Nationwide PPI

[tosh1]

Do i send the fos copies of my statements as well?

[ims21]

Do i send the fos copies of my statements as well?

 

No no no...you don't send anything to fos at this time. Your complaint goes to the lender and they will have 8 weeks to give you a decision. If they fail in their 8 week deadline or do not uphold your claim then you can go to fos.

[tosh1]

Ok

 

So I send the filled out questionnaire that I got from FOS and send this to Nationwide

[ims21]

Ok

 

So I send the filled out questionnaire that I got from FOS and send this to Nationwide

 

Yes as above.

 

Complete the questionnaire, attach a print out of the spreadsheet and sent it to Nationwide.

 

Keep a copy of both for yourself.

[tosh1]

OK

 

Questionnaire filled in and spreadsheet sent to Nationwide yesterday by post/guaranteed delivery.

 

How long do they have to reply?

[ims21]

They will have 8 weeks form receipt of the complaint

[tosh1]

ok

 

recieved a letter from Nationwide and they have declined the ppi

 

I take it that it now goes to the ombudsman

[ims21]

What were their reasons for the decline?

 

Have they stated it is their final decision?

[dx100uk]

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

http://www.convert-jpg-to-pdf.net/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though DONT USE BANK NAMES or CAG in the title

i'e Default notice DD-mm-yyyy

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

dx

[tosh1]

Hi

 

I have attached the response from Nationwide.

 

Thank you for any input received

[dx100uk]

sri

for ref you only need to attach the PDF file

[dx100uk]

so what 'were' your reasons for mis-sale then?

 

what did you put on the FOS form?

 

dx

[dx100uk]

their reply is mostly the usual twaddle & rubbish

 

dx

[tosh1]

This is the questionnaire that I filled in.

[dx100uk]

you had three loans

 

you should have asked here before sending the paperwork off.

 

sadly, and this is my opinion only...

 

you have used the scattergun approach, using many 'reasons' why 'a' loan was missold.

you have not addressed all three

 

in that light, its a speculative unfocussed claim

and can be relied too along the same lines

 

you have not told them/us HOW the loans were sold to you

and where.

 

i'e. it was in a closed room each time with an advisor

whom, ofcourse, would have made as packet out of you in commission each PPI sale

or thus would a telephone advisor too.

 

dx

[tosh1]

It was over the phone and also the branch

[dx100uk]

and also with no records ofcourse

 

I assume you were told you had to have the PPI each time?

 

dx

[tosh1]

yes i was told that if I didn't I take out the insurance I could not take out the loan

[dx100uk]

then that should have been you focus

 

I cant see you've said that anywhere.

 

dx

[tosh1]

Is there anything that I can do about it now or is it too late?

[dx100uk]

have you the agreements in the sar pack?

 

dx