Rbs say they cannot find my mortgage ppi payment as its over 6 years

[dx100uk]

well all of what he is saying is that the insurance at the time was applicable and useful too you.

 

what you should have said , only, in the PPI questionnaire was

you were told in a closed room you had to take it out.

[he got a healthy commission out of you}

 

this is the pitfalls of speaking on the phone

and

putting down more than one reason for mis-sale on any forms

 

it gives them a get out.

 

dx

[exasperated]

Thanks DX

Should I forget this one and move onto the next?

Exasp

[dx100uk]

bare the letter down.

 

disregard....

 

1. all what is said regarding 'it was on every statement' &

'we sent you booklets'

'it was on the agreement you sign' ,

you signed this or that

...so must have been aware of the PPI, why take XX yrs now to complain.

 

2.i've decided now xx yrs later, it was suitable for you at the time ..etc etc.

 

so then work out... what 'real' reason he using to reject your claim.

 

any reasons under 1&2 are 'mere speculation'

[exasperated]

DX

Could you have a look at my reply and see what you think...

 

Dear

 

Thank you for your letter dated April 2015.

 

I would like to register my disapproval of your facts stated in the above letter and register an appeal to your decision thereof.

 

My objection is based on the fact you twice called me when I explicitly informed you I was busy

but you insisted that you only had a few questions.

 

 

On reflection, I now view the nature of your questions over the phone as, in the least misleading,

in the worst, rather loaded toward your intended rejection of my PPI complaint.

 

 

Despite me informing you I did not remember the exact details from 11 years ago

you persisited in channelling your own questions to suit your companies desired outcome.

This is very unfair.

 

Though a loyal RBS customer for many many years, I have been totally abused by your bank on a personal and business level and this episode further confirms that.

 

It is also pointless to say in your letter that ''you were informed/told this'' and that ''your signature was on the document''

I was told, in a closed room, alone with XXXX, that in order to obtain the overdraft I must take the PPI.

 

I have recovered notes relating to this, It was a bank loan I required as the overdraft facility was expensive.

My notes confirm that our earning to lending ratio was not good enough at the time but a way around this was the overdraft facility.

 

I would imagine the ombudsman will be very interested to here that you continued to collect payments from another account

not related to this overdraft for over two years after this account was closed!!

 

I expect you to reconsider your decision and upon receiving your reply I will review taking the matter to the ombudsman

Regards

[dx100uk]

edited in suggestions

[exasperated]

Brilliant DX thanks

On another claim

you may remember earlier in the thread that at a previous address many years ago I pad PPI.

 

 

They have written to me to say they dont have my records but have sent a cheque of £30 to cover my time during the enquiry.

 

 

I suspect they dont want to I've me the details as the claim will be high due to it being twenty years ago.

 

Any advice?

Thanks again

Exasp

[dx100uk]

whats this the mortgage PPI?

 

 

so you've no details whatsoever?

 

 

dx

[exasperated]

DX

At the time when this happened we had a personal business manager who also looked after our personal affairs.

 

 

I remember having a confrontational argument with him re the PPI he had sold us and after some time discovering we could not claim on it.

 

 

I asked for the payments back but he said he could not do it.

 

 

This was 20 years ago and we cannot at this time find anything other than copies the original application forms for two accounts.

The PPI may or may not be on these.

 

Dont know if you know a magic way of getting the info but i remember you sayiong their no time limit on PPI

Thanks DX

Exasp

[dx100uk]

personal business manager - what at a bank?

 

 

dx

[exasperated]

Hi DX

Sorry for the confusion!!

When i say personal business manager I mean that the same person dealt with us every time we went to the bank whether it personal or business.

 

 

He would often contact us when new mortgage rates came onto the market etc.

We did not deal with anyone else from memory until he left.

 

Being somewhat older and more experienced with banks its now apparent he was advising us for his own gain and the banks benefit but certainly not ours.

 

Is their a way of obtaining the info they say they have not got?

 

 

If we track down account numbers etc would that force them to release the information?

Thanks as usual