PPI Reclaiming discussion Part III

maxdp

deborah46 wrote: »

I sent off stage 2 letter and the 2 weeks have been and gone,with no reply. Although i have sent this complaint to the fos will i contact TPF again of just leave it up to the fos now??
Any replys will be grateful

Leave it with the FOS.

Natalie6999

Marshallka where are you, we need you so much.

Please come back to us.

deborah46

Natalie6999 wrote: »

No as they sent my a final response after my first letter.

Mine also but i sent them the letter anyway asking them to look at my complaint again as they had not looked at all the facts. As it was an internet application i was told by one of their advisors when she called me for further details i would not get the loan without the ppi. I have asked them for the recordings and i have been told this may not be possible. Their reply basically said i signed the agreement and i was given a copy of the T&C's of the loan along with the ppi policy booklet so p**s off. Let the fight begin

nutmeg

Hi everyone
requested a SAR late December, since then i have recieved two letters,


1st letter Thanyou for requesting SAR blah blah Please note ****** is not obliged to supply records held in paper format if they do not form part of a relevent filing system. In the meantime,i would be greatful if you could contact me in order to clarify the exact information you require.
i contaced them asked for all credit agreements, and telephone calls, should i be asking for anything else?
Next day recieved a letter

2nd letter
Ypur request for all telephone calls that have been recorded, i can confirm that they are not routinely recorded Ther may be notes relating to telephone conversations included in the SAR. If you wish us to trace specific recordings then please supply us with

Date and time of each call
The telephone number you called
The telephone number you dailled from
The name of the colleague who dealt with your claim

Has anyone else had these questions asked? thought requesting a SAR would be straight forward as all info is in SAR request!!
Cannot remember phone calls/ times etc as was over six years ago, any suggestions folks?

maxdp

nutmeg wrote: »

Hi everyone
requested a SAR late December, since then i have recieved two letters,


1st letter Thanyou for requesting SAR blah blah Please note ****** is not obliged to supply records held in paper format if they do not form part of a relevent filing system. In the meantime,i would be greatful if you could contact me in order to clarify the exact information you require.
i contaced them asked for all credit agreements, and telephone calls, should i be asking for anything else?
Next day recieved a letter

2nd letter
Ypur request for all telephone calls that have been recorded, i can confirm that they are not routinely recorded Ther may be notes relating to telephone conversations included in the SAR. If you wish us to trace specific recordings then please supply us with

Date and time of each call
The telephone number you called
The telephone number you dailled from
The name of the colleague who dealt with your claim

Has anyone else had these questions asked? thought requesting a SAR would be straight forward as all info is in SAR request!!
Cannot remember phone calls/ times etc as was over six years ago, any suggestions folks?

Hi Nutmeg

That is a load of rubbish. It is up to them to supply this information. Put it back in their court.

nutmeg

maxdp wrote: »

Hi Nutmeg

That is a load of rubbish. It is up to them to supply this information. Put it back in their court.

Thanks for the reply MAXDP
Will contact them tomorrw, any ideas as to what exactly i should be asking for as i am not really up on these things?

10past6

maxdp wrote: »

Hi as soon as you are able I would send off for the SAR, as and when you can afford to

OK, what advantage will obtaining the SAR be?

maxdp wrote: »

You will probably find that although the Loan would be in both names the PPI only pays out to the first named on the Loan

This loan is a personal loan in my OH name ONLY.

maxdp wrote: »

Also as Pinknico says you could just rip up the form and throw it away. Depending on how you choose to do things

Well, I don't wish to assist them in any shape or form, they've made our life hell by refusing our DMP offer of payment.

maxdp

10past6 wrote: »

OK, what advantage will obtaining the SAR be?

This loan is a personal loan in my OH name ONLY.

Well, I don't wish to assist them in any shape or form, they've made our life hell by refusing our DMP offer of payment.

[FONT=&quot]This is a copy of a SAR you can see the information that they have to provide. You will then get copies of all agreements etc. Send a cheque for 10.00 and send the setter below altered for your purposes by recorded deliver.

They have 40 days from the letter request to send this to you.

This may be useful, but please bear in mind they may only go back as far as 6 years, some are lucky and may receive info going back further again.

Here is the SAR letter template below, good luck and post up anytime when y ou require further help from here.

Thank you to Laini

SAR - SUBJECT ACCESS REQUEST

[/FONT]Dear [FONT=&quot]

[/FONT]Re: Account number: [FONT=&quot]

[/FONT]In the first part under the Data Protection Act 1998:[FONT=&quot]

[/FONT]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. [FONT=&quot]

[/FONT]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.[FONT=&quot]

[/FONT]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.[FONT=&quot]


[/FONT]For the avoidance of any and all doubt, I reiterate:[FONT=&quot]

[/FONT]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). [FONT=&quot]

[/FONT]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).[FONT=&quot]

[/FONT]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.[FONT=&quot]





[/FONT]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. [FONT=&quot]

[/FONT]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.[FONT=&quot]

[/FONT]You have 40 days in which to comply with this request.[FONT=&quot]

[/FONT]This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.[FONT=&quot]

[/FONT]Yours Sincerely

hayjamdan

hi guys just a quick questions the banks 8 weeks is up on friday do they normally leave it till the last day to contact you and does it mean they wont uphold ur claim.

maxdp

nutmeg wrote: »

Thanks for the reply MAXDP
Will contact them tomorrw, any ideas as to what exactly i should be asking for as i am not really up on these things?

Hi Nutmeg see the SAR set out below. Did you send that particular one to them. If you did and they are still not responding then you could write once more give them a week to reply and say that you will report them to the Information Commissioners Office.

Good Luck Nutmeg