Jump to content


  • Tweets

  • Posts

  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

RBS - PPi and life insurance on same claim?


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 914 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

both :noidea:

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Ok

 

You said before:

  On 16/02/2020 at 12:42, NGEddie said:

When I mentioned this on the phone the woman quickly said 'we dont do life insurance' but this is life 'assurance' and was told I must have it!

it was not an endowment mortgage!! so it's PPI.

 

==========================================

So far they have admitted to miss selling loan PPI and admitted to miss selling the mortgage PPi

 

They seem to be pushing back on the decreasing term insurance.

 

One thing to point out, the mortgage PPi was December 2000 until May 2005

 

The decreasing term insurance/life protector started April 2003, changed to Aviva June 2011 and is current now 

 

I am a bit loathed to go with their 'relevant department' in case they said PPi time was last year?

 

What do you suggest?

 

 

Link to post
Share on other sites

we keep going around and around in circle eddie

 

you have already put in a complaint encompassing this insurance in time.

this is just firming things up.

 

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 2 months later...

Long delay with things going on in the world!

 

I would like to settle this one...

 

  • PPi claims done previous year in time

 

  • They offered £ on loan PPi which I accepted and have been paid

 

  • They agreed they mis-sold the mortgage PPi and offered £ but calculation wrong and waiting on revised offer

 

  • They batted the decreasing term insurance/life protector to me saying it is not the PPi department

 

From now, I know this life protector started at a few years after the loan and mortgage PPi and know they said I 'had' to have it. Guess I write to this other department saying believe was also mis-sold like the others?

 

Many thanks!

 

 

Link to post
Share on other sites

  • 4 weeks later...

I have drafted a letter to direct the complaint to the decreasing term assurance team following ppi team saying they cannot deal with these.

 

My only concern, dx, is in a previous post you said you cant reclaim these alone as they are not ppi.

 

Are they being crafty as we grouped it together from the start 'ppi and associated insurances' and it seems they might be trying to separate them?

 

Thoughts please?

Link to post
Share on other sites

Hi HB

 

Sure, I recall being told I had to have the decreasing term life assurance alongside the mortgage which started in 2003 and this was by an advisor in the branch.

 

I submitted the PPi claim in 2019 in time which covered a loan ppimortgage ppi and this decreasing term life assurance. I referred to them all together as 'ppi and associated insurances' on advice.

 

They have admitted to miss-selling the loan in 1998, the mortgage ppi in 1999 but are saying there is a separate decreasing term life assurance team who I now need to make the complaint to which is where I am a little concerned?

 

Hope this helps.

 

E!

 

Anyone advice please?

 

Really not sure how to reply as feels like they are trying to separate the ppi and life assurance by pushing me to the other department. The whole thing with this was to group them together 

Link to post
Share on other sites

  • 4 weeks later...
  • dx100uk changed the title to RBS - PPi and life insurance on same claim?
On 10/10/2020 at 20:17, NGEddie said:

From now, I know this life protector started at a few years after the loan and mortgage PPi and know they said I 'had' to have it. Guess I write to this other department saying believe was also mis-sold like the others?

 

typically with most lenders say like welcome finance etc, they were all sold together and in the past, they have all been refunded together.

it seems from the above that the life might have been later, though probably signed up for at the same time.

 

can't see any harm in going for mis-sale sep then if this is the case, you have proof you launched it before any deadline, but of course as they are saying it's not PPI , then no deadline can apply...this could be interesting if they say the deadline has expired..:pound:

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

1 hour ago, honeybee13 said:

I may have asked this before, but why do you think you were missold the decreasing term assurance please? I assume you had a written recommendation at the time.

 

HB

 

I recall being told I need to have this incase something happened to me as it would cover paying off the mortgage. Weird thing is, I started the mortgage in 1999 and the assurance started in 2003 from the paperwork I have.

Edited by NGEddie
Typo
Link to post
Share on other sites

15 minutes ago, dx100uk said:

can't see any harm in going for mis-sale sep then if this is the case, you have proof you launched it before any deadline, but of course as they are saying it's not PPI , then no deadline can apply...this could be interesting if they say the deadline has expired..:pound:

 

I worded the initial claim 'ppi and associated insurances' as you advised dx to link them.

 

I guess I don't really have a choice but let the ppi team refer the complaint to that department, as ppi team keep saying they do not deal with these policies?

Link to post
Share on other sites

doesn't matter really..eitherway you've covered yourself

 

if they claim a cut-off, which doesn't apply as they are saying it's not PPI you've met it anyway...

 

if they accept your complaint then there's evidence it was mis-sold, as the PPI was mis-sold and refunded, so must the life ins as it was all done at the same time. there is very little eligibility criteria difference between the two 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

I am also yet to have any contact from the relevant department you refer to regarding the miss-selling of the RSA Life protector decreasing term assurance and wish to reiterate that I should not need to point out

 

the mortgage I signed up to was not an endowment policy,

therefore there was legal requirement to have,

nor should you have made, either policy compulsory.

 

The only beneficiary was yourselves through ultimate direct payment should something have happened to me settling your mortgage sum.

 

Please forward this complaint to the decreasing term assurance team and request they contact me in writing.

 

Read ok?

Link to post
Share on other sites

1 hour ago, NGEddie said:

therefore there was legal requirement to have,

 

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 1 month later...

I have a reply on the RSA life protector!

 

Email the other week from the Natwest Customer Concerns Unit advising the investigation is starting now and they want to understand the complaint and call me.

 

I replied and said please write or email as I didn't want to speak over the phone.

 

Another email today asking for my number so they can update me and can send a response once they have spoken to me.

 

I'm sure I read before to keep this all in writing and not engage in phone calls?

 

Cheers

 

E!

 

Link to post
Share on other sites

:rockon:

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...

Got a reply today saying they are guided by Dispute Resolution rules, or DISP rules which places it on me to have raised a complaint within six years?

 

It goes onto say because I have stated there was no legal requirement to have to have this plan neither should the bank have made this plan compulsory, I would have known this at the time I took it out (which I didn't!) and therefore ought to have been aware of cause for complaint at the time if I was unhappy with any of the conditions attached to the mortgage I was free not accept the bank’s offer and to seek to get the mortgage I wanted with a different lender. Therefore, at that time, I had sufficient knowledge and opportunity to raise my concerns, which I have done so recently.

 

Based on the information, not aware of any exceptional circumstances which may have prevented from raising a complaint sooner. In the circumstances, They believe that Regulator’s DISP rules apply to the concerns raised regarding plan. therefore, unable to consider complaint further as, in view; these concerns should have been raised no later than 2009, which is six years after took your plan out. However, if I have exceptional circumstances then please let them know.

 

What do you make of this? Obviously at the time I didnt know it wasn't compulsory etc...

Link to post
Share on other sites

rather see letters than your interpretation please 

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

Thank you for raising your concerns; when a complaint is received by the bank, we first need to consider whether it has been received within the time limits specified by the bank’s regulator, The Financial Conduct Authority (FCA). These are explained in more detail further on in this letter. Having reviewed your specific concerns, the bank believes that they have been received outside of these time limits. In view of this, I have not carried out an investigation into the merits of your complaint.

 

Your complaint

 

It is important to make sure I have fully understood your concerns and have taken these into account during my consideration of your complaint.

 

Below I have listed the concerns you raised and overall, I have considered the following:

• You believe your DTA has been mis-sold.

• Your mortgage was not an endowment mortgage, so there was no legal requirement to have nor should the bank have made this plan compulsory.

• The only beneficiary was the bank through ultimate direct payment should something have happened to you settling your mortgage sum.

 

If you believe that I have misunderstood your concerns or have missed anything out, then please let me know.

 

My decision

You applied to take out your above DTA on xxxx.

 

When looking into complaints, I am guided by the rules from our Regulators, the Financial Conduct Authority. These rules are known as the Dispute Resolution rules, or DISP rules. These rules place a responsibility on customers to raise any complaint or concerns within a reasonable period of time; a complaint should be raised within six years of when the advice was provided or, if later, within three years from when a customer first became aware (or should have reasonably become aware) that they had cause to complain.

 

As above, you’ve complained that you believe your DTA was mis-sold because there was no legal requirement for you to have to have this plan for your mortgage and neither should the bank have made this plan compulsory.

 

The concerns that you have raised above about your DTA were known to you at the time you took it out and therefore you ought to have reasonably been aware that you had cause for complaint at that time.

 

If you were unhappy with any of the conditions attached to your mortgage, then you were free not accept the bank’s offer and to seek to get the mortgage you wanted with a different lender.

 

Therefore, at that time, you had sufficient knowledge and opportunity to raise your concerns, which you have done so recently.

 

Based on the information I have available; I am not aware of any exceptional circumstances which may have prevented you from raising a complaint sooner. In the circumstances, I believe that our Regulator’s DISP rules apply to the concerns raised regarding your plan. I therefore, am unable to consider your complaint further as, in my view; these concerns should have been raised no later than xxxxxxx 2009, which is six years after you took your plan out. However, if you have exceptional circumstances then please let me know.

 

What can you do next? If you think that I have misunderstood anything about your complaint, or you would just find it helpful to talk through my findings, please call me on the free phone number shown at the bottom of this letter. I am happy to discuss your case with you. You may also have some paperwork which, having read my letter, you think could affect my decision. If so, please send it to me or call me to discuss this.

 

If you are unhappy with my decision, you have the right to refer your complaint to the Financial Ombudsman Service (FOS), free of charge. The services they offer are set out in the *Financial Ombudsman Service leaflet.

 

The Ombudsman might not be able to consider your complaint if:

 

• What you’re complaining about happened more than six years ago; and

• You’re complaining more than three years after you realised (or should have realised) that there was a problem.

 

The bank believes that your complaint was made outside of these time limits, but this is a matter for the Ombudsman to decide. If the Ombudsman agrees with us, they will not have our permission to consider your complaint and so will only do so in very limited circumstances (see below).

 

If you do decide to refer your complaint to the Ombudsman, you must do so within six months of the date of this letter. If you do not refer your complaint to the Ombudsman within six months of the date of this letter, the Ombudsman will not have our permission to consider your complaint and so will only be able to do so in very limited circumstances. The very limited circumstances referred to above include, where the Ombudsman believes that the delay was as a result of exceptional circumstances.

Link to post
Share on other sites

why have RBS refunded all the other stuff if thats in the same boat ...outside of 6yrs????

 

i believe you also said earlier that this is now paid to aviva? so ....its still active

 

timing runs from when you became aware you could reclaim...its obv you didnt know this in 2003when it was sold to you , nor until very recently.

  • Like 1

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...