PPI Reclaiming discussion Part III

pinknico

Love your new siggie Max;)

maxdp

boo34 wrote: »

hi thank you for that
do the have a website,sorry to be a pain.
:T maxdp.

Hi Boo

Cannot get to me bureau have lost key. Oh Dear. See Pinknico has given you a link. Hope that should sort you out.

maxdp

pinknico wrote: »

Love your new siggie Max;)

Ta. just going to sign in if you are able to.;)

Neptune76

becks.989 wrote: »

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.

Hi. I myself am trying to claim back my PPI from welcome rip off finance. Had letter from them saying they will not be paying back the insurance. My reason for reclaiming was because I was told that I had to have the insurance to get the loan. They say they have listened to the call and o not agree. Can I ask what your reason for claiming was?

pandy12

pinknico wrote: »

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.

Hello and thank you so much for sending me the SAR letter. I have had my current account with the co-op since 1994 so shall I just amend the part on the letter to time that I took out the first loan of 12K (£2K of which was PPI )back in Dec 04.
this loan we paid off in Dec 06, does that make a difference?

This loan was in my name but privately it was a joint one and my partner paid half that is why he is very unhappy that were were mis sold the PPI.
I am wondering if anyone else has had success with the co-op as regards being missold PPI. I am quite happy to go and open and account with another bank as I have been thinking about it for a while, is it worth saying this in the letter?

Many thanks for your help and support
best wishes
Pandy

pinknico

Hello Pandy, yes just ask for the info on the product (loan) you want the information on.It makes no difference.
If you go to the PPI success thread and type in co op in the "search this thread " section you will see if anyone on here has succeded, but dont worry if not, you may be the first!
If you want to open another account that is fine and telling them is up to you. But this claim should have no bearing on your current account.

maxdp

Neptune76 wrote: »

Hi. I myself am trying to claim back my PPI from welcome rip off finance. Had letter from them saying they will not be paying back the insurance. My reason for reclaiming was because I was told that I had to have the insurance to get the loan. They say they have listened to the call and o not agree. Can I ask what your reason for claiming was?

Neptune

Can I ask have you heard the tape?

Credit-Crunched

boo34 wrote: »

hi as i put today i won the ppi.
would anyone no of any companys that would insure me for the loan i still have running as i have cancelled the one with the bank. any advice would be great thank you all,

nice to see you on here today di:D , you have been a great help to me and many others on here keep it up.:A
also,
marshallka,:A
pinknico,:A

I would ignore ppi policies tbh, you are better off obtaining an income protection policy. Far greater coverage and more use

maxdp

boo34 wrote: »

hi thank you for that
do the have a website,sorry to be a pain.
:T maxdp.

Boo you are not a pain it is lovely to see you on here.x

pinknico

Neptune76 wrote: »

Hi. I myself am trying to claim back my PPI from welcome rip off finance. Had letter from them saying they will not be paying back the insurance. My reason for reclaiming was because I was told that I had to have the insurance to get the loan. They say they have listened to the call and o not agree. Can I ask what your reason for claiming was?

Have you asked for a copy of the phone call?