

 

Kind Regards

 

Garry :)

 

what template?

 

cca request - use the search in the blue bar above.

 

as for PPI reclaim, follow the notes for claimants stickie at the start of this forum:

http://www.consumeractiongroup.co.uk/forum/newreply.php?do=newreply&p=2807712

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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