Natwest Gold Visa & Mastercard PPI Complaint

[Bazza]

I have now eventually received SAR details from NatWest but they cannot obtain a copy of the original agreement or any statements between November 1998 to October 2001 (due to inactivity on the account) as closed in June 2008.

Is this correct or should I be pushing for them to attempt location from their archives ?

I do have most of the statements from April 1999 to October 2001, its just that I was hopefully trying to locate any that I did not have.

Also when submitting complaint, shall I enclose any copies of statements that they do not have ? Do I also use the compound interest calculator and if so is the end date, last ppi payment or today ?

Cheers

[L'pool64]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,

I think it sounds reasonable that Nat West do not have the statements between 1998 and 2001. So I wouldn't waste any more time with this.

As you know yourself the importance of this will be in the settlement of your claim, as you wouldn't want them to "short change" you with the excuse......"as we don't have copies we can only offer you etc........"

I would send them copies of the "missing statements" along with your completed complaint form. The main thing is to get them to accept that the PPI was mis sold in the first place, then it's a pleasure (almost) to haggle over the compensation !!!!!!!!!

I am sorry but I cannot help with your question re the calculator. I am like that old T V programme "Blankety Blank" but, I am sure someone will be along shortly who can help.

very best of luck with your claim.

:beagle:

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,

I think it sounds reasonable that Nat West do not have the statements between 1998 and 2001. So I wouldn't waste any more time with this.

As you know yourself the importance of this will be in the settlement of your claim, as you wouldn't want them to "short change" you with the excuse......"as we don't have copies we can only offer you etc........"

I would send them copies of the "missing statements" along with your completed complaint form. The main thing is to get them to accept that the PPI was mis sold in the first place, then it's a pleasure (almost) to haggle over the compensation !!!!!!!!!

I am sorry but I cannot help with your question re the calculator. I am like that old T V programme "Blankety Blank" but, I am sure someone will be along shortly who can help.

very best of luck with your claim.

:beagle:

A belated thanks L'pool64 and I will just go with what I have re missing statements as you kindly advised. Don't want to delay submission of miss-selling complaint any longer.

As per spreadsheet, hopefully someone can kindly advise.

Cheers

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Further to my earlier post Natwest SAR failed to provide CCA, any copy of the original application form and any copies of correspondences / notes on my account. I did notify them that I was at my old address when card originally applied for.

Does any experts on here know anything about the 'NatWest Archive' system or had any experience with this ?

Do I now send a failed SAR letter or shall I just proceed with my ppi complaint on the strength as to what I have and my reasoning for miss-selling ?

It's annoying as this is probably one of the only c/cards that I cannot trace my original agreement.

[L'pool64]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,

I would proceed with the claim. If they haven't sent you some stuff, I would suggest they don't have it. They thing is, if they subsequently refuse your claim on the basis of something they have and didn't send you, then you have them, and can report them to the ICO. Natwest/RBS don't like ICO/regulator complaints due to their inefficiency. I fought them recently on something and won some compensation for their error!

i know from reading your posts that you are "a detail" person, so I know that you will keep an eye on what you are told etc.

all the very best,

:beagle:Xxx

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,

I would proceed with the claim. If they haven't sent you some stuff, I would suggest they don't have it. They thing is, if they subsequently refuse your claim on the basis of something they have and didn't send you, then you have them, and can report them to the ICO. Natwest/RBS don't like ICO/regulator complaints due to their inefficiency. I fought them recently on something and won some compensation for their error!

i know from reading your posts that you are "a detail" person, so I know that you will keep an eye on what you are told etc.

all the very best,

:beagle:Xxx

A belated thanks L'Pool64 for your comments.

My main concern was that by not having CCA / Application details they could use it against my complaint.

Basically the miss-selling was due to ppi being added without any explanation, when it was not required as I had employment life / death coverage, enough savings etc at the time of sale.

I just want to be certain that what I have is suffice to defend my case if need be.

Cheers

[L'pool64]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,

one of the things that seems to carry more weight with the RBS Group, is the provision that the customer already had in place. So if you can provide as many details of that as possible, it will definitely assist your case.

very best regards,

:beagle: Xx

[Victoria27]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,
I agree with L'pool.
They may not be able to trace the original CCA.
I had a similar situation with one of my cases.
I never requested PPI, did not tick the box, I told them the truth. They could not locate my agreement, and it never was used against me, my case was upheld.
It looks like you have enough to file your complaint.
The most important thing is to show them that it was mis-sold because...
You clearly list your reasons, such as it was added without your consent, without your request, without any explanation etc.
You show them that it was not needed because....
you had other means to repay, such as....

Best of luck

Victoria

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Hi Bazza,
I agree with L'pool.
They may not be able to trace the original CCA.
I had a similar situation with one of my cases.
I never requested PPI, did not tick the box, I told them the truth. They could not locate my agreement, and it never was used against me, my case was upheld.
It looks like you have enough to file your complaint.
The most important thing is to show them that it was mis-sold because...
You clearly list your reasons, such as it was added without your consent, without your request, without any explanation etc.
You show them that it was not needed because....
you had other means to repay, such as....

Best of luck

Victoria

Many thanks Victoria for your response.

Well that's what I was worried about because I know I never agreed to it or ticked any boxes but was paranoid that they would ask me to provide evidence to prove it.

I have already won a similar case with NatWest with another card in which was taken out around the same time, but I had the CCA showing that I did not agree to it.

I Will keep you all posted on this one and thanks again for your time.

Bazza

[Victoria27]

Re: Natwest Gold Visa & Mastercard PPI Complaint

You are very welcome, Bazza.
I understand your frustration.
However I do think you have enough of existing evidence to support your claim.


It is not your fault they cannot locate that document. It is often the case with old accounts. You cannot be held responsible for it.


I refer to the FCA guidelines:


"DISP App 3.3.3
01/04/2013
FCA
The firm should recognise that oral evidence may be sufficient evidence and not dismiss evidence from the complainant solely because it is not supported by documentary proof."


Even though you cannot provide them with a documentary prove that you did not ask for PPI, at the same time they won't be able to prove that you requested it and ticked that box.


Even the fact that with your other cards and applications, which you do have, you never requested PPI, is indirect prove that you never intended to take this insurance.


I believe you have a good solid case.


Best of luck and please do keep us posted.


Victoria

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

You are very welcome, Bazza.
I understand your frustration.
However I do think you have enough of existing evidence to support your claim.


It is not your fault they cannot locate that document. It is often the case with old accounts. You cannot be held responsible for it.


I refer to the FCA guidelines:


"DISP App 3.3.3
01/04/2013
FCA
The firm should recognise that oral evidence may be sufficient evidence and not dismiss evidence from the complainant solely because it is not supported by documentary proof."


Even though you cannot provide them with a documentary prove that you did not ask for PPI, at the same time they won't be able to prove that you requested it and ticked that box.


Even the fact that with your other cards and applications, which you do have, you never requested PPI, is indirect prove that you never intended to take this insurance.


I believe you have a good solid case.


Best of luck and please do keep us posted.


Victoria

Victoria that is so helpful thank-you.

I will put something together tonight and send recorded tomorrow. Just one quick question, would you keep it brief but straight to the point, if you know what I mean ?

[Victoria27]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Dear Bazza,
Please ask as many questions as you need, I am here to help as much as possible, that is the idea That is why it is such a fabulous forum, the best one! Everybody is so supportive and helpful.

Yes, straight to the point is good.
The best to make it as clear as possible, to break it into the points, to put a summary.
Brief and straight to the point is spot on

Look forward to your good news.

V

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Thanks again Victoria and totally agree :tinysmile_twink_t2: and will always bear that in mind !

Fingers crossed and I will keep forum up-dated on progression.

atb

Bazza

[Victoria27]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Fingers crossed for you

[Bazza]

Re: Natwest Gold Visa & Mastercard PPI Complaint

Fingers crossed for you

Sorry just finalising letter before shut-eye, is it full refund of premiums plus 8% interest ? Will end date be last premium payment or to current date ?