RBS - letter out of the blue

[Subliminal Sam]

I wrote to Royal Bank of Scotland on behalf of Mrs Sam over a year ago. She had paid PPI on a credit card and she thought that it might have been mis-sold. We got a letter back from RBS which fobbed us off basically. Mrs Sam didn't need the hassle, as she is unwell, so she didn't pursue it.

 

Last week she received a letter, totally out of the blue, from RBS which states that PPI may have been mis-sold. They have asked her to fill in a questionnaire and return it to them. The gist of the letter appears to be a question over how such policies were sold to self employed people. My wife has been both self-employed and employed through companies over the years. I'm not sure what her status was when all this happened. I will investigate that.

 

To precis their questions they want to know:

 

1. Employment status when PPI taken out - Employed; self employed; director etc
   
2. Any underlying medical conditions at that time.
   
3. Why she doesn't think she wasn't eligible for PPI at the time or policy was not fuilly explained at time etc.
   
4. Did she not understand PPI was optional? Did she not choose to take out policy with credit card? Was she pressured?
   
5. Was the cost not explained?
   

I'll investigate all of this and respond as best I can. But, are they setting me any traps here? Am I being paranoid? I'm guessing that this is a standard questionnaire.What are my 'do's' and 'don'ts'?

Thanks for any advice received.

[BRIGADIER2JCS]

This in an initiative that all the banks have to follow on all accounts that PPI may have been missold on.

 

There are NO traps it's all above board.

[dpick]

As brig says above all banks have to follow though I have not myself heard of any credit card companies not connected to uk banks doing this.

 

dpick

[ims21]

You might like to check that the questionnaire they have sent you is exactly the same as the one issued by fos which can be found here.

 

http://www.financial-ombudsman.org.uk/publications/technical_notes/ppi.html

 

If it is then you can use it but if it differs, use the fos one.

[Subliminal Sam]

Thanks to all for your advice. I'm sure there will be a lot more questions!

 

ims21. The RBS questionnaire is different to the FOS one. Are you suggesting that I reply to the RBS letter enclosing the completed FOS questionnaire and ignore the RBS document? Also should I be sending a seperate SAR to RBS at this stage?

 

Many thanks.

[ims21]

If it were me I would complete the fos one and submit that.

 

As regards the SAR, if you haven't got much in the way of information on the account then yes you can send one. The information that comes back may help you to establish whether any offer they may make is correct. If you have all of the statements then a SAR might not be necessary.

[t18con]

just to give an example of what I have found in the bank's OWN questionnaires, they give you a tick box and ask were you supplied with information when you were sold the PPI. If you tick yes, are you ticking yes to being supplied with sufficient information to make an informed decision? or are you ticking yes because they advised you to take PPI ? I just thought the bank's own questionnaires appeared to be loaded with potential banana skins.