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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Aibu..to think RBS willsend us away with a flea in our ear over ppi claim?

14 replies

daisyswirl · 28/07/2013 21:31

Hi everyone
Pretty new poster so please bear with me.
So couple of weeks ago received letter from them listing loans we'd taken out and whether we thought they'd been miss-sold. There was a complaint form with it.
Did a bit of research and found out that as dh had always been self employed would have been unlikely to claim on it...which was a bit Shock as the advisor at the bank said we'd need it as he WAS self employed!
So have filled form in..sent it off..they replied and said his signature didnt match the one on file so we had to go to bank with driving license (stalling?) and have it verified.
So...I think we have a good claim but I just have this horrible feeling they'll read it and laugh.
I know..im a loon..but the money would come in handy.

OP posts:
grumpalumpgrumped · 28/07/2013 21:34

If they do, as Lloyds did to us, then go to ombudsman. We did, only another form and we won!

LastDaughterofKrypton · 28/07/2013 21:38

You'll more than likely get it. The bank are probably just ensuring that you as the claimants are who you say you are. I had to provide my old loan company with my marriage certificate before they would release any money.

Original poster
daisyswirl · 28/07/2013 21:39

I just have this unreasonable (not) loathing for them as when we banked with them they were a shower of shits! Plus all the loans we had were rolled into the next one or paid up early and what happened with the ppi was never explained...we're talking of loans totalling £39,000! God knows how much ppi we paid..have no records now..god we were crap with money!

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MrsRajeshKoothrappali · 28/07/2013 21:43

May I butt in and ask what the expression 'sent away with a flea in my ear' means?

I've read it in Marian Keyes books and always wondered.

Thought it might have been an Irish thing but DP is Irish and says not.

I've been wondering for ages..!

ratbagcatbag · 28/07/2013 21:45

My form for barclays was embarrassing, thought for sure they'd say no way. Literally no where near as strong a case as you with self employment. Got £1276 back, no worries. :)

HollyBerryBush · 28/07/2013 21:45

If they have contacted you they will pay out, smaller than if you had contacted them, its to negate you doing your own claim.

"flea in your ear" means a sharp talking to

laloue · 28/07/2013 21:48

daisyswirl - you don't need records - I've just reclaimed against Lloyds dating back 19 years -no paperwork, but could remember my bank account number - got the best part of a year's salary back (was expecting nowt or a couple of £100). Do it. Website (Lloyds) has a dedicated bit and you don't need to log in or anything. For me vague doesn't even cover it.Honestly - THEY DO have the paperwork. I'm now debt free and much happier.

Likesshinythings · 28/07/2013 21:52

RBS will pay up eventually but you may need to be persistent and maybe involve the ombudsman. DH battled with them for a while but it was worthwhile in the end when he got a substantial sum out of them. Good luck!

Original poster
daisyswirl · 28/07/2013 21:52

Mrs raj
My nan always used to say that when she was annoyed with ppl and gave them a tongue lashing!
A proper northern saying I think..I remember that the local priest def got sent away with a flea in his ear..she was the talk of the street for weeks!

OP posts:
Original poster
daisyswirl · 28/07/2013 21:57

See Likes, I knew my loathing of RBS wasnt daft..my sister got a ppi repayment from lloyds 4 weeks after complaining..no quibbles at all. The loans go back to 2002 and rbs helpfully put all their numbers next to them..maybe its just me..glass half empty and then somone drank abit!

OP posts:
Sallyingforth · 28/07/2013 21:57

I don't see why you should have any odd reaction from the them.
The signature might be a genuine check, or just a stalling ploy. But in any case if you have a genuine claim they will have to pay you.
Remember THEY are the ones who should be embarrassed, for selling you an invalid insurance policy.

LayMizzRarb · 28/07/2013 21:59

Flea inthe ear is a saying that goes back to the Middle Ages in Britain. It is a literal meaning. Fleas were prolific in many many households, and if you were infested you would not be welcome. Fleas used to bury in the hair and ears.

Cuddlydragon · 28/07/2013 22:00

It took about 6 months for them to pay out on my complaint. They did exactly the same to me about signatures. The nice lady in the branch said it was the way they dealt with claims and some people gave up. Keep going. You can complain about the conduct of the complaint. Keep writing weekly asking for updates. You will get there eventually. Don't let them put you off. It's a tactic.

Original poster
daisyswirl · 28/07/2013 22:05

Will just have to keep everything crossed and hope for the best..thanks for your replies everyone..although laymizz talking about fleas buried in hair has made me itch!
Dd has had nits for the first time and they are proving hard to banish. Sure they're bloody ninja nits cos I can't find anything moving but eggs! Yuk

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