PPI Reclaiming discussion Part III

mac666_2

marshallka wrote: »

Well done...:beer: .

What are they doing about the others???

got a letter to say thay have got one of my other letters, not got anything back about the other(but one was started over 6 years ago) so fingers crossed

showergirl

could anyone please advise me. I took out a loan with tesco in 2003 and was sold ppi with it. I assumed you had to take ppi to get the loan. I would like to claim this back but have been told that as the were not governned by the ombudman at that time I am wasting my time. Does anyone know if this is true. Thanks

Natalie6999

showergirl wrote: »

could anyone please advise me. I took out a loan with tesco in 2003 and was sold ppi with it. I assumed you had to take ppi to get the loan. I would like to claim this back but have been told that as the were not governned by the ombudman at that time I am wasting my time. Does anyone know if this is true. Thanks

I have made a claim to tesco, my loans were taken out in 2002 & 2007, as far as I know Tesco is in partnership with RBS who are covered by the ombudsman.

Can anyone confirm this?

marshallka

Just had a phone call from an Insurance company called Click Life insurance. Are these from the "click" companies that Di is dealing with.... told them where to go most politely...:eek:

showergirl

Natalie6999 wrote: »

I have made a claim to tesco, my loans were taken out in 2002 & 2007, as far as I know Tesco is in partnership with RBS who are covered by the ombudsman.

Can anyone confirm this?

How are you getting on with your claims

marshallka

Just received this in reply to my email about Firstplus and the jurisdiction issue..

Dear Mrs

Thank you for your email. There are jurisdictional issues on the complaint, however at present I am unable to discuss the matter further.

I will contact you as soon as I am in a position to do so.

Kind regards

marshallka

mac666 wrote: »

got a letter to say thay have got one of my other letters, not got anything back about the other(but one was started over 6 years ago) so fingers crossed

Wishing you good luck then here...:D .

Natalie6999

showergirl wrote: »

How are you getting on with your claims

I only sent my letters on Saturday, I rang today to check if my letter was being dealt with to be told that it would be 4-5 days before they could confirm if they have received them (I know they have i used track & trace).

Heres hoping we both have some luck.

martiUK

am i correct in saying that once it goes to fos that you should have no more contact with the company

marshallka

showergirl wrote: »

could anyone please advise me. I took out a loan with tesco in 2003 and was sold ppi with it. I assumed you had to take ppi to get the loan. I would like to claim this back but have been told that as the were not governned by the ombudman at that time I am wasting my time. Does anyone know if this is true. Thanks

Who has told you this??

All sales of insurance were under the jurisdiction of the FOS from 14th january, 2005 unless a bank before that or members of the GISC.

I would still give it a letter if you feel it was missold. It may be worth requesting a SAR from the them as this could have information in it to prove it was missold.

There is a template for the SAR here

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


Also note that this costs you £10 but like I say it may help. Send it recorded delivery and also make a note of when 40 days are up.


With regards to the misselling

Just take a look at the link here and see what you can add and delete from the letter that you send. There is also a template letter on there too but sometimes it can be better to make your own up from this.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck