PPI Reclaiming discussion Part III

pinknico

It is possible you have a claim for the first loan if you thought you had to have it, with the second loan if you knew you were getting the PPI and wanted it as your job was not secure then I am not sure why you think you were mis sold it.
You have 2 choices with the first loan you can send an SAR to get all the information CO OP hold about you, the loan and the sale of the loan or you can just send a letter of complaint about being mis sold.

nutmeg

maxdp wrote: »

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

Thanks maxdp, have printed off another SAR have also enclosed a brief note asking them to adhere to all requests otherwise i will report them

pandy12

Thank you for your reply pinknico, please can you explain to me what a SAR and how do you get one, is there a sample letter or document anywhere. Many thanks for your advice it is most appreciated.
Best wishes
Pandy

pinknico

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

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



This is the template that we use on here.

pinknico

When you send this off you should then get all the information that it asks for. Please send recorded so you know they get it.

FloodNo

Hi. I'm new to all this and seeking some advice First Plus PPI's.

We took out a First Plus Loan out in June 2006. I was not involved in the conversations, but recall my husband telling me that if we didn't take out the PPI we probably wouldn't get the loan. Subsequently we took out the PPI of £11K+.

I have read a lot of threads on this site and have learnt alot.

I have dug out my paperwork and discovered out PPI is valid for 60 months only. Now both of us have never been out of work (fortunately) and the policy isn't worth the paper it is written on. I have read through the small print and now discovered that I am not covered ONLY my husband. None of this was explained. Oh and my date of birth is wrong so would this make it invalid?

I have written to First Plus to get a response that they explained the policy was optional and the paperwork was signed by us which stated the interest was added. I'm sorry, but these people have taken full advantage of people in an unfortunate position. This was never explained whilst taking out the loan and I am so angry with them.

The letter also refers to my husband, but hang on shouldn't I have been spoken to considering I was joint on the loan?

we were never asked about previous medical history or were we told we could take out a policy elsewhere.

I am going to write to them again and request all details of the conversation and a tape recording that they are refering to. If they cannot provide this I will take my complaint further.

These people are con artist who take advantage. They charge expensive interest rates.

We are paying a ridiculous amount of interest and may I add has gone up woth every interest rate increase, but funny enough never gone down.

What do you reckon my chances are?

becks.989

Hi.

I started reclaiming my ppi at about this time last year. i went through the motions with the template letters and had a final response from welcome finance stating that they were not prepared to pay up. I contacted the FOS who duely wrote back to me to say as welcome were not regulated by them at the time of me taking out the loan they coun't help me. So i gave up.

Today, i have recieved a letter from FOS saying they were wrong and many people have succesfully claimed back from welcome and to resubmit my complaint and they will look into it again as they think they can help me.

Well i'm over the moon. I thought that it was very nice of the, afterall they didn't have to contact me.

So Welcome Finance here i come.

Has anyone else recieved a letter like this.

10past6

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.

We've decided were not going to complete the PPI questionnaire, we're just going to send it back uncompleted, but does anyone have a covering letter I can attach to explain why the questionnaire is not completed.

The covering letter states if we do not complete and return the questionnaire within 14 days they will assume we no longer wish to proceed with our complaint / claim.

Natalie6999

Where is Di tonight?

Come on Di we need you more than ever.

pinknico

FloodNo wrote: »

Hi. I'm new to all this and seeking some advice First Plus PPI's.

We took out a First Plus Loan out in June 2006. I was not involved in the conversations, but recall my husband telling me that if we didn't take out the PPI we probably wouldn't get the loan. Subsequently we took out the PPI of £11K+.

I have read a lot of threads on this site and have learnt alot.

I have dug out my paperwork and discovered out PPI is valid for 60 months only. Now both of us have never been out of work (fortunately) and the policy isn't worth the paper it is written on. I have read through the small print and now discovered that I am not covered ONLY my husband. None of this was explained. Oh and my date of birth is wrong so would this make it invalid?

I have written to First Plus to get a response that they explained the policy was optional and the paperwork was signed by us which stated the interest was added. I'm sorry, but these people have taken full advantage of people in an unfortunate position. This was never explained whilst taking out the loan and I am so angry with them.

The letter also refers to my husband, but hang on shouldn't I have been spoken to considering I was joint on the loan?

we were never asked about previous medical history or were we told we could take out a policy elsewhere.

I am going to write to them again and request all details of the conversation and a tape recording that they are refering to. If they cannot provide this I will take my complaint further.

These people are con artist who take advantage. They charge expensive interest rates.

We are paying a ridiculous amount of interest and may I add has gone up woth every interest rate increase, but funny enough never gone down.

What do you reckon my chances are?

You are doing the right thing requesting this information. You have a good chance here as you can take your case to the FOS if First Plus dont play ball. Let us know what info they send back .