PPI Reclaiming discussion Part III

marshallka

davemchol wrote: »

Will an SAR prove or not whether the loan has been missold?

The SAR could prove to you what you already believe is true. It has all phone calls and logs of entries of your loan and everything from start to finish. It is very interesting and could give you back up of what you want to say so you say it with confidence.

dreamer33

matt4anna wrote: »

Hi all, this is my first post on the forum, although i've been reading and learning from it for a long while.

I have searched many threads, and have not yet found an answer, i would like to know if anyone has made a successful PPI claim against Advantage Finance Limited car finance?

But more specifically, on an agreement that started before car finance was regulated by the FOS? (Policy taken out in 2002 and settled in March 2005)

I was told years ago, when i was young, skint, foolish, and in need of a new car that i would not receive finace if i did not take out the PPI.

I'm actually a member of the Armed Forces, and therefore my wages are guaranteed, regardless of whether i am ill. This topped off with hoards of Personal Accident and Life Insurance (goes with the territory) i really don't need any payment protection.

Any information is greatly appreciated, positive responses eagerly anticipated!

Don't know if this is the right company or not but see below:

Advantage Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) with regard to advising on, arranging and administrating non-investment insurance contracts. Our FSA register number is 307864.

You can check this on the FSA's register by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

This is their website if its the right company:

http://www.advantage-finance.co.uk/home/terms.asp

Also I do not know when the FSA regulated, just checked and it was 14 jan 05 don't know who it was before them you would be best if you have a telephone number to call and ask.

Gerald_The_Frog

marshallka wrote: »

You can request from them a subject access request which is all the data that hold of you. You write to ask for this and have to give them 40 days to comply. There is a template here..and it does cost you £10. Send it recorded delivery and keep a note of the date and copy for reference..


Dear

Re: Account number:

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally where there has been any event in my account history over this period which has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention or other evidence of that manual intervention in relation to my business with you.

If you are unable to supply data relating to manual intervention because there has been no such manual intervention then please be kind as to confirm this in your response to this request.


For the avoidance of any and all doubt, I reiterate:

I hereby request that you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information that you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the Term or Condition on which you rely upon to claim such a charge.





I also require that you forward, within the above mentioned time scale, a true copy of the Terms and Conditions that were in force at the time my account was opened, and any subsequent amendments to those Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by XXXXX about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Yours Sincerely



(thanks to our Laini for this one!!!)


This may make you feel more secure in making the complaint

Hi
Just a quick question... If I want to to get my SAR from Barclays, do I just send a cheque made payable to Barclays with the text you supplied in the earlier post?? Could you confirm please?

Thanks a lot
G the frog:rotfl:

pinknico

"does anyone know whats happening with firstplus? i have a claim in at the moment with the FSA and have been told now that all claims against them are now being treated as one and they are looking at firstplus as a whole?? they have had my complaint for nearly 8 months" quote

Marshallka this is from another site today what do you think

marshallka

dreamer33 wrote: »

Don't know if this is the right company or not but see below:

Advantage Finance Ltd is authorised and regulated by the Financial Services Authority (FSA) with regard to advising on, arranging and administrating non-investment insurance contracts. Our FSA register number is 307864.

You can check this on the FSA's register by visiting www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234.

This is their website if its the right company:

http://www.advantage-finance.co.uk/home/terms.asp

Nice one dreamer.... Thats the way to do it...

Now the poster need to find out from the Ombudsman if these were members of the GISC as this was pre 2005.

pinknico

Gerald_The_Frog wrote: »

Hi
Just a quick question... If I want to to get my SAR from Barclays, do I just send a cheque made payable to Barclays with the text you supplied in the earlier post?? Could you confirm please?

Thanks a lot
G the frog:rotfl:

Yes £10 cheque.

marshallka

pinknico wrote: »

"does anyone know whats happening with firstplus? i have a claim in at the moment with the FSA and have been told now that all claims against them are now being treated as one and they are looking at firstplus as a whole?? they have had my complaint for nearly 8 months" quote

Marshallka this is from another site today what do you think

Wahoooo

I wanted this for so long..I bet they are being investigated or going into liquidation or something...

What site pinknico.. I have been on CAG today...was it there.

pinknico

Yes. First post in PPI.so excited for you!!

marshallka

matt4anna wrote: »

Hi all, this is my first post on the forum, although i've been reading and learning from it for a long while.

I have searched many threads, and have not yet found an answer, i would like to know if anyone has made a successful PPI claim against Advantage Finance Limited car finance?

But more specifically, on an agreement that started before car finance was regulated by the FOS? (Policy taken out in 2002 and settled in March 2005)

I was told years ago, when i was young, skint, foolish, and in need of a new car that i would not receive finace if i did not take out the PPI.

I'm actually a member of the Armed Forces, and therefore my wages are guaranteed, regardless of whether i am ill. This topped off with hoards of Personal Accident and Life Insurance (goes with the territory) i really don't need any payment protection.

Any information is greatly appreciated, positive responses eagerly anticipated!

Dreamer has given you some information on the FSA register about these but as you know they were not authorised at the time of your sale so you now need to ring the FOS and find out if they were members of the General Insurance Standards Council at the time of your sale too so that you know if you have recourse through the FOS if they refuse your claim.

Good luck..

marshallka

pinknico wrote: »

Yes. First post in PPI.so excited for you!!

Just noticed the person posting has no replies and also stated FSA and not FOS... . I would think that company needs investigating thorougly as they are crooks and everyone with loans needs the lot refunding if I had my way..:D .

Will keep an eye on the thread now...