PPI Reclaiming discussion Part III

di3004

Hi folks

We will get round to helping you now.....:D cheers folks.:beer:

di3004

blondie27 wrote: »

I have submitted a letter re: my PPI to MINT for a credit card i had with them previously. I no longer have the card and don't have the statements to obtain the credit card number - can anyone advise me how i could go about finding this out as they are asking for it. Thanks in advance.

Hi there Blondie.

How long ago was you sold this Credit Card hun?

And if this was just a few years ago you could ask them for a copy of the agreement which they may charge a £1 cheque for, but check with them first then request in writing by post recorded post, although you can always request a SAR which is known as a Subject access request, where they must supply ALL info they have on you on your account(s), but there is a charge of £10 cheque or postal order payment for this, as always post by recoreded signed for delivery.

They have 40 days from the letter request to send this to you.

This may be useful, but please bear in mind they may only go back as far as 6 years, some are lucky and may receive info going back further again.

Here is the SAR letter template below, good luck and post up anytime when y ou require further help from here.;)

Di
x

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

hayjamdan wrote: »

hi all can some1 pls help me work out the figures on how much i will get if my claim is successful. took out a loan for 60 months loan amount is 7000 with a intrest rate of 21.9 i think, the ppi on it is 44.69 would have been £179.32 without ppi i have paid 48 payments so far. and i have asked for all intrest added plus the 8%stat the loan is a single premium. amount i pay montly is 224.01[/quote

Hiya hunni

I am sure our helpful Marshallka shall be along at some point and will check this over for you.;)

I also leave Marshallka to deal with my calculations, as I am not great with figures - sorry....:o .

So keep a check on the posts hun, good luck.;)

Di
x

di3004

inamess200 wrote: »

Hi

Coiuld someone help me - My husband and i took a joint loan out with nationwide in 2002 they charged me a single ppi premium of £2233 (I know 'cause they have just sent me a statement (nice people the first time ever) ) now when we came to claim in 2005 for my husband having a back operation and being unable to work we were told he was not covered as only first name on a joint loan is covered which was me!! Not good for a joint loan - so now loan in DMP and has about £2000 outstanding - do I have a case for mis selling??

Thanks for any help[/quote

Hiya hunni
And yes its seems you have a case here.;)

Sorry to hear of your issues here and hope all is well with your hubby now.:A

If you check this link here below:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

There is some useful PPI info and a letter template, use as a guide but as you know add your own reasons, and as much info as possible by checking out the information on that link.

They have 8 weeks to respond in full.
Post by recorded delivery, and another letter maybe required if the response is not successful first time round, however as soon as they suggest the financial ombudsman service, you can then continue over to them to have this investigated, but hun, it seems you have a case here just due to that reason, but still check out the other reasons as well in case there are more which will make your case stronger if any of those other reasons occur to you, although I think you have a good strong case anyway.

Keep us posted in order for us to help you with this, thanks and the very best of luck.;)

Di
x

brednall

I've had a letter from Halifax this morning about my claim for PPI.

They're going to refund me over £900!!!! :j :j :j

I have to sign new paperwork to restart my loan for what's left without any PPI then I can have my refund. When that comes, I'll have to contact them to make my repayments at what they were before to get it paid off quicker hopefully.

Got to decide what to spend my money on too although my DH and I think it should come off my debts rather than being wasted.

Emma

marshallka

blondie27 wrote: »

I have submitted a letter re: my PPI to MINT for a credit card i had with them previously. I no longer have the card and don't have the statements to obtain the credit card number - can anyone advise me how i could go about finding this out as they are asking for it. Thanks in advance.

Hi, how long ago was this actually first applied to the card??

marshallka

brednall wrote: »

I've had a letter from Halifax this morning about my claim for PPI.

They're going to refund me over £900!!!! :j :j :j

I have to sign new paperwork to restart my loan for what's left without any PPI then I can have my refund. When that comes, I'll have to contact them to make my repayments at what they were before to get it paid off quicker hopefully.

Got to decide what to spend my money on too although my DH and I think it should come off my debts rather than being wasted.

Emma

Nice one and I agree with you're view of spending it on the debts... Thats what we did with ours too and it does ease the pressure...;)

marshallka

di3004 wrote: »

hayjamdan wrote: »

hi all can some1 pls help me work out the figures on how much i will get if my claim is successful. took out a loan for 60 months loan amount is 7000 with a intrest rate of 21.9 i think, the ppi on it is 44.69 would have been £179.32 without ppi i have paid 48 payments so far. and i have asked for all intrest added plus the 8%stat the loan is a single premium. amount i pay montly is 224.01[/quote

Hiya hunni

I am sure our helpful Marshallka shall be along at some point and will check this over for you.;)

I also leave Marshallka to deal with my calculations, as I am not great with figures - sorry....:o .

So keep a check on the posts hun, good luck.;)

Di
x

Di, I can't calculate on this as I don't know how the actual settlement was worked...

What regs were used etc...

di3004

brednall wrote: »

I've had a letter from Halifax this morning about my claim for PPI.

They're going to refund me over £900!!!! :j :j :j

I have to sign new paperwork to restart my loan for what's left without any PPI then I can have my refund. When that comes, I'll have to contact them to make my repayments at what they were before to get it paid off quicker hopefully.

Got to decide what to spend my money on too although my DH and I think it should come off my debts rather than being wasted.

Emma

Emma
Wow that is fantastic news.:beer:

Well done and congratulations.:T

Di
x

di3004

marshallka wrote: »

di3004 wrote: »

Di, I can't calculate on this as I don't know how the actual settlement was worked...

What regs were used etc...[/quote

Of course lol, hopefully they will post up later hun.;)