Rbs ppi

[Guest tomuchtoyoung]

My wife an I complained of miss selling PPI on several accounts we held jointly and individually ( in 2006 me having had a bankruptcy my wife was not named in) there latest response to my wife only reads

 

 

"The complaint can only be made by the primary account holder with a signed authorisation dated to within the last six months. As you are the joint borrower for the loan to which the PPI complaint refers to, there fore we are unable to register your complaint"

 

 

I take it they want me to authorise them to deal with it towards my wife solely.?

They go on to say

" Upon receipt of the above documentation we will proceed with the complaint."

 

 

Any suggestion on what my reply should say would be worth a donation to this site.

[Hortz]

Yeah you're probably the insured party (most loan PPI policies only covered the first named borrower). A letter from you giving your complaint reasons and asking that they deal with your wife in respect of the matter should do the trick.

[Guest tomuchtoyoung]

Yeah you're probably the insured party (most loan PPI policies only covered the first named borrower). A letter from you giving your complaint reasons and asking that they deal with your wife in respect of the matter should do the trick.

 

Thanks for the heads up, it confused me and I was reluctant to call them as i felt they may try to take advantage, your experience has given me the confidence to contact them by post.

[Andybars]

Just to confirm - all RBS loans had cover for the first named borrower only.

[Guest tomuchtoyoung]

RBS PPI update thankyou andybars and Hortz sent them a comprehensive letter encompassing my complaint on several leves l today ten days later received four separate letters one asking for a valid sixteen digit credit card number to enable processing,another saying the policy I complained about

 

 

has already been registered with a ref no.,the next talking of me not providing a valid Lombard account number to enable processthe last then saying the investigation using all known details of me found no record of PPI. The most significant problem I have was destroying

 

 

all old paperwork as some sort of healing process (which I wouldn't recommend as it did little for me as per usual)

 

 

I can sort other peoples worries out and not great with my own at times, trying not to appear ignorant am I correct through other reading on here need to request a SAR from them. Requested to bring my concerns to them by post Jan 2012 and this reply sounds positive,

 

 

 

 

been to ill to preserver until now, the period concerned is 1999-2006 my phishing has got me thus far, I just never give up.

[Boltmaker]

Tomuchtoyoung,

 

 

I have just had an offer of PPI refund from RBS of over £20k. This I started by sending a SAR as I had over the years lost or destroyed most of the relevant paperwork. What I got back came in three separate envelopes and was quite thorough and gave me virtually all the info I needed to make a claim which as above was successful. Hope this helps and good luck to you.

[Baz1994]

Tomuchtoyoung,

 

 

I have just had an offer of PPI refund from RBS of over £20k. This I started by sending a SAR as I had over the years lost or destroyed most of the relevant paperwork. What I got back came in three separate envelopes and was quite thorough and gave me virtually all the info I needed to make a claim which as above was successful. Hope this helps and good luck to you.

 

Sorry to jump in Boltmaker but how far back did the details go ie statements ?

[Boltmaker]

Hi,

 

 

The SAR results RBS sent me were quite comprehensive and went back to the mid 1990's. Not every statement was included with the odd one or two missing here and there

(a few for each year) but the bulk of them were received. I do think, from reading other threads, I was very lucky in the quantity I received, but I did find RBS very cooperative. Good luck.

[Baz1994]

Hi,

 

 

The SAR results RBS sent me were quite comprehensive and went back to the mid 1990's. Not every statement was included with the odd one or two missing here and there

(a few for each year) but the bulk of them were received. I do think, from reading other threads, I was very lucky in the quantity I received, but I did find RBS very cooperative. Good luck.

 

Thanks for your reply boltmaker much appreciated.

 

I have two pending complaints with RBS - one for RBS ADVANTA/MINT and the other with RBS Mastercard. Will I have to submit two separate SAR's ?

[Boltmaker]

I would suggest NO. My SAR request produced MOST of the information they held on me for all my accounts therefor I suggest one will suffice.

[Baz1994]

I would suggest NO. My SAR request produced MOST of the information they held on me for all my accounts therefor I suggest one will suffice.

 

OK many thanks and pressume PPI address will be the same for SAR ?

[Boltmaker]

NO. I sent my SAR request to their HEAD OFFICE address in EDINBURG. Full address can be found on their website. Address request to the data controller.

[Baz1994]

NO. I sent my SAR request to their HEAD OFFICE address in EDINBURG. Full address can be found on their website. Address request to the data controller.

 

Many thanks again and cheque payable to Royal Bank of Scotland ?

[Boltmaker]

Correct £10

[Baz1994]

Correct £10

 

Thank-you again and just one final question so I got everything right, do I mention my previous address when cards were taken out ?

[Boltmaker]

I would do so. Giving as much info as you can, in my opinion help speed up your request.

[Baz1994]

I would do so. Giving as much info as you can, in my opinion help speed up your request.

 

Cheers again g/l

[Guest tomuchtoyoung]

Finally got three offers from*RBS

icon*to repay*PPIicon.*

 

Thing is at the time 8 years ago I had debts with them caused partially by the PPI failing to protect me*

when I became permantly disabled.*

 

Can I use the case of making sure they try to return me to a position financially before I took the PPI,

claim against them for failing to protect me when I had my accident*

( as the disabling injury was to my back and had minor back problems preexisting)

or ask them to pay half or all the money to my partner.

 

I am in disbelief as for three years they denied PPI was ever taken out*

one is for £850*

the next £380 and

the third £425.

 

I was treated very badle back then and have lived in poverty ever since.

 

All the credit cards and loans deny PPI*

can a*SAR

icon*work well for them.*

 

Through following advice on here wheels are finally turning*

so thank so much.*

I intend to*donate

icon*futher if this money ever materialises and this wassnt just a paper exercise.

 

I would love the chance to get them in court if need be.

Cheers again g/l

[sglendevon58]

I've had two text messages from RBS-PPI saying to return my acceptance of their offer so they can pay me - both quoted references are correct. I've not had a written offer yet so are the texts genuine or am I being hoaxed?

[Guest tomuchtoyoung]

Yeah you're probably the insured party (most loan PPI policies only covered the first named borrower). A letter from you giving your complaint reasons and asking that they deal with your wife in respect of the matter should do the trick.

Hortz

Could you give an opinion on my latest post, not quite got the idea of following threads until now.

[Andybars]

I am aware that RBS do chase acceptances by text, You should however deal with their letter in your own timescale not theirs, particularly if you think its incorrect. The only important timescale is that if you want to take the case to FOS you must do so within 6 months of the letter date.

[sglendevon58]

Haven't even had the letters yet though - got the text first.

[Andybars]

If you have not had the letters I would call RBS to advise you have had a chaser text but no decision letter on 0800 015 0319 and they can clarify and send / re-send the letters

[sglendevon58]

Called them. Texts were sent in error! Claiming no PPI on accounts.

[Guest tomuchtoyoung]

Many thanks again and cheque payable to Royal Bank of Scotland ?

 

I put payee natwest as my b/ac was natwest. Not sure if RBS will accept it to release my SAR docs been almost two weeks still no show?