PPI Reclaiming discussion Part III

di3004

Showergirl check this out here hun:

http://www.financial-ombudsman.org.uk/about/index.html

This is FOS info which confirms the service is free to consumers.;)

showergirl

di3004 wrote: »

Showergirl check this out here hun:

http://www.financial-ombudsman.org.uk/about/index.html

This is FOS info which confirms the service is free to consumers.;)

I think they charges the banks when they look at a complaint.

pinknico

Yes they charge the company who the complaint is against.

showergirl

pinknico wrote: »

Yes they charge the company who the complaint is against.

So with this in mind and the current fine of EGG, lets hope these companies get their act together and pay us our money back.

hayjamdan

di3004 wrote: »

Hello and welcome.;)
May I ask who these loans were taken out with? thanks.

We shall have to check to see if they were members of GISC prior to Jan 2005 when the FSA taken over, because if you were unsuccessful in reclaiming on these, the Financial Ombudsman can only investigate complaints if these firms were covered.
However if its a high street bank I think it should be okay.

I assume you still have all the paperwork for these then?
If not it maybe worth your while requesting this, ring first to ask if any charges for requesting copies of agreements, they may charge a £1 for these and must supply within I think 12 days of requesting, but request in writing as soon as you know if there is a charge or not.

Other than that, check this out here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

This is very useful and will give you some ideas, also a template you can use but use your own reaons and add as much info as you can.;)

They have 8 weeks to respond, post by recorded delivery and please let us know when you hear in case you require further help here, good luck.;)

Di
its with barclays. i have been looking through my paper work and i have found the first two but no luck with the most recent yet. the money they gave me back is that from the insurance or the bank

smudge2002

di3004 wrote: »

Hiya hun
Unfortunately if a claim has been made on these PPI products, such as for sickness-disability/unemployment they see if that you were aware and were happy with the terms of this.

However if you feel they have done wrong by this, I think you can still complain on that reason.
Write to them and explain what you have added in your post and you feel this is unfair due to your reasons.

Again they have 8 weeks to respond, let us know what they say, we shall take it from there hun, good luck.
Post by recorded delivery, with a bit of luck someone else will come along and help here as well with their opinion of this.;)

Di
x

Thanks for your response and to showergirl as well. I'm currently waiting for a call back from First Direct after the second person I spoke to yesterday escalated my complaint. I shall post back with an update when I've spoken to them.

hayjamdan

thanks for ur help, its with barclays.i have found the first two document but no luck with the most recent i have already sent off the first letter plus a form questionaire they sent me as well i just dont no if it was the insurance who paid me or barclays, and wat do u think my chances r with this claim. loan amount is £7000 and i pay 224.01 each month a total of £13,440.60 and this is over 60 months. not sure as well if its right document i have as there no figures and details of amount and payment

di3004

hayjamdan wrote: »

thanks for ur help, its with barclays.i have found the first two document but no luck with the most recent i have already sent off the first letter plus a form questionaire they sent me as well i just dont no if it was the insurance who paid me or barclays, and wat do u think my chances r with this claim. loan amount is £7000 and i pay 224.01 each month a total of £13,440.60 and this is over 60 months. not sure as well if its right document i have as there no figures and details of amount and payment

Hi there hayjamdan
Write to them and request for written calculations, this way you may know what is what and who paid out.;)

Yes its a lot of money and you may have a case here.

I was also thinking you could request a SAR which is known as a Subject Access Request, where they must provide everything they have on your account, all the information, including phone calls, emails etc, they have 40 days to supply all this info.
However there is a cheque payment or postal order of £10 you would have to enclose with for the request.

Here is the template, delete what does does not occur to you, and post by recorded delivery in order for proof and to keep a check on the timescales of 40 days.

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
...................................................................................................
Sent the above template off hun and they MUST provide everything they have on you, you may find that you will receive some useful info to help with your case, other than that as said on another post earlier, write to them to ask if there is a charge for them sending you copies of the agreements, then write to request for a copy of any agreement you do not have.

Good luck;)
Di
x

maxdp

marshallka wrote: »

Hiya maxdp, I have only just turned my puter on today as I feel like I am dying....:eek: . I have never felt so ill in my life. I have a cough that is so dry my lungs are killing me. There is not a bone in my body that does not feel like its had a punch from Tyson.

Oh Marshallka Poor You. I send you lots of love and a dodgy cuddle:kisses3:
Oh they took that one off. But hope you feel better soon.:o

maxdp

di3004 wrote: »

Blimey, well I have never heard of that and I was never charged for using their services, maybe its a business charge if you know what I mean, in other words they charge the business but not the consumer.;)

They charge the Business I believe.