***RBS PPI Claim Long fight but, WON***

[banker_rhymes_with]

Hello aa!

 

Another complaint means another £450.00 Fee for the FOS to look at it.

 

Three Accounts, so stagger your Complaints.

 

My Maths was never that good, but 3x £450 comes to, um, around £1350.00'ish for all three Complaints!

 

Three Complaints it is then!

 

Cheers,

BRW

[alanalana]

Hello BRW,

 

If I submit another complaint to the FOS it will be number 4. 2 are pending settlement whenever that happens. 1 is still with an adjudicator no decision yet. So if I submit complaint number 4 about the speed of settlement on complaints numbers 2 and 3 it will add another little bit of income for the FOS and all for the price of a stamp. It could be a way to make RBS sit up and take notice. They may move faster with the promise of that Christmas Tree:D

 

aa

[banker_rhymes_with]

Hello aa!

 

Four Complaints it is then!

 

FOS Ker-Ching...£1,800!

 

It is about time RBS bought you that RBS Fairy with a Christmas Tree stuck up its coal chute. It'd be a lot cheaper than them shelling out £450 to FOS every time they annoy you!

 

Cheers,

BRW

[alanalana]

Hello BRW,

 

Hello aa!

 

Four Complaints it is then!

 

FOS Ker-Ching...£1,800!

 

It is about time RBS bought you that RBS Fairy with a Christmas Tree stuck up its coal chute. It'd be a lot cheaper than them shelling out £450 to FOS every time they annoy you!

 

Cheers,

BRW

 

I will give the FOS a call before banging in another complaint to get their opinion. Mainly because they are becoming more inundated with complaints and by the time they get round to the planned one I should have my money if you get my drift I complain now as a Christmas present to the FOS £450 very nice but they could put it to bottom of queue of hundreds more Bank settle in Jan or early Feb:roll:

 

My complaint comes up in Mar or Apr and I really don't have a complaint anymore as I have my dosh. If the FOS say go for it then Complaint will be banged in once I have a reference number. I am still waiting for an update from the ICO as well.

 

Please keep me updated on your situation and good luck with it;)

 

aa

[hellhasnofury]

Hello AA:D

 

Without having to read through your now mammoth thread (nearly as big a the consumer credit agreement thread) can I ask you a question.

 

What was the earliest loan date you had with them please??????

 

I have just discovered ppi on loans in 1996, 1997 and 1999:eek:

[alanalana]

Hello hhnf,

 

Hello AA:grin:

 

Without having to read through your now mammoth thread (nearly as big a the consumer credit agreement thread) can I ask you a question.

 

What was the earliest loan date you had with them please??????

 

I have just discovered ppi on loans in 1996, 1997 and 1999:shock:

 

The earlliest loan was 1997, one of 4 early loans with Direct Line Financial Services. You will recall RBS told me to go directly to DLFS but I found out DLFS had been legally transferred over to the RBS group. My earliest RBS loan was 2004.

 

I would claim back as far as you can especially now the FSA is getting much upset over continued mis-selling. The FOS are more inclined to take up a case if there are multiple refinancing loans with PPI attached. The are more inclined to take up claims going back further IMO.

 

Hope this helps:D

 

aa

Edited December 18, 2008 by alanalana
text added

[RedVixen]

The FOS are more inclined to take up a case if there are multiple refinancing loans with PPI attached.

 

That gives me hope on my older ones which I wasn't so confident about

[alanalana]

Hello all,

 

Well a bit of a turnup just before Christmas.

 

Did a little Christmas shopping today and decided to check balance of account. Found four deposits paid into my account. Now with my first claim the FOS Adjudicator stated the settlement would be made by cheque and he gave me a figure quoted earlier in my thread.

 

Today I have had money x 4 deposits to may account more than the figure notified by the FOS Adjudicator. I will have to try and sort it out tomorrow. I also have two more complaints pending settlement, so I am a bit miffed at getting money paid into my account and not by cheque as was agreed with the FOS:mad: and I have to question why is there an increase in the settlement figure? because if they consider both claims settled then they have yet more of a fight on their hands via the Ombudsman or Court action if that is what is required.;-)

 

I will have to watch out in case they have paid me too much money

 

Something very fishy going on here I guess, or I am becoming a total paranoid cagger after 12 months of trying to get my money back:-D

 

aa

[banker_rhymes_with]

Hello aa!

 

Does this mean they have Paid for that Christmas Tree????

 

...and in time for Christmas?

 

 

Sounds like a bit of luck if so, but do fight them for every penny you think they owe you, of course!

 

Cheers,

BRW

[alanalana]

Hello BRW and all,

 

RBS have sent a cheque for the payment of the 4 Direct Line Fanancial Services loan in full settlement. The cheque arrived today. However I have also recieved payents for two out of three other loans with RBS staight into my account with no correspondence or explanation and sadly only received repayment on two out of three loans, so come the new year it will be complaint Number 4 to the FOS. The RBS are really the bank from hell they offer a goodwill gesture without admisssion of any liability and yet all they ar doing is paying me back the money they took with 7 mis-sold PPI policies on seven personal unsecured loans. They still have a fight on their hands. I am awaiting a telephone call on monday. No doubt complaint number 4 will be submitted on Tuesday.

 

Season of goodwill so A happy and Peaceful Christmas to all of you on CAG.

 

I have a success and before Christmas, but I have to fight on:grin:

 

aa

[hellhasnofury]

Given some money and still being able to fight with them:D

 

Well done AA Merry xmas to you and your family:D

[pinknico]

Well done on your success aa. Hope you have a fantastic Christmas.

 

 

Happy Christmas HHSNF if you are reading this, hope you have a goodone. xx

[alanalana]

From hhnf

 

Given some money and still being able to fight with them:grin:

 

Well done AA Merry xmas to you and your family:grin:#

 

from pinknico

 

Well done on your success aa. Hope you have a fantastic Christmas.

 

Happy Christmas HHSNF if you are reading this, hope you have a goodone. xx

Thanks again to both of you and all of course all other caggers.

Yes it was quite nice to get some reclaimed money before Christmas after a long battle. Just in time as well as my car has just packed up with a sheared drive shaft and being a T reg with 123,620 milles on the clock it means it goes off to the big recycling scrapyard. At least I will be able to afford another second hand car to keep me in work.

Good Christmas but missing my Son who is sadly away in Iraq.

Kind regards to one and all

aa

[scouser9]

Hi alanalana,

 

Great thread im glad you succeeded in a lot of items and good look with the rest of your quest, in the words of Peter Kay make them (ave it)!!

 

Im just starting on my own quest concerning PPI with 2 companies please take a look at my thread. Any imput would be apprieciated

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/174373-scousers9-ppi-thread.html

 

thanks in advance

 

Mike

 

pps. good luck with the search for new car, I tried to get a new car for the wife, but the salesman would'nt swop lol

Edited December 28, 2008 by scouser9
spelling

[alanalana]

Hello mikey,

I have had a quick look at your thread and will try and give it another scan tomorrow. If I can advise I will but at the moment I am torn between trying to get a replacement car and caring for elderly parents to I will try and respond when I can.

 

aa

[scouser9]

Thanks for that alanalana

 

regards

mike

[alanalana]

Hello all,

 

Just an update on my three FOS claims and one ICO claim.

 

the two PPI claims have been upheld by the FOS adjudicator money in the bank not as much as expected due to tax on interest and rebates of PPI on refinancing but it is money that a year ago I did not have it has been a long very long battle as you can see from the length of my thread.

 

So 7 loans with PPI attached all complained about to the FOS in two separate complaints have been repaid.

 

I have spoken to the bank today and requested a full financial breakdown as to how they arrived at the refund amounts and I have informed them they I may still submit a further complaint to the FOS and the FOS are aware of this as I have also spoken to them today.

 

The figures received may or may not have been the same if I had proceeded to Court as the bank tells me they work to a formula that the FOS agrees with. I will post more on this when I get more information. I will also be passing the information to the FOS to ensure they agree with what has been refunded.

 

I may as well go out fighting as that is how I have started and continued with the help of a lot of other people on CAG.

 

I still have to wait for the outcome of one more complaint with the FOS about the shoddy treatment, delays, failure to comply with legal statutes, false information etc and one with the ICO to which there answer is viewable on photobucket listings in an earlier post on my thread but the ICO have also basically upheld my complaint.

 

So keep on complaining there must be thousands out there who are still none the wiser to the PPI issues.

 

aa

[banker_rhymes_with]

Hello aa!

 

Well done, it's been a long slog, but you have a good result.

 

This does show the PPI was mis-sold, so all you have been doing is seeking a refund of money they should never have taken.

 

So keep fighting for every penny. It's not some gift from the bank to you, it's your money they have been clinging on to for far too long, and earning a pretty penny from it whilst they did so. More than 8% I'd hazard a guess!

 

So keep on complaining there must be thousands out there who are still none the wiser to the PPI issues.

 

...and that includes a few Judges who need to be better educated on the widespread and ongoing mis-selling of PPI.

 

Happy New Year...I hope 2009 is a good one for you.

 

Cheers,

BRW

[hellhasnofury]

Hello AA,

 

Have you been out shopping and spending all that lovely dosh:D

 

Can you let me have the dept and the address at rbs, that you have been sending your ppi reclaim letters too. I am just about to start the process on behalf of a friend who has two loans with ppi on, that she did not even know what it was:eek:

 

Have done the SAR and yes you guess, rather economic with the information given and no response to her last non-compliance letter:rolleyes:

 

They have eventually cancelled the ppi on this current loan, so we know the rebate on this one, but not the first loan rebate:rolleyes:

[alanalana]

Hello BRW,

 

Hello aa!

 

Well done, it's been a long slog, but you have a good result.

 

This does show the PPI was mis-sold, so all you have been doing is seeking a refund of money they should never have taken.

 

So keep fighting for every penny. It's not some gift from the bank to you, it's your money they have been clinging on to for far too long, and earning a pretty penny from it whilst they did so. More than 8% I'd hazard a guess!

 

Quote:

So keep on complaining there must be thousands out there who are still none the wiser to the PPI issues.

...and that includes a few Judges who need to be better educated on the widespread and ongoing mis-selling of PPI.

 

Happy New Year...I hope 2009 is a good one for you.

Cheers,

BRW

 

BRW very many thanks, it is a result, but I am taking it all the way down to the wire as they say, making the bank provide the evidence of the refund figures and then getting the FOS to verify them.

 

And my friend a Very Happy New Year to you and your family.

I will be following your thread and will continue to help on CAG where I can.

aa

[alanalana]

Hello hhnf,

 

Hello AA,

 

Have you been out shopping and spending all that lovely dosh:grin: Car packed up so need another second hand one. Working on that before I have to be back to work:eek:

 

Can you let me have the dept and the address at rbs, that you have been sending your ppi reclaim letters too. (My letters and correspondence have all been through FOS until the last couple of days when I got the payments and then I received confirmatory letters of what was being refunded. I am just about to start the process on behalf of a friend who has two loans with ppi on, that she did not even know what it was:shock:

 

Have done the Subject Access Request and yes you guess, rather economic with the information given and no response to her last non-compliance letter:rolleyes:

 

They have eventually cancelled the ppi on this current loan, so we know the rebate on this one, but not the first loan rebate:rolleyes: Keep at them and remember the ICO route if you get a hard time. RBS are still looking at the element of my complaint in another department. I suppose it keeps them in a job:rolleyes:

 

Here is the address of the RBS Office that I have had confirmation from over the last 4 or 5 days.

 

PPI Customer Concerns Team

Regulatory Risk

5th Floor

1 Hardman Boulevard

Manchester

M3 3AQ

 

Tel: 0161 755 6890

Free Phone 0800 015 0319

 

Open 8.00am to 5.00pm Monday to Friday.

 

Good Luck and a Very Happy New Year to you:D

 

aa

 

There will be no doubt a few case officers dealing with the complaint from the FOS, ICO and the Courts so I cannot give a specific name

[traceyb918]

Well done aa, Happy New Year

Tracey

[alanalana]

Well done aa, Happy New Year

Tracey

 

And a Happy New Year to you Tracey:D

 

aa

[alanalana]

Hello all,

 

just a post to let you all know that i have two partial successes on PPI but I intend to take my fight further with another complaint to the FOS and OFT. Details to folllow after a rest as it has taken me 12 months to get this far. My claim will be small but I intend to go all the way. watch this space:eek: I still have one outstanding complaint with the FOS and One with the Information Commissioners Office.

 

aa

 

Repayments on mis-sold PPI so far over £8K and still a way to go

[alanalana]

Hello all,

 

just a quick update.

 

Letter received today from the FOS, my first complaint has not been upheld by the adjudicator as it was about the failure of RBS to provide data under my SAR namely they took months not weeks and I am still waiting, plus they gave false information and inaccurate information as well as no informatino. They suggest the way forward is the ICO as it is a data protection act issue. The complaint is already lodged with the ICO and acknowledged and a copy of their response is in an earlier post with photobucket on this thread.

 

They still have to give a final response to me once the RBS respond to them and the RBS are still investigating the issue having received the ICO letter.

 

I will post a success as and when I get the ICO response after the RBS have answered the ICO letter.

 

Over 12 months and counting to final resolution:eek:

 

aa