RBS PPI - Turned down claim

[MossyG]

Hi all

 

I have been searching the forum for a couple of days looking for an answer and although there are some familiar comments to my issue

the advise seems to be first class so I thought i would post up my scenario.

 

In essence

 

I applied for a refund of ppi payments on a credit card loan.

 

These were typically monthly payments and costs were relative to balance of the card at the time.

 

I had this card for approx 3 years.

 

On receiving the card I got the tear of slip saying that if you wanted ppi to fill in and return and it would be applied.

This I still have and it was never sent back as i did not need the insurance.

 

However looking back through my statements it was applied from the word go.

 

I sent a letter claiming back the payments via the standard form and eventually got a letter back stating your claim was being turned down.

 

The reason being was i had a call 6 month later from a call centre selling me the insurance.

 

However when i look at my statement the ppi shows on my statement 6 months previous to this alleged sales call.

 

They also state that as the monthly payment was clearly shown on each statement that i must have known i had it and should have claimed.

 

Surely the issue is that it was applied to my card initially and the obviousness is irrelevant.

 

They have sent 2 copies of statements to show this.

 

They also sent me a copy of the terms with the cancellation rules and say it is clear.

 

On this my counter argument is i did not receive any docs.

 

Do I have a case to go back to them with or do i go to the ombudsman.

 

Are these legit reasons to not pay out etc.

 

Any advise would be most appreciated

 

Thanks

 

MossgG

[BRIGADIER2JCS]

All their claims don't stand up in my opinion, you should take this to FOS now.

[MSAR]

Banks always make excuses that they shouldn't have to give you a refund. You have to fight them either through the FOS or small claims court. To them every refund claim denied is a little bit more in the annual bonus kitty

[dx100uk]

so have you asked in an SAR for the transcript of the call

 

if not go get it.

 

its ok for them to 'speculate' they have done no wrong

 

they must PROVE IT.

 

dx

[ims21]

You are being fobbed off and you should challenge the lender yourself first.

 

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

 

Did you complete and submit a fos consumer questionnaire as part of your claim?

 

Have you done a spreadsheet to show how much you should expect back?

 

There is plenty of ammo you can use for this challenge.