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

[yourbank]

You have done a sterling job;) I know the spelling should be stirling (sterling seems more appropriate) but what the heck you have no doubt helped loads of caggers on this site and that is to be commended and it certainly is by me:grin:

April 21st I believe is the date to listen out for:eek:

 

aa

ermmmm, that is not going to be broadcast then. It was my understanding but obviously that is subject to the schedules which I am keeping an eye on. It is not being broadcast on April 21st(will let you know when it is)

[alanalana]

Keep me posted with pm if necessary I must see this;)

 

aa

[sequest]

Hi Alanalana,

 

Just received a partial refund offer on the mis-sold PPI (well not really mis-sold - I didn't even know about it!!).

 

Should I now go back to FOS who wrote to them originally and complain?

 

While awaiting outcome of this, bank have taken me to court, so not sure how this affects their case. I don't think the solicitors know about this.

[alanalana]

Hi Alanalana,

 

Just received a partial refund offer on the mis-sold PPI (well not really mis-sold - I didn't even know about it!!). (If you did not know about the PPI then it was mis-sold) A partial refund is your choice to accept or reject I cannot and should not make that call for you. I refused my offer of goodwill and complained to the FOS and the offer was then increased to include the statutory 8% interest that a court would have awarded.

 

Should I now go back to FOS who wrote to them originally and complain? IMO yes the fact they have made an offer would tend to suggest they have mis-sold and you would have nothing to lose if the FOS did not uphold your complaint after an offer to repay a goodwill gesture would be to say the least unusual. Remember though you always have the Court route as a last option.

 

While awaiting outcome of this, bank have taken me to court, so not sure how this affects their case. I don't think the solicitors know about this.

I am not familiar with your full case but IMO I would proceed to a formal complaint to the FOS. (you will of course have a long wait)

 

aa

[sequest]

Thanks Alanalana - I will go for a full refund.

[alanalana]

Bumping up to keep the information and letters available for new claimants.

[alanalana]

Looks like I am going to have the same long fight with HSBC

 

aa

[leviculus_puella]

good luck i seem to be stuck in a few battles myself but thanks to everyones advice i am not giving them an inch!!! keep up the good work aa

[alanalana]

You keep up the good work too the more wins on mis-sold PPI the better it will make the financial institutions take note for the future. Let's hope it is a lesson learned. Ripping off customers is not allowed and the FSA seem to agree with that by virue of the massive fines. There should IMO have been a lot more. Maybe it isn't too late

 

aa

[alanalana]

I feel I should mention this for other caggers.

 

My fight with RBS took very nearly 12 months it was settled by FOS about 4 months after the complaint with the FOS was lodged.

 

The biggest problem was RBS failing to comply with the SAR lots of letters were required. However I was very persistant in getting all of the information letter after letter, complaints to everyone. I initially was only aware of two loans with Direct Line Financial Services as we are going back 12 years but RBS eventually produced in the documentation. Copies of CCAs for two loans I was not aware of so I ended up getting PPI refund on 7 loans rather than 5.

 

The point here is, request all the data on yourself as a data subject and do not accept any 6 year cut off. Failure to comply with your request then you should submit a serious complaint to the Information Commissioners Office should be submitted.

 

The other message is if you have agreements keep them in a safe place, you never know when you may need them.

 

aa

[citizenB]

The Money section in the Mail on Sunday, today is reporting that FOS is receiving something like 800 new PPI cases every week

[alanalana]

The Money section in the Mail on Sunday, today is reporting that FOS is receiving something like 800 new PPI cases every week

 

And that figure is going to increase is my guess

 

Could be a lot more caggers getting their money back. My concern is: there must be thousands with PPI and no access to CAG or aware of the mis-selling. Be nice to see an ad pointing the way to either CAG, MSE, CAB so many more can get their cash back. If the banks are fighting at the moment imagine if two million people suddenly sent in SARs

 

Who would want to work in a bank in the data protection section :grin:

 

aa

[citizenB]

And that figure is going to increase is my guess

 

Could be a lot more caggers getting their money back. My concern is: there must be thousands with PPI and no access to CAG or aware of the mis-selling. Be nice to see an ad pointing the way to either CAG, MSE, CAB so many more can get their cash back. If the banks are fighting at the moment imagine if two million people suddenly sent in SARs

 

Who would want to work in a bank in the data protection section :grin:

 

aa

 

At least we wont see this issue ending up in the HoL

 

Yes, it is sad that so many people will not be aware of this. All we can hope is that somehow they will discover they can claim this back. I think there is a lot of media interest so hopefully they will see it in in their newspaper.

[pompeyfaith]

Indeed they are Citizen and in no doubt they are in for a very long wait as mine was sent to the FOS beginning of December 08 and im still no closer to an outcome.

 

I really cannot see what the hold up is i get a letter from the co-op bank with reference to the letter I sent to David Anderson CEO which im not even sure he read as the reply was not from him it says they cannot enter any more discussion with me regarding my complaint as the matter is with the FOS.

 

As for the copy letter i sent to Walter Merrick CBE I have not had a reply to that.

 

So far ive had two letters from the FOS saying i should accept the co-ops offer as it is fair to that i replied saying it is not fair at all and gave my reasons which were very good ones.

 

I then get a letter on the 18th July saying my case is about to be given to an adjudicator and i will get an update within two mths and in the mean time if i have any further correspondance from the co-op to copy it to them.

 

Now according to the co-op bank my case is already with an adjudicator and they gave the adjudicators name as Jan Teal.

 

hmmmm not sure where i go from here.

 

Regards

 

PF

[alanalana]

Adjudicator then Ombudsman is the way it goes I believe.

 

aa

[citizenB]

Indeed they are Citizen and in no doubt they are in for a very long wait as mine was sent to the FOS beginning of December 08 and im still no closer to an outcome.

 

I really cannot see what the hold up is i get a letter from the co-op bank with reference to the letter I sent to David Anderson CEO which im not even sure he read as the reply was not from him it says they cannot enter any more discussion with me regarding my complaint as the matter is with the FOS.

 

As for the copy letter i sent to Walter Merrick CBE I have not had a reply to that.

 

So far ive had two letters from the FOS saying i should accept the co-ops offer as it is fair to that i replied saying it is not fair at all and gave my reasons which were very good ones.

 

I then get a letter on the 18th July saying my case is about to be given to an adjudicator and i will get an update within two mths and in the mean time if i have any further correspondance from the co-op to copy it to them.

 

Now according to the co-op bank my case is already with an adjudicator and they gave the adjudicators name as Jan Teal.

 

hmmmm not sure where i go from here.

 

Regards

 

PF

 

I just checked the original date I sent OH's HSBC complaint to the FOS.. it was 16th June 2008. 3 or 4 times I have been advised that the complaint has been passed on to an adjudicator. Twice I have been told that they now have everything they require. Then nothing. Meanwhile, HSBC threatens up with more evil consequences if OH doesnt do as he is told. So I then add to the complaint and back to square one we go !!.

[pompeyfaith]

ill send another letter then asking them to explain the state of play PF

[alanalana]

This is a bump to keep my thread in the picture as there are useful letters that can be copied from on PPI reclaims.

 

aa

[citizenB]

aa, why not add a link to this thread in your stikkied thread

[alanalana]

Maybe I should sticky the thread itself

[alanalana]

My case I thought was done and dusted and then I find this link..

 

http://www.financial-ombudsman.org.u...onvenience.htm

 

Before my case was settled in December last year I asked the adjudicator if I would be entitled to claim for inconvenience ie time, stationery, ink, postage costs etc and was informed it would be unlikely I would have a case to claim. I still have all of the correspondence so my intention is now to re-open and ask for the compensation mentioned in the above link.

 

I will be seeking compensation on my two claims which are clearly described within this thread.

 

In addition it is my Intention to write to the Chief Ombudsman Walter Merricks with some pointers about the way the financial institutions are basically mis-treating consumers when they are claiming mis-sold PPI.

 

aa

[NitrousOxide]

I took a different route and was successful.

If you have a bank/DCA who are hounding you knowing full well it has PPI send every letter recieved to the FOS. Especially if they do it while it's being handled by the FOS.

They will openly criticise them in any final decision.

[SDG]

Hello all,

 

This is my first time on these type of forums but here goes..

 

I recently have been in a dispute with MBNA (Virgin) over mis-sold PPI and had to go through the Financial Ombudsman Service to fight my corner. I got a letter last week from the FOS saying that MBNA have agreed to settle. I had to send a signed acceptance form back.

 

My question is - how long does it take to get the money back once they have agreed to pay back? The acceptance for was sent to the FOS last week. Does anyone have any experience of this?

 

Thanks

SDG

[alanalana]

Hello all,

 

This is my first time on these type of forums but here goes..

 

I recently have been in a dispute with MBNA (Virgin) over mis-sold PPI and had to go through the Financial Ombudsman Service to fight my corner. I got a letter last week from the FOS saying that MBNA have agreed to settle. I had to send a signed acceptance form back.

 

My question is - how long does it take to get the money back once they have agreed to pay back? The acceptance for was sent to the FOS last week. Does anyone have any experience of this?

 

Thanks

SDG

 

Hello SDG,

 

better to start your own thread that way you will get a direct response and the answers will no be tied up in another caggers thread.

 

Click here to get started.

 

 

 

put in a suitable title and away you go.

[pompeyfaith]

Alan Thanks for above that could now be very useful in my compliant PF