Micky the Hippo - Natwest Loan ppi

[Micky the Hippo]

Hello all, I did some bank charge reclaim back in the day and recently some Credit card CCA (excellent)

 

My wife has produced all the original paper work for a NatWest loan from late 2008 for quite a lot of money, I've read a few threads but so far they're all five or more years old and I'm worried things might have changed since then.

 

But the letter from the bank asking for the paperwork to be signed and returned also includes the PPI offer along with their advice to consider what she would do if she was out of work etc? There's a tickbox to indicate agreement that Nat West is not recommending PPI and 'it is my responsibility to check it is right for my needs' etc

 

It has the a few codes bottom left corner and the date 26/06/2008 if that matters.

 

What's the procedure/advice from here, the spreadsheet calculator and fos questionnaire or a SAR?

 

(she thinks at some point they paid a claim on it, does that matter?)

 

Thanks

Micky

 

She was self employed at the time and the loan (84 months originally) is still alive, at some point they merged it into a business loan

 

I suspect I'm going to be told to SAR ...

[dx100uk]

sar gather the evidence first

 

 

dx

[Micky the Hippo]

Hello again

 

Aye aye, the SAR is already printed out ready to go to the post office to get a postal order

 

Thanks (again) will report back as and when an ungodly pile of paper arrives back

 

Micky

[caro]

If she was self employed I very much doubt they paid out on it and is therefore most likely missold.

[Micky the Hippo]

Hi Caro

 

She was paid on something when she was ill (and self employed) but I remember it as Critical Illness cover, she's says she's sure it was the PPI cover on the loan, I guess the SAR will clarify that amongst other things

[Micky the Hippo]

The Lady Wife says she had a call from NatWest today asking her about her SAR, although she was too busy to discuss it (and didn't know what a SAR was)

 

I told her it's none of their business and not to accept any oh so generous offers

 

From what she says it's going to be a packing crate of paperwork, her dealings with them are long standing and complex, personal and business (self emplyed) with loans/credit cards/overdraft whizzing around, being rearranged/consolidated etc

 

joy

[Micky the Hippo]

She spoke to them eventually, someone at NatWest said they couldn't send her everything as some of it was confidential and would need to be redacted, she asked how it could be if it related to her, they said thing like terms and conditions, wha?

 

They're going to send her a letter to take into a branch to confirm her identity as her printed signature did not match the actual signature they say they hold on file

 

gibberish nonsense it seems to me, ah well, wait for the letter I guess

[Micky the Hippo]

Hello all

 

Now a letter from RBS with a list of 4 loans, 4 overdrafts and 3 credit cards, one of the credit card showing as having ppi, as well as a form asking for a fair amount of details to help them deal with the complaint. Fill that out and return it?

 

RBS owns Natwest I assume?

 

It seems to me that they haven;t complied with the original SAR despite being prompted to do so, perhaps I did not list all these accounts that I had no idea the Lady Wife had

 

Should i SAR again for the three credit cards with a view to claim charges back and fill out the form for PPI?

 

The card with the PPI has a column at the end headed Insurance Premium with a number a little under £2k, from 2007, is that subject to 8% stat interest?

 

Thanks

Micky

[dx100uk]

charges might be a bit difficult

some do now some don't.

 

 

as for the PPI

I pers would never use the forms the original creditors send back

as they tend to have loaded questions

that are geared to being asked in a way that gives them a get out of paying.

 

 

best to use the FOS CQ.

 

 

as for the sar failure

no need for a new one or fee.

if you think they have failed

then use the failed sar letter in the library

listing what you want returned to you.

 

 

dx

[Micky the Hippo]

Howdy and thanks, uh huh, others said go after charges, I did think that was all past now, thanks for the update

 

Use the FOS one but send it to RBS? If so that makes perfect sense

 

Thanks

Micky

[dx100uk]

I wouldn't be sending it though until you've got every bit of info via the sar process.

and done spreadsheets!!

 

dx