PPI Reclaiming discussion Part III

di3004

sandraroffey wrote: »

she hasnt settled the account at the msoment she cant afford to pay the full amount - just moved, husband not earning as much etc - so its still running. i have asked for all information and a breakdown of charges and PPI and they arent budging on anything. i also asked for proof; copy of agreements or recorded telelphone conversations etc regarding the PPI and all i have had back is a brief letter with the charges and PPI shown as two totals, and the same etter made it quite clear they wont be paying anything. so i wrote back and it was a pay up or you're dead letter, threatenening with the financial ombudsman, and the letter we got back, was the one i have quoted earlier on the thread.

need some help here with a good letter that will knock them flat. and will send a copy to the FSA.

When did you send the letter requesting for the breakdown hun?
Was it an SAR (Subject Access Request), if so they must comply within 40 days of the letter, this costs £10 but they MUST supply this or this can be reported to the Information Commissioners Office, if you want to know more about these let me know hun, of if you require a SAR template etc, cheers.

I know its none of my business, but if her hubby is earning less now, maybe working tax credit may be of some help for them.
They should backdate so far as well to my knowledge.

dreamer33

sandraroffey wrote: »

she hasnt settled the account at the msoment she cant afford to pay the full amount - just moved, husband not earning as much etc - so its still running. i have asked for all information and a breakdown of charges and PPI and they arent budging on anything. i also asked for proof; copy of agreements or recorded telelphone conversations etc regarding the PPI and all i have had back is a brief letter with the charges and PPI shown as two totals, and the same etter made it quite clear they wont be paying anything. so i wrote back and it was a pay up or you're dead letter, threatenening with the financial ombudsman, and the letter we got back, was the one i have quoted earlier on the thread.

need some help here with a good letter that will knock them flat. and will send a copy to the FSA.

Legally they have to send you everything they hold on your daughter. However they may only have info over the last 6yrs, they have 40 days to do this.

Did you send the template letter from this site and £10?

di3004

Sandra here is an SAR template, you send £10 either by cheque or postal order payment, they have 40 days to supply ALL information they have on your daughter, even phone call recordings, emails, just everything.
Post by recorded delivery, this way you can keep an eye on the deadline of 40 days, hopefully they will provide this earlier.;)
This SAR letter can be used for any finance company.


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

di3004

Here is the link to the London Gazette they have search boxes, where you can check out firms gone into liquidation etc, think you just click in the name of the firm and they should come up.;)

http://www.gazettes-online.co.uk/home.aspx?geotype=London

dreamer33

I'm off to bed Di, just saw my avvie pic move on its own :eek: must mean I'm tired lol :rotfl: my eyes feel like this smiling face lol :rotfl: :rotfl:

Nite Di catch you tomorrow x

Fingers crossed someone hears something tomorrow

di3004

dreamer33 wrote: »

I'm off to bed Di, just saw my avvie pic move on its own :eek: must mean I'm tired lol :rotfl: my eyes feel like this smiling face lol :rotfl: :rotfl:

Nite Di catch you tomorrow x

Fingers crossed someone hears something tomorrow

lol, you must be tired then hunni lol........:rotfl: :rotfl: :rotfl: , sleep well and catch you tomorrow, "sweet dreams"

of nice WINS for us all lol......:D .

Nighty night hun
Di.
xx

dreamer33

di3004 wrote: »

Here is the link to the London Gazette they have search boxes, where you can check out firms gone into liquidation etc, think you just click in the name of the firm and they should come up.;)

http://www.gazettes-online.co.uk/home.aspx?geotype=London

Had a little look got loads of info there. Will check it all out tomorrow x

masmit

morning,
i have waited 31 days for all documentation off blackhorse for previous loans & ppi, with nothing back. so on saturday sent a subject to access, enclosing a cheque for £10. recieved a phone call yesterday saying there was no fee for this but what information do i want. i said everything on the request, she then said they do not record telephone calls & asked again what information i required, same anwser. is this normal, or is this not complying to the request. feels like a control tactic to with hold information should i report this to the IFO. anyone had this happen to them

pinknico

Redcats were regulated by no one before 2005, your only hope is the small claims court.Also they had no credit agreement for my account ,no policy agreement and no recording of the alleged phone call selling the policy.
FOS may not be able to help but do complain to the FOS, FSA and ICO, as if the name Redcats keeps popping up then they will take notice.
Definately send a SAR , I bet they dont have a credit agreement for you, just a blank application form.

marshallka

catinthehat1 wrote: »

Still playing the 'waiting game':eek: Have emailed FOS recently re FP, they are waiting on evidence from them!! Getting a bit fed up with it all, if I owed them money, they would be on to me - funny how it doesn't work the other way!! Has anyone had any luck?:o

I know that this is what Firstplus seem to be doing to everyone here. They do not provide the information to the FOS for them to deal with the complaints. I think that FOS should put time limits in place here as at present they have none. Perhaps if they fined companies after not supplying things on time it might get them moving.

So sorry for you here catinthehat..:mad: