PPI Reclaiming discussion Part III

sarah8608

marshallka wrote: »

Have you tried to request it under section 77/78 of the CCA???

Dear Sir / Madam
Re: Account No:


With reference to the above account, I would be grateful for a signed copy of my Consumer Credit Agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of this agreement upon request. I therefore enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.


I understand that a copy of my credit agreement should be supplied within 12 working days.

thanks i will send this but what do i do next when they dont send it as they have already said they dont have it should they still have it from 13 yrs ago
sorry but i am getting confussed

di3004

hayjamdan wrote: »

ok good as i need it to claim my bank charges back also i wanted to find out barclays said they would have an answer for me no later than the 22nd of december if they dont answer my claim then do i need to ring them seeing my 8 weeks wouldnt run out by then it would be 8 weeks ending 17 of jan. thanks

Good luck with the SAR they have 40 days to supply this, SAR posted above, use the one Marshallka posted if you want to.;)

Wait for the full 8 weeks on the reclaim and if you have not heard anything by then, I would then take it to the Financial Ombudsman service.
You could always give them a bit of a nudge if you want to, some also do this.
Good luck.:D x

hayjamdan

di3004 wrote: »

Good luck with the SAR they have 40 days to supply this, SAR posted above, use the one Marshallka posted if you want to.;)

Wait for the full 8 weeks on the reclaim and if you have not heard anything by then, I would then take it to the Financial Ombudsman service.
You could always give them a bit of a nudge if you want to, some also do this.
Good luck.:D x

thanks alot

marshallka

sarah8608 wrote: »

thanks i will send this but what do i do next when they dont send it as they have already said they dont have it should they still have it from 13 yrs ago
sorry but i am getting confussed

Just give them one last try using this. I understand that some on the CAG site get their agreements this way using the legalisation letter. If they do not have it after this then we can look again but this may work...;) . (its a little more formal!!!)

Don't forget to send it recorded delivery too.

sarah8608

marshallka wrote: »

Just give them one last try using this. I understand that some on the CAG site get their agreements this way using the legalisation letter. If they do not have it after this then we can look again but this may work...;) . (its a little more formal!!!)

Don't forget to send it recorded delivery too.

thanks i will give it a try and let you no x

marshallka

sarah8608 wrote: »

thanks i will give it a try and let you no x

Let us know what happens sarah and extra good luck here.;)

miamoo

Where do you stand if you have made a claim on your PPI? My boyfriend was made to have the banks PPI or the loan would be refused. A similar policy would have cost him less than a quarter of what they charged him. Is there anything he can do.
To (try and ) cut a long story short, he has tried to cancel his PPI, the bank let him and then told him he still had to pay the £5000 PPI that was still outstanding. The bank have lost his origional loan agreement (he asked to see it)

marcus01235oxon

pinknico wrote: »

How were you mis sold?

i was told that because i had a poor credit rating i had to take the ppi out, other wise the loan would be refused

marshallka

miamoo wrote: »

Where do you stand if you have made a claim on your PPI? My boyfriend was made to have the banks PPI or the loan would be refused. A similar policy would have cost him less than a quarter of what they charged him. Is there anything he can do.
To (try and ) cut a long story short, he has tried to cancel his PPI, the bank let him and then told him he still had to pay the £5000 PPI that was still outstanding. The bank have lost his origional loan agreement (he asked to see it)

What year was this??

pinknico

sarah8608 wrote: »

hi thanks for replying the account is still open we still have the credit card so i thought they should have a copy aswell i just dont no weather to leave it or carry on with it ????????

Carry on, they have to supply a credit agreement if the account is in use.

Follow it up til you can go no further, ring the FOS and tell them what is happening and they should be able to advise you.