Hiya, any advice will be gratefully received.
I started a PPI claim against santander early 2014 for a loan which was taken out in 2001.
They claimed to have settled a PPI claim on this account in 2007.
In 2007 they settled a 'bank charges' claim for a closed current account not a PPI claim for the loan account.
I have never claimed for PPI on any account until early 2014.
But in 2007 I had taken on quite a number of banks for charges.
I had a call from the FOS today.
They said that santander had provided evidence of this settlement.
I asked what the evidence was and he said it had the loan agreement number on it, the amount, date and that it was for PPI.
Non of this information is true.
It's totally fabricated.
I expressed my concern to the FOS and he said he'd contact them again to ask for further details.
I called santander straight after to request this information and told them it's totally untrue and fraudulent!
I'm hopping mad.
I don't want to let them get away with this.
But what do I do?
The FOS have to make a decision on the information they have.
I haven't kept anything from my charges claim,
as far as I was concerned the matter was closed so I destroyed everything.
If they FOS rule in their favour,
how do I complain without any evidence?
Thornyangel