PPI Reclaiming discussion Part III

di3004

Hikui wrote: »

I got the letter through *just* as the 8 weeks was coming to an end, the letter also makes mention that they 'aim to resolve any issues within 4 weeks' and will notify me if it's going to take longer - so it seems, as some of you have said, like a way for them to buy time.

I've sent the information off - it was clarification of any address changes etc - and will wait to see what happens. At this stage i'm happy to be patient, give them their 4 weeks and see what happens...or should I be getting militant now!

Thanks for all the advice ^^

Hi

Your so good for being so patient lol.....:T , well good luck and please let us know the outcome.;)

di3004

sotonsmut wrote: »

Hi again Di, just confused on a some of the wording in my offer letter. In my 2 previous accounts 8% interest was added in the final totals, but in the open account it says " i have calculated your refund with premiums on your PPI and the adding interest paid on those premiums. deducting from this figure a rebate of premiums up to todays date gives a figure of £4155.14 this is the amount paid on the PPI to date adding 8% interest to this figure creates your total refund amount. have they added the interest with figure, or has it still to be added. Because in the account breakdown they have a 8% credit interest figure of £269.50 which equals the settlement amount, where as i make it £332.40 on top of the settlement amount. Have they worded it wrong and can i exploit it!

Hi there

I would do what Pinknico suggested, contact them in order for them to rectify this for you and ask if they can post you how this was actually calculated the way it was (an explanation).;) Then come back to let us know, cheers.;)

di3004

Trickknowledge wrote: »

Hi All,
This is my first post!! But basically wanted some info. Not related exactly to PPI. So I am just sending a request to Black Horse about PPI and remembered they charged me for defaults I don't know exact figures but I remember them being excessive. Can I make a separate claim in the style of bank/credit card charges?

Thanks

Andrew

Hello Andrew and welcome.

Good luck with the PPI side of it and yes I am sure you can try for a separate claim on the charges, there is I think a separate thread for this.

If you want any help regarding the PPI side of things, please let us know.;)

di3004

pinknico wrote: »

Hey Di, been keeping busy today I see! You're brilliant. xxx

Hi Thanks Pinknico

Yes I had a bit of time to kill today, as my son had library this afternoon, his dad takes him, and the uncle, was here this morning, so thought I would see what was what on here.....:D

di3004

booi666 wrote: »

Good evening all,

Got a letter back today from hfc saying they had received my request and my Tenner YIPPEE FU--ING DO FINALLY:eek:


BUT,

They want to know which account i want the information on,when i put the account no on the sars W.T.F DUMB ASSES:eek:

They want a copy of my driving licence/passport before they will locate my information and send it on to me:mad: :mad: :mad:

Also if i have phoned them in the last 30 days as they only keep records of calls for 30 days.

I didnt sign my 1st request i can accep that but this is just gunna tip me over the edge:mad: :mad: :mad: :mad:

Anyone got any ideas./phone number for the sars team so i can ring em and give em some !!!!

thank you in advance ,

From your 1 seriously fu--ed off mother fu--er of a humble and loyal servent


Booi xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Hi Boo


Blimey......you added your account number and now they are asking you for it ?
I wonder if they are stalling Boo

Does it not give a tel number on the letter, ring that one and ask for the compliance department.;)

pinknico

booi666 wrote: »

Good evening all,

Got a letter back today from hfc saying they had received my request and my Tenner YIPPEE FU--ING DO FINALLY:eek:


BUT,

They want to know which account i want the information on,when i put the account no on the sars W.T.F DUMB ASSES:eek:

They want a copy of my driving licence/passport before they will locate my information and send it on to me:mad: :mad: :mad:

Also if i have phoned them in the last 30 days as they only keep records of calls for 30 days.

I didnt sign my 1st request i can accep that but this is just gunna tip me over the edge:mad: :mad: :mad: :mad:

Anyone got any ideas./phone number for the sars team so i can ring em and give em some !!!!

thank you in advance ,

From your 1 seriously fu--ed off mother fu--er of a humble and loyal servent


Booi xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

Hello dearest Boo :A thank you for your above post. I too have had dealings with HFC who are playing dumb on two loans I had with them.
I also had to send ID and fill out a form, still didnt get what I wanted. I have now copied the entries of the loans from my credit file and given them 7 days to comply, this has gone on since September 2008.:mad:

Sneakily the paper work for SARS has no phone number on it, but I will have a look now and see what I do have.
By the way CHILL !!!:cool:

zebedee70

This looks like a brilliant forum with a lot of helpful people, so I'd be grateful if someone who understands all this could take a look at my situation & see if a claim seems viable:-

I've had an HSBC credit card (amongst others, but now the only one I own), for well over 6 years...I don't have the original sign up documents, or many of my paper statements (been shredding!) for the duration, but I just realised from this site (while looking for details on another issue) that I've been paying PPI on the card - which is normally 'maxed out' (currently at £8900) - for the duration of having it - hence over time, I must've paid a small fortune for the PPI = interest.

Now, I think it's likely I signed up using a paper application form, sent in the post, so probably ticked a PPI opt-in box without properly understanding what it represented...and bear in mind, I have Type 1 diabetes (ie chronic illness), and also salary protection via my employment benefits, both of which would result in a decision NOT to take PPI (had I realised this!!) - in fact, Ive had several personal loans with HSBC in the meantime, where I've specifically NOT taken protection, as I knew my employer covered my, at least in terms of sickness.

Since I don't think I had any discussion with a real person re. the PPI opt-in, I think it's reasonable to suggest I didn't make an informed choice - but it all feels a bit tenuous, especially since I've had the card, and been paying the PPI without question for so long...

Could it be worth a claim, and on what grounds would give the best outcome (ie PPI not properly explained/discussed by the bank, the chronic illness issue, or the 'employer provides payment cover' route? Or indeed, a combination?)

Any advice gratefully received....

PS Also makes me wonder - I've had 2 x Barclaycards, 1 x Northern Rock, 1 x MBNA over the last 10 years - with a combined debt of £40K at one stage (all now paid off, no details kept), all of which had PPI on them (and all signed up on paper forms at home, not discussed with any of the banks concerned)....hmmmm?!?

booi666

di3004 wrote: »

Hi Boo


Blimey......you added your account number and now they are asking you for it ?
I wonder if they are stalling Boo

Does it not give a tel number on the letter, ring that one and ask for the compliance department.;)

Hi di,

I added the a/c no my inside leg measurement my favourite sweety info and even crossed our signatures like the earlier posting suggested,


Nope no telephone numbers:mad:

di3004

Lizzie_Cousins wrote: »

I have sent out 4 letters to different companies asking for details of PPI. However they have all written back to say I need to pay £10 for the information. Is this right? Please help!

Hi Lizzie

As KazC says, they should provide all the information they have on you on your account(s) and they have 40 days to do so as a deadline.

So its an SAR request they seem to be stating here for ALL the information you require, here is the letter template for this purpose and there is also a reclaiming letter you can use, we will get to that one later if you want to and just deal with the SAR for now, here, remember to post by recorded delivery for these::::

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

booi666

pinknico wrote: »

Hello dearest Boo :A thank you for your above post. I too have had dealings with HFC who are playing dumb on two loans I had with them.
I also had to send ID and fill out a form, still didnt get what I wanted. I have now copied the entries of the loans from my credit file and given them 7 days to comply, this has gone on since September 2008.:mad:

Sneakily the paper work for SARS has no phone number on it, but I will have a look now and see what I do have.
By the way CHILL !!!:cool:

Well hello there sex on legs:rotfl:

It seems i have the same paper work as you got:rolleyes:

Why are they being so dumb:mad:

It was a straight forward request about 1 account thats all:mad:

Ad chill oh god my wifes gunna get it big style now:eek: