PPI Reclaiming discussion Part III

di3004

SuzySu wrote: »

Hi again

Should I be requesting my SAR from Picture (who mis-sold me the PPI) or from FSCS. Or should I just go straight to FSCS and request the forms.

Thanks

I had a job to retrieve a SAR from Twopart/eloan as they went into liquidation, so this went straight with the FSCS, maybe Pinknico could confirm if they have anyone dealing with these SAR's because the ICO told me to contact the liquidators, I have tried this but I have not been lucky so far, I do have the main of the paperwork though, or just the standard stuff, but phone call recordings would have been useful as I know they were recorded in the sale of this ppi.;)

pinknico

I would write to Picture for your SAR, see what they come back with.

Toffee_Penny

HI Di

The account was opened on July 2004, we requested refund of ppi using the template letter on this site due to OH being self employed. Barclaycard wrote back saying they were sending us a copy of application form which showed tick requesting ppi and sod off to a refund.

I replied with standard SAR letter with £10 just in case

They replied today with copy of monthly statements from 04 to now and letter saying this is all the information relating to the account they hold

pinknico

As Di says they may send you straight to the FSCS.

di3004

pinknico wrote: »

I would write to Picture for your SAR, see what they come back with.

Hi Pinknico, glad your here to confirm this meanings you have dealings with Picture.;)
Did you manage okay to receive your SAR then Pinknico?

When I wrote to Twopart before knowing they were no longer running, it was the liquidators who wrote back to me and returned my £10 cheque,and confirmed they are unable to get the details as the company went into liquidation, I then contacted the ICO who said they should be able to......

pinknico

Toffee_Penny wrote: »

HI Di

The account was opened on July 2004, we requested refund of ppi using the template letter on this site due to OH being self employed. Barclaycard wrote back saying they were sending us a copy of application form which showed tick requesting ppi and sod off to a refund.

I replied with standard SAR letter with £10 just in case

They replied today with copy of monthly statements from 04 to now and letter saying this is all the information relating to the account they hold

I would send a copy of the letter saying that they were sending a copy of the application form and say you want the rest of the information or you will be contacting the ICO.

di3004

Toffee_Penny wrote: »

HI Di

The account was opened on July 2004, we requested refund of ppi using the template letter on this site due to OH being self employed. Barclaycard wrote back saying they were sending us a copy of application form which showed tick requesting ppi and sod off to a refund.

I replied with standard SAR letter with £10 just in case

They replied today with copy of monthly statements from 04 to now and letter saying this is all the information relating to the account they hold

Hiya hun
Blimey there should be a cca for this, its only 5 years ago coming up.
Something not right about this......

I see you received a standard fob off response then with them stating the usual.

Have they given you the opportunity to write to them again ?
Are you eligible to take these to the Financial ombudsman service do you know, if it comes to this point?

If these were not covered by GISC at the time where the FSA as you know taken over Jan 2005, there may be a problem regarding taking this to the FOS, although some have tried or trying through the Financial leasing association, some have been lucky with these, some unfortunately not.. , but write back and tell them you want this reconsidered hun.

Think we have been though this one before haven't we?
Or it may have been another member on here lol....

pinknico

When I first asked for the SAR regarding mis selling, I was told to go straight to the FSCS.
But when I went through loan check (Peter) they handed over the information no problem. (?!)

di3004

pinknico wrote: »

When I first asked for the SAR regarding mis selling, I was told to go straight to the FSCS.
But when I went through loan check (Peter) they handed over the information no problem. (?!)

Hmm strange that?
They should have really provided this when you requested this....
Glad its sorted now though.;)

At what stage are you with Peter now Pinknico?

nutmeg

di3004 wrote: »

Hi nutmeg

Who was this company now hun?

You have a choice now really, you can either wait to see what they come up with next, or go to the FOS from here.
If you decide to take this to the FOS, remember to write back to the company enclose a completed copy of your complaint form, tell them you feel it was time to move on to the Financial ombudsman service as you believe they have had ample time to resolve your complaint and you enclose a copy of the complaint form for their records and interest.

Now they may still reconsider while your complaint is with the FOS, if this is successful, just let the FOS know.

As you know enclose copies of correspondence with the complaint form to the FOS.;)

You can download the form or ring them to ask if they can send one through the post, after completion, photocopy another 2, one for the finance company and the other to keep for yourself.

But this is up to you hun on what you feel is best, sometimes this way can make them work and consider this quicker for you.
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Keep us posted hun, we are here to help.....:D and good luck X

Thanks for the reply Di,
The company is Halifax, if i decide not to go to FOS just yet how long should i give them?