Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • Former MSE Wendy
    • By Former MSE Wendy 17th Jul 08, 11:11 AM
    • 868Posts
    • 1,782Thanks
    Former MSE Wendy
    PPI Reclaiming Discussion part 4
    • #1
    • 17th Jul 08, 11:11 AM
    PPI Reclaiming Discussion part 4 17th Jul 08 at 11:11 AM

    This thread is for discussing the PPI Reclaiming article.


    This is Part 4 of the discussion, as the last one was so long.
    Read parts one, two and three.


    To discuss or ask a question about this article: click post reply

    To read about non FOS claims read this thread

    Report and read success stories in this thread


    Please remember:

    We're often quite laid back about discussion threads as this is a community after all.

    I'm afraid in the case of the PPI Reclaiming thread we're really going to have to ask you to keep the discussion on topic though, so that people can find the relevant information quickly and easily.

    If you do start making like-minded friends on here and would like to carry on chatting about what you did at the weekend/what you ate for dinner etc then that's fine but the best way to do that is to go to our local pub MoneySavers Arms where anything and everything is chatted about, start a thread there and then pop a link in here and suggest you all head over to there to chat.
    Last edited by MSE Archna; 10-06-2010 at 3:07 PM.
Page 786
    • di3004
    • By di3004 10th Apr 11, 8:15 PM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    'Evening all!

    So... Capital One have responded and have advised that they're not paying out, as I supposedly agreed to take out the PPI over the phone when I called to activate my card in 2004. The trouble is, I don't remember the conversation, I never had any paperwork confirming the Ts and Cs and I have no paperwork advising that I even had PPI insurance on my card, I just paid it every month until 2008.

    Capital One are refusing to give me a copy or full trancript of the telephone conversation, which I find odd, as I thought I legally had a right to information held about me.

    They have also said this is their final decision. Is it worth me writing back threatening the FOS, or do I just write to the FOS?

    I thought my luck was going to run out at some point!!! 2 out of 3 aint bad! 3 out of 3 would be better!

    Thanls
    G
    x
    Originally posted by Gunnersaurus

    Hiya

    So sorry to hear that.

    Now when you mention that they refuse to send you any proof of the calls, did you request this in terms of a Subject Access Request (SAR) there is a letter template for this below link and they MUST comply and send ALL data they hold on the account.
    They have 40 calendar days to do so.
    For this though you enclose £10 cheque or postal order.
    http://forums.moneysavingexpert.com/showthread.php?t=1475553

    If they have these details and informed you that you agreed on the phone then they must still have the evidence for this somewhere in your data, so they should be able to prove it.
    I would be wondering myself otherwise.

    If they still don't send you the copies of calls in forms of transcipts of cd etc, then I would write back and tell them they must have had proof of this on data and you will now contact the Information Commissioners Office (ICO) to make a complaint.
    (If they have the details then they should disclose them, afterall its what they are saying you asked for and I would not take their word for it without the evidence).

    You can still continue to make the complaint with the FOS if you want to.
    Was it the final decision?
    If not then maybe you could ask them to reconsider otherwise first.

    Good luck.
    The one and only "Dizzy Di"
  • Dizzywithmoney
    Hi All - just been chatting to 79 year old father in law about loans and stuff and just happened to mention about us trying to claim stuff back!! We are worried about his finances anyway and try to help him as best we can, obviously he is a pensioner but he was given a car loan about 3 years ago over a 5 year term!! Now who on earth gives a 76 year old a car loan for 5 years anyway but for him to be paying £200 per month on a pension is outrageous. The car is not anything special either and its not new by anymeans!! After pressing him about this loan he agreed to look to see if he was paying PPI and bring the forms for me to read next week. He did go on to say that they pressurised him into, what sounds like, some form of GAP insurance because he says it was if the car got damaged in any way and he said he that £30 a month of the loan is this insurance. Now we are really wondering if he has become confused and part of this £30, or even all of it, is PPI insurance. Could anyone advise if he has been sold PPI insurance would this have been mis-sold with him being a pensioner and not working at all. Also he has several medical problems and his wife at that time was disabled and she died not long after he took this loan on.
  • Gunnersaurus
    Hiya

    So sorry to hear that.

    Now when you mention that they refuse to send you any proof of the calls, did you request this in terms of a Subject Access Request (SAR) there is a letter template for this below link and they MUST comply and send ALL data they hold on the account.
    They have 40 calendar days to do so.
    For this though you enclose £10 cheque or postal order.

    If they have these details and informed you that you agreed on the phone then they must still have the evidence for this somewhere in your data, so they should be able to prove it.
    I would be wondering myself otherwise.

    If they still don't send you the copies of calls in forms of transcipts of cd etc, then I would write back and tell them they must have had proof of this on data and you will now contact the Information Commissioners Office (ICO) to make a complaint.
    (If they have the details then they should disclose them, afterall its what they are saying you asked for and I would not take their word for it without the evidence).

    You can still continue to make the complaint with the FOS if you want to.
    Was it the final decision?
    If not then maybe you could ask them to reconsider otherwise first.

    Good luck.
    Originally posted by di3004
    Thank you so much for your help! I didn't request the information as a SAR, but I will do this. I requested evidence from Capitalone to prove that I had signed up to it. They just stated on their letter that they won't provide the telephone transcript, and this was their final decision. I will write to them anyway requestiong the info, and if they don't provide it, then I'll have a letter ready to go to the FOS.

    Thank you once again, I really do appreciate your help.

    Kind regards
    G
    • di3004
    • By di3004 10th Apr 11, 8:25 PM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    Hi All - just been chatting to 79 year old father in law about loans and stuff and just happened to mention about us trying to claim stuff back!! We are worried about his finances anyway and try to help him as best we can, obviously he is a pensioner but he was given a car loan about 3 years ago over a 5 year term!! Now who on earth gives a 76 year old a car loan for 5 years anyway but for him to be paying £200 per month on a pension is outrageous. The car is not anything special either and its not new by anymeans!! After pressing him about this loan he agreed to look to see if he was paying PPI and bring the forms for me to read next week. He did go on to say that they pressurised him into, what sounds like, some form of GAP insurance because he says it was if the car got damaged in any way and he said he that £30 a month of the loan is this insurance. Now we are really wondering if he has become confused and part of this £30, or even all of it, is PPI insurance. Could anyone advise if he has been sold PPI insurance would this have been mis-sold with him being a pensioner and not working at all. Also he has several medical problems and his wife at that time was disabled and she died not long after he took this loan on.
    Originally posted by Dizzywithmoney

    Hiya
    I would first be inclined to get hold of the loan agreement for this account, if this is PPI as such then I assume it would be disclosed on the loan agreement, worth checking it out.

    Write a simple letter, enclose £1 cheque or postal order, request for a copy of the loan agreement, and ask them to supply by 12 days.

    I am not too sure on GAP insurance myself - nor if its the same as PPI, but still always best to make sure he wasn't sold something that is not actually required.

    I did find some details on GAP whether or not its the same GAP insurance though...... here.
    http://www.click4gap.co.uk/terms.asp
    The one and only "Dizzy Di"
    • di3004
    • By di3004 10th Apr 11, 8:28 PM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    Thank you so much for your help! I didn't request the information as a SAR, but I will do this. I requested evidence from Capitalone to prove that I had signed up to it. They just stated on their letter that they won't provide the telephone transcript, and this was their final decision. I will write to them anyway requestiong the info, and if they don't provide it, then I'll have a letter ready to go to the FOS.

    Thank you once again, I really do appreciate your help.

    Kind regards
    G
    Originally posted by Gunnersaurus

    Your very welcome.

    Well with a SAR, they should comply to the Data Protection Act (DPA), more info on the ICO website in case you also need to get in touch with them.
    http://www.ico.gov.uk/for_organisations/data_protection.aspx

    https://www.ico.gov.uk/Global/contact_us.aspx

    Good luck x
    The one and only "Dizzy Di"
    • Munro Bagger
    • By Munro Bagger 10th Apr 11, 8:48 PM
    • 250 Posts
    • 185 Thanks
    Munro Bagger
    Hello everyone,

    I'm posting this for my other half, and would really appreciate your advice and help (he knows I'm posting this!). You guys have already been very helpful with my own posts about Nationwide and Northern Rock.

    My OH is unemployed (not receiving benefit because of my income) and has been since end 2006. He has a CCCS DMP plan in place for all his creditors, which has been in place since end 2006. Here goes;

    (1) EGG credit card account opened November 2003. Still active, but not used. Paid monthly via DMP. We don't have all the statements but from the few I've seen, the description 'credit card repayment protector' appears. The amount is variable - often more than £20, sometimes less. I asked my OH if he'd knowingly signed up to PPI. He said no.

    (2) MINT credit card. Not sure when the account was opened (don't have the original terms & conditions etc) but the first statement I can find is May-June 2004. Still active, but not used. Paid monthly via DMP. We don't have all the statements but from the few I've seen, the description 'payment protection insurance' appears. The amount is variable - often more than £30, sometimes less. I asked my OH if he'd knowingly signed up to PPI. He said no.

    The MINT issue is complicated further, in that various statements from 2004 onwards show descriptions for 'late payment fees'. These are £20.

    Question: are these 'late payment fees' considered bank charges, and hence, can be reclaimed?

    So, two credit cards have PPI, of which one has (potentially) bank charge issues combined. I'd like to approach each company separately, for PPI and bank charges, using the guidance provided on the forum for each. I'd personally find it easier to keep track of reference numbers etc that way, and I'd know I'd be following each stage explained in the guidance, without it becoming muddled.

    I was going to request terms & conditions from Egg and MINT (£1 each) giving 14 days to respond (PPI) and then make bank statement requests using the templates (£10 each) giving 40 days to respond.

    BUT - would it be easier and quicker to make a SAR to Egg and MINT instead (£10 each), asking them for all the information they hold on the accounts, including terms & conditions, telephone transcripts and all bank statements, up to and including the date of the letter? This would achieve what I want (i.e. bank statements that would show charges and PPI, as well as terms & conditions etc) in one go, within one 40-day timescale?

    Then, once I have all this information, I would pursue the PPI aspect via the PPI reclaim questionnaire, and the bank charges aspect via the 'request to repay fees' letter.

    Has anyone out there done this? If so, how do I get my mitts on a SAR template? If I were to fill it out, could anyone help look it over to make sure I've not been a complete idiot? I'm sorry to keep asking so many questions about this. Thank you.

    • amersall
    • By amersall 10th Apr 11, 9:02 PM
    • 16,411 Posts
    • 18,400 Thanks
    amersall
    Hi. i have posted on your other thread

    • Munro Bagger
    • By Munro Bagger 10th Apr 11, 10:17 PM
    • 250 Posts
    • 185 Thanks
    Munro Bagger
    Many thanks amersall, but I'm now very confused

    The PPI guidance suggests asking for terms & conditions (12-14 days), writing to your seller (with the questionnaire), following up your complaint, and then if all else fails complaining to FOS.

    The credit card reclaim guidance suggests getting your statements (40 days), asking for your money back, what to do if they place you on hold, threatening court action and sending a FOS complaint form.

    However, at least one of the lenders fits into both categories. Whilst I'm going to tackle PPI and credit card charges separately (as mentioned before), I just can't get past a mental barrier. I'm really sorry for taking up so much forum space.

    For PPI, I thought I'd need to know how many instances of PPI have been applied to the accounts (from statements), so I can add this up should I ever get to the stage where an offer is made. Or, so I can put it down on the 'why are you now unhappy with the insurance' part of the questionnaire. Or, just because I genuinely don't know!
    If this supporting statement information plugs the gaps, then should I not ask for it?

    I wanted to use a SAR to get these PPI statements (because there was no PPI statement request template), and because I thought I could also use it to ask for terms & conditions (and anything else relating to the account) at the same time. I'd hoped to get both the statements and terms & conditions I needed, before writing to the seller with the questionnaire.

    Can I use a SAR for PPI? (amersall, you kindly offered advice elsewhere and said you weren't sure on this point).

    If I can't use a SAR, after I've asked for my terms & conditions, can I adapt the 'getting your bank statements' template used for charges, to say I'd like details of my PPI charges over the last 6 years?

    This would be the only instance where my PPI and credit card reclaim approaches converge. Using the same 'getting your bank statements' template to request statements; one amended for PPI, the other unchanged for credit charges.

    After that, my PPI reclaim would continue with the questionnaire; my credit card reclaim would continue with 'asking for your money back'.


    I really appreciate everyone's advice, help and time in replying to my posts. Thank you so much.

    • W1zz
    • By W1zz 11th Apr 11, 7:35 AM
    • 591 Posts
    • 154 Thanks
    W1zz
    Hi, I'm wondering if I have grounds for a claim on a Mortgage Payment Protection cover policy I didn't realise I was paying for on an old mortgage.

    I've recently been going through my old paperwork on different mortgage and noticed that the redemption statement on the previous mortgage showed an entry for 'Mortgage Payment Insurance Debits'.

    The mortgage was taken out at the Leeds & Holbeck Building Society in 2002 and looking at my original paperwork, does list Mortgage Payment Protection, but with a monthly premium is £0.00. At the time of taking out that mortgage (in a branch) I wasn't aware I'd opted to take out any payment protection insurance. I've never taken this type of insurance before or since, and it's something I've always declined when offered. At the time I'd been working for the same company for 12 years (now 21yrs) and have never taken a day off sick.

    My dilemma is, that I have another letter in Jan 2003, which says:

    A very important benefit currently applies to your mortgage and provides Mortgage Payment Protection Cover.

    The Society has been able to provide this benefit to you free of charge for the first 6 months and it is important that the cover is maintained now this period is drawing to a close.

    So that you do not lose the protection provided by this cover, your payment has been ammended to £xxx.xx, with effect from Feb 2003. This payment now includes one twelfth of the annual Mortgage Payment Protection premium(s).

    Please note that from March 2003 this amount will change to £xxx.xx. This payment supersedes that quoted in your annual mortgage statement package and will be collected automatically by direct debit, if you pay by this method. If you pay by any other method, please rrance to adjust your payments accordingly.

    I do hope that the free cover period, for this important insurance, has been of benefit to you.

    If you wish to make any amendments to your MPPI cover, or require any help or information generally concerning your insurance policies, please feel free to contact our Insurance Team on Leeds xxxxxxxxx. They will be please to assist with any enquiries you may have.

    Please find attached a revised schedule of cover for your records and safe keeping.
    I'm unable to find any 'revised schedule of cover' only a leaflet about MPP (Strange, as I keep all my documents together).

    It looks as though I've been paying £20+ per month on a payment protection from Feb 2003 until I closed the mortgage in Jun 2004 (approx £320).

    Only by re-reading the above letter I received in Jan 2003, do I realise that I could have cancelled the cover, to prevent my payment going up.

    Do I have grounds for a claim or just chalk it up as being careless?

    TIA
    • di3004
    • By di3004 11th Apr 11, 11:03 AM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    Hi, I'm wondering if I have grounds for a claim on a Mortgage Payment Protection cover policy I didn't realise I was paying for on an old mortgage.

    I've recently been going through my old paperwork on different mortgage and noticed that the redemption statement on the previous mortgage showed an entry for 'Mortgage Payment Insurance Debits'.

    The mortgage was taken out at the Leeds & Holbeck Building Society in 2002 and looking at my original paperwork, does list Mortgage Payment Protection, but with a monthly premium is £0.00. At the time of taking out that mortgage (in a branch) I wasn't aware I'd opted to take out any payment protection insurance. I've never taken this type of insurance before or since, and it's something I've always declined when offered. At the time I'd been working for the same company for 12 years (now 21yrs) and have never taken a day off sick.

    My dilemma is, that I have another letter in Jan 2003, which says:



    I'm unable to find any 'revised schedule of cover' only a leaflet about MPP (Strange, as I keep all my documents together).

    It looks as though I've been paying £20+ per month on a payment protection from Feb 2003 until I closed the mortgage in Jun 2004 (approx £320).

    Only by re-reading the above letter I received in Jan 2003, do I realise that I could have cancelled the cover, to prevent my payment going up.

    Do I have grounds for a claim or just chalk it up as being careless?

    TIA
    Originally posted by W1zz

    Hiya

    I would ask Dunstonh on Mortgage PPI, if you post this on a separate thread ( Mortgage PPI help), then I'm sure Dunstonh will be along to give some help on this for you.
    Stay within the reclaiming threads but keep it separate if you know what I mean, so it won't be missed.
    Good luck.
    The one and only "Dizzy Di"
  • klflosser
    Letter from Barclaycard this morning putting decision on hold due to JR. That makes 4 now. Original 2 barclays loans sent to FOS some time ago but nothing more heard at present. Let's hope we all hear something about the JR soon. Suppose it is more promising than a definite NO.
  • Footiemad
    Afternoon all

    Just thougt I would update regarding my claim with Pinnacle. I made a call to the FOS this morning asking them to explain in more detail why my complaint was against the underwriter. This due to the fact that my complaint cannot be considered against the business that sold the policy because they were not regulated before 2005

    "Due to the complex nature of the issues involved, there will be a delay.... (REALLY!!!). I am sorry. We will provide you with a further update on your complaint by 31st May 2011."

    Well I have waited 18 months!!!!!!

    I asked if anyone has been successful, as there must be others whose complaints go back further than mine, but I wasn't given a straight forward answer.

    So for anyone who has raised a complaint when the company wasn't regulated before 2005, there is going to a long wait, nevermind the FR. They are still to seat around the table and go through it all. ?????
    Footiemad 2013 - SPC no.1147...Keeep potting!!
    2013-VSP #21 £14.59
    SPC 2012 - £207.44
    SPC 2011 £647
    VSP 2011 £70.37
    23lb/54lb
    • di3004
    • By di3004 11th Apr 11, 2:59 PM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    Afternoon all

    Just thougt I would update regarding my claim with Pinnacle. I made a call to the FOS this morning asking them to explain in more detail why my complaint was against the underwriter. This due to the fact that my complaint cannot be considered against the business that sold the policy because they were not regulated before 2005

    "Due to the complex nature of the issues involved, there will be a delay.... (REALLY!!!). I am sorry. We will provide you with a further update on your complaint by 31st May 2011."

    Well I have waited 18 months!!!!!!

    I asked if anyone has been successful, as there must be others whose complaints go back further than mine, but I wasn't given a straight forward answer.

    So for anyone who has raised a complaint when the company wasn't regulated before 2005, there is going to a long wait, nevermind the FR. They are still to seat around the table and go through it all. ?????
    Originally posted by Footiemad

    Hi FM.

    Thanks for your update, I was infact wondering about yours over the weekend and was about to ask, so you beat me to it. LOL

    Funny enough I received a letter dated 31 March in regards of the underwriter from the FOS to tell me there will be a delay, mine have been with them since before 2009 as well.
    I know how frustrating it is, but you have waited this long and stay strong now, we will get there.
    I say one thing though, at least the FOS are keeping on at them and have taken them on, so that means something I suppose.

    Lets hope we get some hopeful results after all this waiting.

    Good luck honey and I everything crossed XX
    The one and only "Dizzy Di"
    • di3004
    • By di3004 11th Apr 11, 3:02 PM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    Letter from Barclaycard this morning putting decision on hold due to JR. That makes 4 now. Original 2 barclays loans sent to FOS some time ago but nothing more heard at present. Let's hope we all hear something about the JR soon. Suppose it is more promising than a definite NO.
    Originally posted by klflosser

    Hiya.

    My 2 with Lloyds are also held back due to the JR.

    I also had some successful cases last year via Lloyds, but this was all before the JR issue came into affect, if I had came across these last 2 with the other reclaims last year I would have dealt with them the same time, but never mind.

    Good luck on yours too xx
    The one and only "Dizzy Di"
  • shellbo10
    PPI help
    Hi I need some advice on a ppi claim .

    Last Sept Simms & Carmichael took my details about a loan that I had taken out in 2004 with Household Bank.
    I sent them my loan docs and my details and have recieving feedback since.Firstly I was told that HSBC held my details and they actually owned Household bank.Then they lost my loan documents
    Luckily I still had my check stubb and account ref no on it.
    I paid back around 8500 in total

    Then in December last year I recieved a letter telling me that Key Financial had now taken over The Simms & Carmichael claiments
    The original loan was for £5000 and I had 2 lots of PPi with it life insurance and critical illness insurance. I paid the loan back in 2005.
    this person dealing with my claim keeps telling me that the review is on going.
    I am getting quite fed up, I am on a DMP and really trying to sort my finances out and they are aware of this. This is the last email sent below
    I am emailing in relation to our previous discussions regarding the judicial review. I wanted to ensure you that I will update you as soon as there has been any developments with regards to the hearing. Please see the below media statement posted yesterday:-
    ‘The outcome of the Judicial Review into PPI Redress is expected shortly. Whilst a decision has been reached, it will not be made known until officially handed down by the Judge. This is expected as soon as the legal teams of the various parties can fix an available date in the Judge’s calendar.’
    can some one pls help me
    Thanks
    • di3004
    • By di3004 11th Apr 11, 3:25 PM
    • 42,529 Posts
    • 56,679 Thanks
    di3004
    Hi I need some advice on a ppi claim .

    Last Sept Simms & Carmichael took my details about a loan that I had taken out in 2004 with Household Bank.
    I sent them my loan docs and my details and have recieving feedback since.Firstly I was told that HSBC held my details and they actually owned Household bank.Then they lost my loan documents
    Luckily I still had my check stubb and account ref no on it.
    I paid back around 8500 in total

    Then in December last year I recieved a letter telling me that Key Financial had now taken over The Simms & Carmichael claiments
    The original loan was for £5000 and I had 2 lots of PPi with it life insurance and critical illness insurance. I paid the loan back in 2005.
    this person dealing with my claim keeps telling me that the review is on going.
    I am getting quite fed up, I am on a DMP and really trying to sort my finances out and they are aware of this. This is the last email sent below
    I am emailing in relation to our previous discussions regarding the judicial review. I wanted to ensure you that I will update you as soon as there has been any developments with regards to the hearing. Please see the below media statement posted yesterday:-
    ‘The outcome of the Judicial Review into PPI Redress is expected shortly. Whilst a decision has been reached, it will not be made known until officially handed down by the Judge. This is expected as soon as the legal teams of the various parties can fix an available date in the Judge’s calendar.’
    can some one pls help me
    Thanks
    Originally posted by shellbo10

    Hi and welcome.

    Sorry to hear of your issues.

    Did you post them the originals or send them copies of the loan documents?
    If you need to do this again in the future I would send them copies only, and another way to get hold of any paperwork on your account would be a Subject Access Request (SAR) where they have 40 calendar days to comply, but you pay a charge of £10 cheque or postal order for this request.

    This is of course optional - but just to let you know for the future in case you were not aware of this.

    Unfortunately, many are in the same position and also on payment plans due to hardship, it does make it more frustrating all the waiting because of the JR.
    Hopefully there will be a firm decision made sooner rather than later.

    Did the business mention the Financial ombudsman Service (FOS)?
    Normally once the 8 weeks have passed you do have the option, or they will give you the option to wait until the JR decision.

    However, its the same for the FOS unfortunately, even though we can still continue to make the complaint to the FOS, they can still make a decision, but again they will also have to wait for the JR decision.

    Its a right pain I know.
    A decision have probably already been made, but as you also stated they are now just waiting for it to be handed to the judge to announce.

    Try to bear with it, and only pay what you can or arranged through the DMP.

    For more help on hardship, the thread called debtfreewannabe is very useful and they are very helpful, if you require any help on this check out the thread below, and feel free to post up.

    Good luck with this, hope you hear something soon, fingers crossed.
    http://forums.moneysavingexpert.com/forumdisplay.php?f=76
    The one and only "Dizzy Di"
    • amersall
    • By amersall 11th Apr 11, 6:08 PM
    • 16,411 Posts
    • 18,400 Thanks
    amersall
    Many thanks amersall, but I'm now very confused

    The PPI guidance suggests asking for terms & conditions (12-14 days), writing to your seller (with the questionnaire), following up your complaint, and then if all else fails complaining to FOS.
    If you know the reasons for mis sell and you have the account numbers of the accounts, then that is all you need to make a claim. The template letters are ok but if you end up taking this to FOS, then you have to fill another template in!! it is so much easier just writing a short letter to the lender and put "i believe i was mis sold ppi on the above account number because... and give the reasons you think you were mis sold.
    The credit card reclaim guidance suggests getting your statements (40 days), asking for your money back, what to do if they place you on hold, threatening court action and sending a FOS complaint form.
    This is really not necessary!! if you have the account numbers.
    However, at least one of the lenders fits into both categories. Whilst I'm going to tackle PPI and credit card charges separately (as mentioned before), I just can't get past a mental barrier. I'm really sorry for taking up so much forum space.
    I am not suprised you are having a mental barrier!!. Reclaiming is easy and i think the template letters make it very daunting to make a claim. especially for newbies.

    For PPI, I thought I'd need to know how many instances of PPI have been applied to the accounts (from statements), so I can add this up should I ever get to the stage where an offer is made.You do not need to add the ppi up, if you win you will be made an offer, then you can post the figures on here and someone wll check they are right Or, so I can put it down on the 'why are you now unhappy with the insurance' part of the questionnaireYou are unhappy with the insurance because of the reasons you give for mis sell.. Or, just because I genuinely don't know!
    If this supporting statement information plugs the gaps, then should I not ask for it? As i have said, you do not need all the info pertaining to your account, if you have valid reasons for mis sell and the account numbers.

    I wanted to use a SAR to get these PPI statements (because there was no PPI statement request template), and because I thought I could also use it to ask for terms & conditions (and anything else relating to the account) at the same time. I'd hoped to get both the statements and terms & conditions I needed, before writing to the seller with the questionnaire.
    You will only need a sar if you need account number or other info (especially for the bank charges)
    Can I use a SAR for PPI? (amersall, you kindly offered advice elsewhere and said you weren't sure on this point).

    If I can't use a SAR, after I've asked for my terms & conditions, can I adapt the 'getting your bank statements' template used for charges, to say I'd like details of my PPI charges over the last 6 years?

    This would be the only instance where my PPI and credit card reclaim approaches converge. Using the same 'getting your bank statements' template to request statements; one amended for PPI, the other unchanged for credit charges.

    After that, my PPI reclaim would continue with the questionnaire; my credit card reclaim would continue with 'asking for your money back'.


    I really appreciate everyone's advice, help and time in replying to my posts. Thank you so much.
    Originally posted by Munro Bagger
    As yours are credit cards, i think someone who has claimed these back already will guide you more on this.
    You really do not need to use the template as it is easier to write a few lines in your own words.
    I find the template very off putting, i am suprised that many use these, it really has you confused at the moment, i got all my wins with just a letter to the company, only one went to fos so only one headache with the template.
    Last edited by amersall; 11-04-2011 at 7:06 PM.

    • amersall
    • By amersall 11th Apr 11, 7:05 PM
    • 16,411 Posts
    • 18,400 Thanks
    amersall
    Afternoon all

    Just thougt I would update regarding my claim with Pinnacle. I made a call to the FOS this morning asking them to explain in more detail why my complaint was against the underwriter. This due to the fact that my complaint cannot be considered against the business that sold the policy because they were not regulated before 2005

    "Due to the complex nature of the issues involved, there will be a delay.... (REALLY!!!). I am sorry. We will provide you with a further update on your complaint by 31st May 2011."

    Well I have waited 18 months!!!!!!

    I asked if anyone has been successful, as there must be others whose complaints go back further than mine, but I wasn't given a straight forward answer.

    So for anyone who has raised a complaint when the company wasn't regulated before 2005, there is going to a long wait, nevermind the FR. They are still to seat around the table and go through it all. ?????
    Originally posted by Footiemad
    Stop moaning
    Fingers and everything else crossed xxx

    • Smamfer
    • By Smamfer 11th Apr 11, 10:18 PM
    • 2,008 Posts
    • 53,294 Thanks
    Smamfer
    Just a quick heads up on mine, nothing flash but last heard from Halifax regarding my ppi on 16th March and today i came home to another later basically saying sorry we cant give you a decision as of yet but its being looked into , then they went on to say the courts had done this and done that etc


    on it goes but i cant moan really mines only been a few months x
    ~~Gonna Buy Me A Shrimp Farm Bubba~~
  • Footiemad
    Hi FM.

    Thanks for your update, I was infact wondering about yours over the weekend and was about to ask, so you beat me to it. LOL

    Funny enough I received a letter dated 31 March in regards of the underwriter from the FOS to tell me there will be a delay, mine have been with them since before 2009 as well.
    I know how frustrating it is, but you have waited this long and stay strong now, we will get there.
    I say one thing though, at least the FOS are keeping on at them and have taken them on, so that means something I suppose.

    Lets hope we get some hopeful results after all this waiting.

    Good luck honey and I everything crossed XX
    Originally posted by di3004
    Hi Di

    Great minds think alike Yes, I will keep strong and positive, no news is good news!!! Fingers and everything else crossed for the both of us and anyone else in the same boat

    Thanks xx
    Footiemad 2013 - SPC no.1147...Keeep potting!!
    2013-VSP #21 £14.59
    SPC 2012 - £207.44
    SPC 2011 £647
    VSP 2011 £70.37
    23lb/54lb
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

81Posts Today

2,106Users online

Martin's Twitter