Rbs - ppi claim on credit card - refused

[DebtSufferer]

Hi

 

I tried to claim PPI that my sister in law has paid on a RBS Mastercard for many years, this type of insurance should never have been sold to heras she has had health issue since teenage years.

 

The reply fro the bank was more or less you ticked the PPI acceptance box so you dont have a claim.

 

SHe never ever got a copy of ths the insurance policy and when we requested a Subject Access request there was no copy of the policy in it. We wrote to them telling them there was no policy but they have not replied.

 

Please can anybody advise what to do know.

 

DS

[rebel11]

Hi debt

 

Have you had a final answer from RBS?

 

You could send the following letter regarding your SAR request:-

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear xxxxxxxx

 

DSAR Reference: xxxxxxxxxxx

 

Account Number: xxxxxxxxxxxxxxxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated xxxxxxxxxxx. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

1) You have failed to provide a Copy of the Consumer Credit Agreement.

2) etc

3) etc

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours sincerely,

 

Fill in the blanks.

 

Don't give up, thats what they want you to do

 

You've still got avenues you can take, courts, FOS.

[DebtSufferer]

Hi debt

 

Have you had a final answer from RBS?

 

You could send the following letter regarding your SAR request:-

 

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear xxxxxxxx

 

DSAR Reference: xxxxxxxxxxx

 

Account Number: xxxxxxxxxxxxxxxxxxxxx

 

I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated xxxxxxxxxxx. The disclosure of personal data is incomplete in that at least the following documents are missing.

 

1) You have failed to provide a Copy of the Consumer Credit Agreement.

2) etc

3) etc

 

This is not an exhaustive list by any means, it is just an example of some of the information I am missing.

 

Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998.

 

The time for compliance with my request has now expired. If you do not comply fully with my Subject Access Request within 7 days, I shall apply to the County Court for an order to enforce compliance, together with damages at the discretion of the court.

 

Yours sincerely,

 

Fill in the blanks.

 

Don't give up, thats what they want you to do

 

You've still got avenues you can take, courts, FOS.

 

Hi rebel

 

No..they have not giving us a final answer, and yes we have already sent a letter before action telling them they have not complied with SAR, as they did not give her a copy of the insurance policy, they only replied with a short letter stating that they have enclosed all documentation referring to the account as previously in their SAR stating that the original contract appliaction form sent to us shows that the PPI on this account was taken out at the time of application, as per marked PPI option box.

 

However as stated sis in law did not know at that time (many years ago) that pre existing conditions where not covered by PPI. It has been brought to our attention by your site.

 

Should we send another letter stating that yes she may have ticked the option box....but did not know that pre existing conditions were not covered (have already said this in first letter)...

 

ANy ideas on how you would reply to this type of letter.

 

DS

[ims21]

Hi

 

So their rejection letter didn't mention it being their final response. In that case you can go back to them.

 

You don't really need the policy and I wouldn't get hung up on that myself.

 

Did you send them a completed fos questionnaire and a spreadsheet of claim (SOC)?

 

ims

[DebtSufferer]

Hi

 

So their rejection letter didn't mention it being their final response. In that case you can go back to them.

 

You don't really need the policy and I wouldn't get hung up on that myself.

 

Did you send them a completed fos questionnaire and a spreadsheet of claim (SOC)?

 

ims

 

 

Hi ims

 

Your correct, they didn't mention it being their final response.

 

Wanted to check policy as she was self employed at the time she took PPI out as well as having previousa medical conditions.

 

Yes.. we did send completed fos questionaire and a spread sheet.

 

I have today sent them a letter more or less saying this was defo missold due to previous medical conditions and no advice from RBS. Just need to wait now and see what they have to say.

 

They have already paid up PPI on loan she had but cleared arrears with the payment however the loan wasn't a tick boc on an application form which is what they are saying, she ticked the box on the credit card application form many years ago asking for PPI but had no knowledge that it didn;t cover previsous medical conditions.

 

DS