PPI Reclaiming discussion Part III

marshallka

di3004 wrote: »

Sorry to butt in here folks, but has anyone ever tried those Kalms ?
Just wondered if anyone has tried them and your verdict of these ?
Cheers.:D

Never tried them but they can work so people say. You would have to ask your doc before taking them with the BP.

di3004

marshallka wrote: »

Never tried them but they can work so people say. You would have to ask your doc before taking them with the BP.

Yep true, best be safe, thanks hun.:D

marshallka

di3004 wrote: »

Yep true, best be safe, thanks hun.:D

Was it for yourself though Di..??

clanger69

di3004 wrote: »

Hi there hun
Contact them for a copy of your loan agreement, the details should be on there which will prove one way or another.;)
It may be free or they may charge a £1 for this but if you want to I would request a SAR where they have to provide absolutely everything they have on you.

Let me know if you want the SAR template for this or if you want to check to see if they supply you with the agreement first its up to you.

Good luck
Di

Hi Di3004

If you could post the template i'd be really grateful. I'll keep you informed of my progress. It appears that Lloyds are one of the more persistent banks when it comes to claiming back anything.................wish me luck!!

dreamer33

marshallka wrote: »

Yeah but they will never have to understand as they will most probably never have to go through it...

Does your older son live with his father dreamer now???

He decided when he was 14 to go live with his dad, didn't want to follow rules of the house, he broke my heart I was devastated. His dad did not help by letting him do what he wanted. It was all a game to his dad, he never forgive me for leaving him you see but he was to jealous and possessive I could not cope with this.

Then my son stole beer and tabs and his dad had enough and threw him out, I could not let him go onto the streets so I took him in again. It just caused arguments because he did not want to be told what to do. He got picked up on the streets at 1am by police they knocked on my door at 3am I was shaking like a leaf. My son (17yrs) said he was staying at his friends house.

I'd had enough and gave him an ultimatum to live by rules or find somewhere else to live, he left was upset but had to be cruel to be kind. Went to live with friends and now with his dads sister.

di3004

marshallka wrote: »

Was it for yourself though Di..??

Yep.......I seen the ones on TV to help get a refreshing sleep, have you seen them advertised ?
I feel awful in the mornings but then I do not sleep much anyway, so that's the underlying problem there really.

marshallka

clanger69 wrote: »

Hi Di3004

If you could post the template i'd be really grateful. I'll keep you informed of my progress. It appears that Lloyds are one of the more persistent banks when it comes to claiming back anything.................wish me luck!!

Here is a template one from our 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

clanger69

maxdp wrote: »

Given up they ignore me now.:mad:

i emailed them about an Egg PPI claim and they replied today to say they are still waiting to allocate an adjudicator...................11 months later!

I'll keep my fingers crossed and think i'll be lucky if i get a result before Xmas!

dreamer33

di3004 wrote: »

Sorry to butt in here folks, but has anyone ever tried those Kalms ?
Just wondered if anyone has tried them and your verdict of these ?
Cheers.:D

Tried them but think I'm too mental for them to work :rotfl:

di3004

clanger69 wrote: »

Hi Di3004

If you could post the template i'd be really grateful. I'll keep you informed of my progress. It appears that Lloyds are one of the more persistent banks when it comes to claiming back anything.................wish me luck!!

No problem hun, you will have to pay £10 cheque or postal order and they have 40 days, post by recorded delivery.
Marshallka also posts a good one too which Laini our other member uses, but here is one here also.

Your address

Their Address

Date

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully


Your name