PPI Reclaiming discussion Part III

marshallka

mac666 wrote: »

Hi

As you may remember I'm trying to claim back the ppi from Halifax on a couple of old loans. I've sent off first letters but didn't have account numbers.

I rang Halifax and asked for the loan agreements, Only to be told to write a letter. Bless them they have replied in a couple of days. I got a letter back saying they can't help me (even though I have put all the addresses i have moved to as asked). The letter i've got back from them is asking for my agreement numbers or a contact name plus a customer name and address which they have got.

Are they just stalling me or playing hard to get?

I am thinking to send a SAR and paying £10 and getting all the info i need.

Just wanted you thoughts on this

Thanks for any help

Mac

I would now request the SAR from them and send it recorded delivery too. I had the same problem with the co-op and made the mistake of ringing at first. They will have to respond to your letter though.

marshallka

miaverline wrote: »

I wonder if anyone can help me. I am confused with reclaiming / PPI., but came across something on the net and thought 'thats me'. I'm employed by NHS and have found an article on the net relating to a nursing asst.
who claimed almost 1900 back.... as she took out critical illness cover with her mortgage 4 years ago... and realised that as she was adequately covered by her employer the nhs, and was advised to take this cover out, even thought she did not need it..... she was missold this. Is this right and would I be able to claim.. my circumstances are exactly the same.. but live cover and critical illness is together and i am paying nearly 39.00 per month for this?? thank you for your help.

Is it a monthly payment that is cancellable at any time. If it is then get it cancelled if its of no use to you and then write the reclaim letter. When was this taken out though...??

maxdp

mac666 wrote: »

Hi

As you may remember I'm trying to claim back the ppi from Halifax on a couple of old loans. I've sent off first letters but didn't have account numbers.

I rang Halifax and asked for the loan agreements, Only to be told to write a letter. Bless them they have replied in a couple of days. I got a letter back saying they can't help me (even though I have put all the addresses i have moved to as asked). The letter i've got back from them is asking for my agreement numbers or a contact name plus a customer name and address which they have got.

Are they just stalling me or playing hard to get?



I am thinking to send a SAR and paying £10 and getting all the info i need.

Just wanted you thoughts on this

Thanks for any help

Mac

Hi Mac

I would send the SAR and 10.00 in under the Data Protection Act they need to send you the information. Marshallka or Di am sure will send you a fab letter that you can use.

Good Luck:D

pinknico

Hi Mac,
I would send an SAR and enclose a photo copy of either your passport or driving licence, a copy of a utility bill and a copy of a credit card statement.All for your present address.
State the address you were at when you had the loans and dates of loans if possible.

I did all this with Egg and got everything.

maxdp

marshallka wrote: »

Is it a monthly payment that is cancellable at any time. If it is then get it cancelled if its of no use to you and then write the reclaim letter. When was this taken out though...??

Know Marshallka has replied

Nursing is one of the only professions that can use their overtime when getting Mortgage figures e.g. x 3 is not just basic but overtime as well . Cause there is always work for us nurses:rotfl: Working for the NHS indeed covers you for lots of stuff. Did you not realise that you were signing up for PPI. Why did you take it on or did you not know you were.:eek:

Shellbell

Hi all
Just received first acknowledgement letter from Co-op and that they were looking into my complaint, still waiting to hear from Abbey. I actually resent the letters again yesterday updated with the fact that both loans had SPP on them. Fingers crossed!! :-)

marshallka

maxdp wrote: »

Hi Mac

I would send the SAR and 10.00 in under the Data Protection Act they need to send you the information. Marshallka or Di am sure will send you a fab letter that you can use.

Good Luck:D

Like this one thanks to Laini

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

maxdp

Shellbell wrote: »

Hi all
Just received first acknowledgement letter from Co-op and that they were looking into my complaint, still waiting to hear from Abbey. I actually resent the letters again yesterday updated with the fact that both loans had SPP on them. Fingers crossed!! :-)

Good luck Shellbell what is SPP ( is that Sickness Protection Payment):eek:

marshallka

Shellbell wrote: »

Hi all
Just received first acknowledgement letter from Co-op and that they were looking into my complaint, still waiting to hear from Abbey. I actually resent the letters again yesterday updated with the fact that both loans had SPP on them. Fingers crossed!! :-)

Good luck then. Co-op don't rush so be warned.:D

marshallka

pinknico wrote: »

Hi Mac,
I would send an SAR and enclose a photo copy of either your passport or driving licence, a copy of a utility bill and a copy of a credit card statement.All for your present address.
State the address you were at when you had the loans and dates of loans if possible.

I did all this with Egg and got everything.

Any more news on the firstplus thing yet pinknico

I have checked the thread and two more inputs.

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/166216-firstplus-ppi.html