#PPI : No account number

[curly bob]

Hi all ive got 4 ppi claims going at the moment with RBS 3 are going ok but one claim is starting to cause problems as I have not been able to find the loan account number on the statements from my curent account that this loan was paid from it just says Royal Bank loan I have given them my account number and sort code and a copy of the original credit agreement showing ppi details and a reference number, but all they do is write back sending all my letters back to me saying the are unable to investigate with out an loan number the FOS say the bank have enough information from the details I have given to find there own account number, any one else ever had problems like this and if so how do I get to move this matter forward and is the RBS just been akward ?

Thanks

CB

[dx100uk]

yep they are

 

anything to wriggle out of it!!

 

i bet if you owed them, they'd find it!!

 

dx

[curly bob]

Cheers DX

 

Just confirms what I thought, sent them another letter stating how much it is costing in interest per day to them and asked them not so politely to pull there finger out

CB

[MARTIN3030]

This is yet another stalling tac.

Write to them and inform them that if they are not prepared to deal,then you will consider applying to the Court for an order for compliance,with costs.

I think you will find they will soon find the account number if they see you are not playing.

[curly bob]

Thanks for that Martin 3030 , geting a little bit fed up with them messing about Ive just had a read of some info on compliance orders, will give it a go

cb

[curly bob]

Hi Martin 3030

Thanks for info

 

That worked they are now looking in to it the little tinkers

[curly bob]

Well RBS have now accepted all the PPi complaints for investigation , however with some of the ones I started back in March , all I keep getting is letters asking to give them more time to investigate and some of letters are encouraging me to use the FOS , is this just another delaying tactic due to the heavy work load on the FOS ? and anything upto a 2year back log with them, may be time to take some action with them

CB

[Shelley181146]

Well RBS have now accepted all the PPi complaints for investigation , however with some of the ones I started back in March , all I keep getting is letters asking to give them more time to investigate and some of letters are encouraging me to use the FOS , is this just another delaying tactic due to the heavy work load on the FOS ? and anything upto a 2year back log with them, may be time to take some action with them

CB

 

Sounds to me like they are trying to get you to operate your claims on their timescales rather than yours. I'd be inclined to send a firm letter explaining the legnth of time they have had and give them a final 14 days before taking the matter to small claims court, but only if you are preapred to go that far.

Shelley

[MARTIN3030]

Curly -you have to remain in the driving seat.

Have you got all the figures now ?

Can you give us some idea what it comes to ?

Shelley said right-a 14 day letter before action.

First we need a little more info.......have you got specific grounds that can be set out in a POC ?

Dont worry about filing-we can help you with POCS.

[curly bob]

Thanks Shelley

Think the court is the way forward will start to check ive got the sums correct

CB

[curly bob]

Thanks Martin

 

think I will start with the one they have been dealing with the longest will put deails up when I get home

CB

[MARTIN3030]

Okey Doke.

[curly bob]

This is the one they have had since March loan taken out November 1999 : 36 ppi payments @ £28.97 per month APR 15.3% ive worked it out as follows : Principal and interest £1,230.29 plus 8% £295.54 total £1,525.83 untill the end of the loan from Nov 2002 (end of loan ) to date £2,545.17 am I close ???

Thanks

CB

[MARTIN3030]

Yes that looks fine.

[curly bob]

Thanks for that I will start puting the presure on now

Jist one point before I start sending the N1 over this one, the total I am claiming over four seperate claims is over £10.5 k will the court keep all the claims seperate ie below £5k or might this backfire on me ?

CB

Edited May 30, 2011 by curly bob
memory !! not what it was

[Shelley181146]

This is the one they have had since March loan taken out November 1999 : 36 ppi payments @ £28.97 per month APR 15.3% ive worked it out as follows : Principal and interest £1,230.29 plus 8% £295.54 total £1,525.83 untill the end of the loan from Nov 2002 (end of loan ) to date £2,545.17 am I close ???

Thanks

CB

 

Martin,

 

Just an observation. Can you clarify when is the 8% is claimable from please?

 

Shelley

[MARTIN3030]

The net figure EXCLUDING interests needs to be at 5k or below.

Courts have discretion on this so if its say £5,150 then it may be ok.

The stat interest of 8% can be taken from the earliest charge.

[MARTIN3030]

Of course there is no reason why it has to be small claims,if there is a solid case then you have less worries about exposures to costs should it not go your way.

If you split them up into 2 claims,theres always a chance the other side may try to get them amalgamated to take them out of SCT-this is something we have seen before.

[curly bob]

Thanks for that Martin

 

will send them a 14 day letter with copies of the N1

Thanks

CB

[ims21]

Of course there is no reason why it has to be small claims,if there is a solid case then you have less worries about exposures to costs should it not go your way.

If you split them up into 2 claims,theres always a chance the other side may try to get them amalgamated to take them out of SCT-this is something we have seen before.

 

Could you not take the first one to SCC, win that one and then start another court action for No2 and so on. That way it would be difficult to have them amalgamated?

 

Just a thought or am I being

 

ims

[MARTIN3030]

Not at all-in fact thats what some people do,its a case of weighing up the options.

In that scenario I would be minded to choose the one which is the most straightforward first.

It is of course not inconceivable that RBS may settle before any Court action,I would certainly be holding out more hope on these than I would if it was Lloyds.

[curly bob]

well just clearing put some papers from Mums house and found another credit agreement of mine going back to 1998 insurance loan monthly payments £11.00 over 24 months better get cracking on with this one as well this will be number 5

[ims21]

Saving up for Christmas eh bob?

 

Good luck with this one as well.

 

ims

[curly bob]

quick update now had a reply from RBS saying that they have been given 16 weeks by the OFT to make an offer instead of the previous 8 weeks !!!!!!!!!!!!!!! as they have such a heavy workload imo if they had'nt misssold so many policys then they would not have such a heavy workload to sort them out ????

[ims21]

Hi bob

 

Yeah the FSA snuck that extension in without much publicity I'm afraid.

 

You could of course consider the court route rather than wait the 16 weeks?

 

ims