PPI Reclaiming discussion Part III

marshallka

HomeJames wrote: »

Hi everyone
Just read martins weekly email re Egg Card PPI I contacted them today as I have had Egg Card in the past which was changed over to a loan. I have sent them an email today following an unproductive phone call with them. Am I right in thinking I can request a SAR to find out if PPI was added to these accounts? and will they give me the info if I dont have the original account numbers?

I take it you are trying to claim back then?? Were you missold in some way..??

You can request a SAR and this would be all the information they have on you or you can just request a copy of the agreement from them. A SAR is about a "subject" and not an actual loan/credit card so it should contain everything. I would send everything recorded delivery and not communicate by phone or email for now as you may need proof if you were missold in order to take this complaint to the Ombudsman.

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

di3004

Thanks for posting the SAR Marshallka my puter is very sloooowwww today again..... , its taking me forever to post.....:rolleyes: .

jinxjinx

not quite sure how to calculate my PPI, even though its probably right before my eyes!

its been six weeks since HBOS agreed to pay me back but they 'forgot' to go through with it so i'm still waiting - they reckon they have problems calculating so heres my agreement

sorry if its a bit big

what do you think?

pinknico

deborah46 wrote: »

AAARGH, Tesco Personal Finance are dragging their heels!!!! I called them yesterday for an update on my ppi complaint and i was told they had all the information they need and i will receive a letter in 2-3 weeks... Does it really take this long to write a letter?? Me thinks they are going to wait till the 8 weeks deadline.
Anyone else banging their heads with Tesco

Not Tesco but Royal Bank of Scotland have taken well over 8 weeks so have sent forms to FOS, if RBS sort it out befoue hand I roll just lat the FOS know.
I have rung 3 times and each time it was going to be sorted next week and never is.

di3004

Sent you a PM Marshallka.:D

marshallka

jinkjink, Have you paid this loan back to the full term or is it ongoing or did you settle early...??? All this would be taken into account for the paying it back...

The total cost of the PPI was £3072.24 which includes the interest but the amount you get back would all depend on the above.

jinxjinx

marshallka wrote: »

jinkjink, Have you paid this loan back to the full term or is it ongoing or did you settle early...??? All this would be taken into account for the paying it back...

The total cost of the PPI was £3072.24 which includes the interest but the amount you get back would all depend on the above.

settled it after 3 years but cant remember the settlement figure

di3004

jinxjinx wrote: »

settled it after 3 years but cant remember the settlement figure

Hi jinxjinx

If you write to them, you can request for the figure and the calculations on how they worked this out.;) (the breakdown).
Ask them to post them to you in hardcopy. x

marshallka

jinxjinx wrote: »

settled it after 3 years but cant remember the settlement figure

You most probably received a rebate figure of the PPI then for early settlement and it would depend on this amount as to what is paid back to you. Also it works where they look at it as if you settled after 3 years and did not have the PPI and then at the settling after 3 years with the PPI and then take away the rebate and then pay you the difference.

Don't forget to ask for the 8% statutory interest as you were missold and deprived of the money...

Inespa

Hi All,
Just another quick question (yeah i know another one )
My partner also had a loan with Household bank prior to the Halifax loan which we settled early with the Halifax loan. I'm sure this had insurance on this too, am i right after reading (sorry i only skimmed the posts) that if we request an SAR we will be able to see the paperwork with all his transactions? He cant find any of the paperwork apart from the payment book with his account number on it!
One thing i've learned is i dont ever want to take a loan out again! :rolleyes:
Thanks again for all your help.