RBS Additions packages mis sold.

[gerrylep]

Hey there,

 

 

i had this account sold to me 4 years ago.

I hadn't opened a bank account in the UK for some years.

I was not presented with a possibility of a free account at any time in the meeting.

 

 

I have never once used any of the packages or so called perks.

 

 

I complained to RBS they through it out, stating, "having previously lived in the UK i should have known that free accounts were possible to attain".

I didn't.

 

 

I then moved onto the Ombudsman, who have sided with the bank.

 

 

How can I take this further, it is simply not fair!

 

Any advice appreciated.

Thx

[BankFodder]

There has been a lot of mis-selling of packaged accounts.

 

The main basis for reclaiming refunds on these account fees is that the package was sold on the basis of elements which were not suitable or not applicable.

 

An example of this might be household contents insurance when you are already insured for telephone insurance when you don't have a telephone et cetera.

 

I think that you need to let us know what the features of the RBS package were and then we can see if there is any way of moving you forward.

 

RBS are a nasty and dishonest bank and of course they have made a lot of money from packaged accounts – just like the others.

 

What exactly has the ombudsman said?

[gerrylep]

The Ombusman via a phone call, basically just upheld the decision. Looked at the 'facts', which were actually opinions. I got a bit upset with him, because essentially he is siding with the bank, which therefore means I am telling lies. It's outrageous. They are sending written confirmation, when it arrives, I will post it. Can't recall the exact details of the package I was being offered. Bottom line is that I wasn't offered an alternative, and took this because i believed it to be the cheapest per month. I was naive, but I 100% was not informed of a free account.

thx for getting back so promptly.

[BankFodder]

Then start off by sending an SAR to RBS and get all of the details.

You can't possibly complain about it if you don't know what you are complaining about. It is not surprising that the FOS is supporting RBS. It sounds as if you didn't present your complaint very effectively

[gerrylep]

Would you mind if I posted a copy of the exact letter of complaint? You may be right, but i honestly believe the Ombudsman is trying to shift a backlog, and is not investigating thoroughly. Appreciate you responding.

[gerrylep]

Hi there, i received the letter from the Ombudsman, would you mind if i uploaded it for your perusal. It is filled with so many suppositions, inaccuracies, and just factually incorrect statements. I really would like to appeal this. Just wondered if you had the time? Thanks.

[theoldrouge]

Is the decision from an Ombudsman or an adjudicator?

 

If a first tier adjudicator you have the right to refuse to accept, present any further facts and ask for an ombudsman to review your complaint

 

Please post up your complaint and the FOS reply

 

Have you requested the SAR yet?

[gerrylep]

Is the decision from an Ombudsman or an adjudicator?

 

If a first tier adjudicator you have the right to refuse to accept, present any further facts and ask for an ombudsman to review your complaint

 

Please post up your complaint and the FOS reply

 

Have you requested the SAR yet?

Hi there, not sure what the SAR would achieve. The basic disagreement is that I wasn't offered an alternative (free from fees) account. I was in full knowledge of what they were selling me, they just didn't offer alternative, and i believed this is all they had on offer. Anyway I attach the letter sent from Ombudsman.

[gerrylep]

[ATTACH=CONFIG]57961[/ATTACH][ATTACH=CONFIG]57962[/ATTACH]

[colin11]

Too small to read, you need to convert it to PDF

[gerrylep]

Too small to read, you need to convert it to PDF

ah sorry, pdf attached.

[theoldrouge]

The SAR narrative would have been very useful, as to how you opened and used the acc

 

You need to put forward salient effective reasons why the insurances were of no suitability

 

or you were already covered etc

 

Then ask for complaint to be passed to an ombudsman

[gerrylep]

The SAR narrative would have been very useful, as to how you opened and used the acc

 

You need to put forward salient effective reasons why the insurances were of no suitability

 

or you were already covered etc

 

Then ask for complaint to be passed to an ombudsman

It's already gone through to the ombudsman, and the reply is attached above. My gripe is that a lot of what the Ombudsman has 'guessed' is simply not factual. Let me recheck the SAR, not sure you get another crack at this. My legitimate complaint is that i wasn't presented with a free account option, but it seems that I am not being believed on this one. thx

[theoldrouge]

your letter was from an ADJUDICATOR, so presumably then you have asked for your complaint to be reviewed by AN OMBUDSMAN

[gerrylep]

your letter was from an ADJUDICATOR, so presumably then you have asked for your complaint to be reviewed by AN OMBUDSMAN

Yep, as stated in my initial post.

[theoldrouge]

So you are saying since that letter was written you have already had the final written decision from an ombudsman?

[gerrylep]

So you are saying since that letter was written you have already had the final written decision from an ombudsman?

You've lost me mate...the letter i attached was from the ombudsman or ADJUDICATOR (no idea why you put that in full caps, but i'll join in). The question i was asking in my first post, being unhappy with with i regard is an unfair ruling, can i take it further? Thanks.

[theoldrouge]

The adjudicator is only the first tier, before June 2 you had the right to refer his decision, and give extra facts, to an Ombudsman

 

for review ( ombudsman then makes the final decision)

[gerrylep]

The adjudicator is only the first tier, before June 2 you had the right to refer his decision, and give extra facts, to an Ombudsman

 

for review ( ombudsman then makes the final decision)

I didn't have time to do it before June 2, plus i think the fact that I waited around 6 months to even get that, I should be allowed a bit more time to retort. But i guess, and perhaps I haven't asked this clearly enough: can anyone offer advice as to the substance to which my further complaint can be heard properly, because so far, it seems to me that I would just be going back with the same facts, and disputing some of the adjudicator's retorts, some of which are just inaccurate? Thanks.