Rbs say they cannot find my mortgage ppi payment as its over 6 years

[exasperated]

Hello

I wrote to RBS

 

they state that any PPI payments I made were over six years old and therefore I cannot reclaim.

 

I know the name of the sales man who sold the policy to me though I cannot remember the exact date,

 

It was sold to me with my mortgage and then when I remortgaged and moved home they changed my mortgage again.

 

Obviously the salesman took me for a ride not just on the PPI.

 

Is this six year rule correct anyone?

 

Thanks

[citizenB]

Banks do have information further back than 6 years, they just wont let you know about it.

 

I wonder if a Subject Access Request would help you ?

 

Do you have any statements that might show there was PPI on the account.

[citizenB]

If it was sold to you with your mortgage then they should definitely have a record of it, because Mortgage information has to be retained for a lot longer.

[exasperated]

Hello Citizen B

Hope your well.

To give you a clue these mortgages were from 1994-2001 approx

[maroondevo52]

RBS had my account details from 1996 and Northern Rock ( Mortgage PPI ) from 1994.

[exasperated]

great news maroon devo

Is their a way of forcing them to reveal the information, a template etc

[maroondevo52]

Is their a way of forcing them to reveal the information, a template etc

 

Not that I know of, I'd think sending a SAR as CitizenB has suggested should show all payments ect on the account.

[exasperated]

Yeah ok the SAR request template is on here isnt it. That will go back to 1995?

[maroondevo52]

Yeah ok the SAR request template is on here isnt it. That will go back to 1995?

 

Yes 'click' on the word SAR, It'll go back to when you opened the account.

[exasperated]

I havent got the account numbers for it but have supplied our names dates of birth previous addresses plus a SAR using the template (Thank you ) Will they fob me off unless I have the account number?

[maroondevo52]

Will they fob me off unless I have the account number?

 

They shouldn't, the information you are giving them should be enough for them to find everything they have on you.

[dx100uk]

there is no time limit on PPI reclaims.

 

 

end of!!

 

 

dx

[exasperated]

Thanks DX/MAROONDEVO

great news

I'll let you know what happens

Regards

Exasp

[havinastella]

Have you paid the mortgage off?

 

If so, when was the last payment?

 

I would imagine that as a mortgage is secured, the Statue limit would be 12 years from the last payment.

 

Make sure to send the SAR and then report back.

[exasperated]

Hello Havinstella

Yes the mortage was paid off when the property was sold. The last payment would have been sometime in1998.

[havinastella]

Hello Havinstella

Yes the mortage was paid off when the property was sold. The last payment would have been sometime in1998.

 

I would imagine the Bank will hide behind the Statue.

 

Still send off the SAR, it may be the best £10 you ever spend!

[exasperated]

Havinstella

Thanks!!!

It's gone off today I'll keep you posted on the outcome.

Exasperated

 

Hello

RBS phoned me while I working away

 

admitting I had paid PPI and would write to me.

 

Had a letter back from RBS today saying they were returning the £10 fee for the SAR

as this was free for PPI enquiries and they are going to send it over to their PPI dept.

 

Can I trust these to be honest about how much they owe me or should i resend the request.

[dx100uk]

no!!

 

 

resend the SAR

 

 

telling them you wish ALL account details for your personal records

 

 

dx

[exasperated]

Hi DX

yeah will do.

They have just called me saying they are sending out a PPI questionaire and they admit to PPI being on one or more of my mortgages,credit cards

Regards

 

DX

Does my missus have to send a separate PPI request the RBS say all the pPI payments were linked/

Thanks

[dx100uk]

wouldn't think so.

I'd be using the fos cq BTW

 

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

 

then you can both sign it

 

but await the SAR before replying

use a spreadsheet too

[exasperated]

Thx DX

[exasperated]

Update..

 

Still no SAR but a letter from the PPI dept saying they cant deal with me because they don't know who I am

(they do they phoned me as I stated earlier in the thread).

 

I wouldn't mind but I never spoke to them it was passed by another internal dept who have admitted PPI is on my records

but unfortunately this was over the phone(no more phone calls,letters only)

 

They have asked for a utility bill etc etc before they can proceed with my request so Ive sent that out to them.

 

Then got another letter stating they want exact credit card numbers, mortgage numbers dates blah blah blah

 

Is their a procedure that will stop this nonsense?

 

Further update...

Just going through mail and they have returned SAR chque to my missus, seriously annoying.

 

I have sent this letter and sent it recorded

[template removed]

 

What is the reason the template was removed?

[havinastella]

What is the reason the template was removed?

 

Did you copy the letter in full?

 

CAG does not allow the full text to be posted, you can post a link to the letter in the library.

[exasperated]

Hello everyone

As DX predicted this has turned out to be a nightmare dealing with this slippery lot,

in context to explain this has been the course of action over the last 130 days::

 

THEM

1) Cant find me on the system

2) by letter informed me no PPI owed send more details

 

ME

3) SAR request

 

THEM

4) We owe you small amount of PPI

 

ME

5) SAR

 

THEM

6) Cannot find me on records no PPI owed

 

ME

7) SAR

 

THEM

8) We need your account number,sort code and details of your last account in order to send SAR

 

ME

9) Do not have details send SAR

 

THEM

10) four further letters saying no PPI owed, we cannot send SAR until we can verify whom you are

 

I saw a great template on here demanding all personal data relating to PPI payments on any and all accounts but i cant find it,

does anyone know where that template will be stored?

 

Im reluctant to accept their offer until checking the SAR but i desperately need the money to pay against a CCJ

which i have been re summoned to court over

Thanks

[dx100uk]

how can the twits send you a letter that we owe you PPI

then say we cant find any details for you sar?

 

 

ruddy twits

 

 

how about stapling a copy of the PPI letter where they tell you they want to pay

with an SAR?

 

 

cant believe they are so inept!!

 

 

dx