Jump to content

 

BankFodder BankFodder


style="text-align:center;"> Please note that this topic has not had any new posts for the last 2717 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi,

 

I'm new on here, hope you can help :-D

 

Some weeks ago I posted my PPI reclaim documents to my bank (NatWest) and a few days later I received a text message from RBS saying,

 

"Thank you for letting us know about your concerns regarding your PPI policy. We will acknowledge receiept in writing within the next 5 working days."

 

This was about 5 weeks ago, since then I've heard nothing. Not received any written acknowledgement, email or any other texts. Is this normal?

What should I do now? It seems from the text I received that they have got my documents but since then nothing has been actioned. Should I give them more time or should I chase this up? (who do I speak to?)

 

Hope one of you guys could help me with this.

 

Thanks for your time.

 

Ginger.

Share this post


Link to post
Share on other sites

Hi

 

Having acknowledged receipt of your claim they have 8 weeks to investigate and give you a final decision.

 

I'd wait the 8 weeks they are allowed and if nothing has happened then you put the screws on.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi,

 

Many thanks for your reply.

 

OK, yes, I'll wait the eight weeks for an answer back from them but do you think that as I haven't received any written confirmation from them that's it's a sign that they are not willing to take my complaint any further?

 

Thanks again,

 

Ginger.

Share this post


Link to post
Share on other sites

Not necessarily.

 

Hang on to the text you received as that is an acknowledgement of your claim.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi,

 

It has now been 6 weeks since I received a text from RBS (7 weeks since I actually sent my documentation) to say they have received my claim for PPI. The text said that I would hear again from them within 5 working days with written acknowledgement of the receipt. I have not had any confirmation from the bank since I received that text.

 

 

  • Why did I receive a text from RBS when it is actually Natwest that I am claiming back PPI from?

 

  • Should I contact the bank to advise that I have not received written confirmation from them?

 

  • As they have 8 weeks to reply, should I just sit-it-out until the 8 weeks are up?

Any help with this is greatly appreciated.

Regards,

Chris.

Share this post


Link to post
Share on other sites

RBS owns natwest.

 

If they have 8 weeks to reply, then wait for those 8 weeks to be up. Then consider further action.


Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

Share this post


Link to post
Share on other sites

Natwest is part of the RBS group.

 

Yes you should contact them again, do it by text and email demanding a response withing 2 business days.

Share this post


Link to post
Share on other sites

Hi,

 

It's been about 8 weeks since I completed my PPI forms and sent these away (recorded delivery). A few days later I did receive a text to say that my forms had been received and that I would get a written receipt of acknowledgement (I never got any written receipt).

 

As I have not heard anything from the bank with regards my PPI reclaim enquiry what course of action do I take now? It seems very strange that hey would send me a text to say they had the form but then take no action over it.

 

As always, any help is greatly appreciated.

 

Regards,

 

Chris.

Share this post


Link to post
Share on other sites

Send them a reminder letter saying they are over the time limit allowed and that you now expect a full response within 14 days or else you will lodge the complaint with fos.

 

Who is the lender?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi ims21

 

Thanks for your reply.

 

Just a bit of an update: Today I receive a written acknowledgement of my claim for my PPI but get this, the date on the letter is August 9th!

 

Sheesh! :-x

 

I may still send them a letter outlining the fact that their time is just about up!

 

Cheers again,

 

Chris.

Share this post


Link to post
Share on other sites

is this RBS by any chance??

Share this post


Link to post
Share on other sites

Hi 007coot,

 

Sorry, yes, yes it is RBS:-) (how did you know? are they renowned for this type of slow, lacklustre service?)

 

Regards,

 

Chris.

Share this post


Link to post
Share on other sites

Hi Chris, they were like this with my SAR request until I reported them to ICO now they have miraculously found all my data including agreements, They have also sent me the same text but they still have a few weeks left. I'd definately follow the advice of sending a reminder letter and if you do report them to FOS send them another letter telling them you have. This is what i did with ICO and they acted upon it before ICO even had chance to contact them. I've found that with these companies if they realise you don't make idle threats they are more likely to take you a little more seriously. Good luck with your claim :-)

Lisa

Share this post


Link to post
Share on other sites

Hi Lisa,

 

Thanks for your reply.

 

I have amended my letter of complaint to include information on the letter of the acknowledgement that I only received yesterday (that is dated 09/08/2012).

As they have a week until their allotted 8 week resolution period is up, I might wait until the end of this week until I send my complaint letter to them and to FOS.

I'll keep you posted...

 

Thanks for your help again :-D

 

Chris.

Share this post


Link to post
Share on other sites

Hi,

 

Update.

 

Having only received their written acknowledgement on Saturday of the documents I sent to them 7weeks ago(!) I today received the banks decision.

 

No. They have decided not to uphold my concerns about the way PPI was sold to me.

They sent me a whole load of photocopied documents from the time I took out the policy (what I signed and ticked for at the time) along with a dossier containing - my concerns, their investigation, the mortgage offer, specific complaint points, their decision and what I can do next.

 

 

Essentially, what they are saying is that I made an informed decision to proceed with the insurance on the remortgage and I knew what I was signing for.

 

Ah well, looks like 'I'm bang to rights' eh? Don't think it would be worth taking to the FOS as it looks like the evidence is heavily stacked against me.

 

Anyways, good luck to everyone else, thanks for all your help with my case.

 

Regards,

 

Chris.

Share this post


Link to post
Share on other sites

What were the reasons you gave for the mis-sale?


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi ims21,

 

I was strongly advised to go for the protection and I really thought that it was something that came with the remortgage. It was sold to me like it was a condition of the loan.

In reality, I know it's my word against theirs and that's why it seems pointless to fight for something that I have no chance of getting.

 

Cheers,

 

Chris.

Share this post


Link to post
Share on other sites

Well if it were me I wouldn't give up at the first hurdle.

 

You have nothing to lose by passing it to fos and maybe give them some more reasons why you felt your were mis-sold.

 

In the PPI stickies there is a thread called "some notes for claimants"....have a read and see if any other mis-selling reasons apply to you.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

Hi,

 

My claim for PPI was recently rejected by the bank and so I have since sent all of the documentation to the FOS for them to investigate. How long would it usually take for the FOS to investigate my claim? are we talking another eight weeks? (or longer)

 

Have banks now changed their tactics with regards PPI claims? I have heard rumour that the banks are making it more difficult for customers to re-claim PPI or take their cases further (FOS).

 

When I received my rejection letter from the bank, it also came with a whole load of documentation (photocopied documents from when I originally took out the loan displaying where and what I had signed for). Also in there was a very detailed description of why they think I am in the wrong and why the bank is right not to pay back PPI.

 

I found all this information a bit overwhelming and (in my mind) It gave me the impression that I was getting a 'slap on the wrist' for even considering asking for my PPI back.

Even though I am still under the impression that I am in the wrong (thanks to the banks response) a friend encouraged me to pass the details onto the FOS.

 

Thanks for listening.

 

Regards,

 

Chris.

Share this post


Link to post
Share on other sites

The bank will use whatever words they can find to put you off. They know they are in the wrong, but their business is to put people like you off to save themselves money.

 

Sadly, it looks like they are winning as you look like you are giving up.

 

If PPI has been misssold then it is indeed your money they are talking about.

 

How would you feel if someone at the cashpoint whipped in front of you and pulled your cash out of the slot? Would you be listening to "weasel words" then?

 

No. And neither should you be listening to "weasel words" now. It is your money. Go and get it back.

Share this post


Link to post
Share on other sites
The bank will use whatever words they can find to put you off. They know they are in the wrong, but their business is to put people like you off to save themselves money.

 

Sadly, it looks like they are winning as you look like you are giving up.

 

If PPI has been misssold then it is indeed your money they are talking about.

 

How would you feel if someone at the cashpoint whipped in front of you and pulled your cash out of the slot? Would you be listening to "weasel words" then?

 

No. And neither should you be listening to "weasel words" now. It is your money. Go and get it back.

 

Yes agreed.

 

Which bank?

 

What were your reasons for the mis-sale?

 

Have you challenged the bank yourself?

 

Fos may take an age so could be worth you keeping at the bank yourself.


If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

Share this post


Link to post
Share on other sites

4 threads merged on same claim

 

please keep to one thread

 

dx


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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...