PPI Reclaiming discussion Part III

marshallka

Inespa wrote: »

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.

Yeah thats right. Its costs you £10 and you have to have it supplied within 40 days. What date was this loan??

There is a template letter here for the request

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

marshallka

This made me laugh..... oops sorry, not PPI related...:o

Slap on the wrist. I forgot myself for a min...

Inespa

Thank you Marshallka.
We settled it in March 2007 but he cant remember if it was taken out for 3 years or 4. I thought whilst i was on the case of Halifax early settlement payback i would look at this one too as i'm certain it had the insurance on this one as well.

You and Di are really helpful thanks :T

marshallka

Inespa wrote: »

Thank you Marshallka.
We settled it in March 2007 but he cant remember if it was taken out for 3 years or 4. I thought whilst i was on the case of Halifax early settlement payback i would look at this one too as i'm certain it had the insurance on this one as well.

You and Di are really helpful thanks :T

Thanks for that...(somehow I don;t think these finance places would say the same!!:eek: )


Don't forget to send it recorded delivery so you have a proof..;)

maxdp

Hi All

Not caught up on posts yet. Anything Fab Happened to tell me? Have now finished for Christmas and am shattered. 3 1/2 hours back tonight stuck on M25 car park wonderful. Now have to get chrissie decorations up have not got tree up yet otherwise it would all have dropped before I had time to enjoy it:eek:

Marshallka Hope you are feeling better and enjoying your refund:D

Di how are things going with you

Pinknico Hi and I bet your children are looking forward to Christmas.

And anyone else I know Hi:rotfl:

marshallka

maxdp wrote: »

Hi All

Not caught up on posts yet. Anything Fab Happened to tell me? Have now finished for Christmas and am shattered. 3 1/2 hours back tonight stuck on M25 car park wonderful. Now have to get chrissie decorations up have not got tree up yet otherwise it would all have dropped before I had time to enjoy it:eek:

Marshallka Hope you are feeling better and enjoying your refund:D

Di how are things going with you

Pinknico Hi and I bet your children are looking forward to Christmas.

And anyone else I know Hi:rotfl:

Hiya maxdp, not a lot happened with me really but been some activity on the site if you have a GOOD read through...:eek: .;)

di3004

Inespa wrote: »

Thank you Marshallka.
We settled it in March 2007 but he cant remember if it was taken out for 3 years or 4. I thought whilst i was on the case of Halifax early settlement payback i would look at this one too as i'm certain it had the insurance on this one as well.

You and Di are really helpful thanks :T

Aww bless you Inespa, your most welcome;) :A , sorry I have not been on so much recently, between helping my son and with lots of other stuff going on, and of course I have this evening been sorting the lappy out, as its been very slow...... .

Good luck to you hun.:A

Di
x

di3004

maxdp wrote: »

Hi All

Not caught up on posts yet. Anything Fab Happened to tell me? Have now finished for Christmas and am shattered. 3 1/2 hours back tonight stuck on M25 car park wonderful. Now have to get chrissie decorations up have not got tree up yet otherwise it would all have dropped before I had time to enjoy it:eek:

Marshallka Hope you are feeling better and enjoying your refund:D

Di how are things going with you

Pinknico Hi and I bet your children are looking forward to Christmas.

And anyone else I know Hi:rotfl:

Hi Maxdp, wow you've been busy then as well......:D , hope your okay.;)

My lloyds case has now been moved on from the adjudicator to the ombudsman as lloyds did not agree with the adjudicator, so fingers crossed hey .

Hubby been busy job hunting posting his CV's, maybe lucky yet, will keep you posted.;) :A

maxdp

marshallka wrote: »

Hiya maxdp, not a lot happened with me really but been some activity on the site if you have a GOOD read through...:eek: .;)

OMG there are pages of it:eek:

maxdp

di3004 wrote: »

Hi Maxdp, wow you've been busy then as well......:D , hope your okay.;)

My lloyds case has now been moved on from the adjudicator to the ombudsman as lloyds did not agree with the adjudicator, so fingers crossed hey .

Hubby been busy job hunting posting his CV's, maybe lucky yet, will keep you posted.;) :A

Oh good for your Di. Glad hubbie out looking. So you seem to have a case why are LLOYDS being >>>>>>>!!"£$%%^^^&&:eek: