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Jade-Simone

M&S and Plevin rule

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Hi

 

Back in 2011, I made a ppi claim with M&S which was eventually rejected by the FOS.

 

In November 2017 M&S made contact regarding the Plevin rule asking if I wanted to claim...Yes of course I did!

 

today after a period I have received their final calculation which amounts to above 50% commission.

However, there was 15years of payments which were not taken into consideration because it was before 2001.

 

They state in their letter that,

"they do not have the records for before 2001 so have calculated the refund on the average balance for that period".

 

Is it worth me pursuing this any further or would it be worth me going back to the FOS?

 

I have not received the cheque yet.

 

Also as a second question do all banks/companies contact you automatically over Plevin if your initial claim was rejected?

 

Thanks in advance

-JS-

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ask them for a breakdown

the fos does 'allow' for a 'reconstruction' to be done if there are no records for a period.

have you done a dsar

they are obliged to do a plevin letter if it seems it may have been applicable.


IMO

:-):rant:

 

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lots of 'em are not sending out plevin letter when they should

no harm in writing to each.

 

as for the refund

that sounds like they have done it properly

why are you doubting it?


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There was a breakdown of how they arrived at the refund calculation with my letter - also approved by the insurance company, reading through everything again.

 

 

A friend had told me something different so I am checking.

 

 

I am happy to get something back after I was first rejected.

 

 

I will check with the second bank whether Plevin applies.

 

 

Thank you for your replies. Merry Christmas and a happy New Yearbiggrin.gif

-JS-

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get your money on the 1st account and do not muck around tend to loose as plevin used


:mad2::-x:jaw::sad:

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