PPI Reclaiming discussion Part III

nova

Hi All,
Well we have'nt heard from NW again yet but there's always tomorrow! l've just been reading your posts this eve about job losses, mortgages etc, and l know exactly where your both coming from, l've been on the reclaiming thread where a certain person could'nt understand how people could be so irresponsible as to run up thousands upon thousands in bank charges,!! so l gave him my reply.:mad: Then a 16 year old chimed in with "lm 16 and l can manage my account without incurring charges:mad: !"
If/when you get time have a read. Hope all is well and ready for xmas, l've just managed a miracle, rather than by masses of christmas food only to throw away after christmas, l've just spent what l've saved all year on my nectar card, good eh?:D

malenurse

marshallka wrote: »

The request should be under the CCA section 77/78 but most send them with the SAR.

Shall I include a SAR in my request for a copy of my loan agreement? Where can I find the template for the SAR?

maxdp

nova wrote: »

Hi All,
Well we have'nt heard from NW again yet but there's always tomorrow! l've just been reading your posts this eve about job losses, mortgages etc, and l know exactly where your both coming from, l've been on the reclaiming thread where a certain person could'nt understand how people could be so irresponsible as to run up thousands upon thousands in bank charges,!! so l gave him my reply.:mad: Then a 16 year old chimed in with "lm 16 and l can manage my account without incurring charges:mad: !"
If/when you get time have a read. Hope all is well and ready for xmas, l've just managed a miracle, rather than by masses of christmas food only to throw away after christmas, l've just spent what l've saved all year on my nectar card, good eh?:D

Have not read it yet but going to find it in a while. Some people rather than giving support just seem to be on here to insult and belittle. Sorry you did not get the advice you wanted Nova. Well done on Nectar card, wish I could be so good.:D

maxdp

malenurse wrote: »

Shall I include a SAR in my request for a copy of my loan agreement? Where can I find the template for the SAR?

SAR - SUBJECT ACCESS REQUESTDear

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






GOOD LUCK:D

showergirl

Just to wish everyone a MERRY XMAS and hopefully we will all be celerbrating a HAPPY NEW YEAR.

maxdp

Merry Christmas to you too Showergirl and a very Prosperous New Year:j

marshallka

nova wrote: »

Hi All,
Well we have'nt heard from NW again yet but there's always tomorrow! l've just been reading your posts this eve about job losses, mortgages etc, and l know exactly where your both coming from, l've been on the reclaiming thread where a certain person could'nt understand how people could be so irresponsible as to run up thousands upon thousands in bank charges,!! so l gave him my reply.:mad: Then a 16 year old chimed in with "lm 16 and l can manage my account without incurring charges:mad: !"
If/when you get time have a read. Hope all is well and ready for xmas, l've just managed a miracle, rather than by masses of christmas food only to throw away after christmas, l've just spent what l've saved all year on my nectar card, good eh?:D

Take no notice of the 16 year old. Obviously not got a mortgage, family or been to the university of life yet...:eek:

marshallka

di3004 wrote: »

Are you ready for Christmas Marshallka?

I have had to obviously cut down this year, but thankfully managed to get the main of the pressies earlier in the year, it was just the last odds and ends really and the food, not bought much booze as we don't drink much here anyway, well I certainly don't other than the odd small baileys.:p

And I have my Turkey lol....:p

The older one we got him an ipod and the youngest a notepad lappy, the rest of their stuff are just bits and bobs, xbox game each, selection boxes and a stocking each with some goodies lol.x

Nearly but as you say and like everyone, cut backs... its not just us..;)

marshallka

malenurse wrote: »

Shall I include a SAR in my request for a copy of my loan agreement? Where can I find the template for the SAR?

Did you already request a SAR and they tell you that they could not send the agreements in the SAR?

If there are any agreements that are still outstanding then section 77/78 of the CCA would be a good one to request them on but this section does not apply to done and dusted agreements so the SAR is your only hope for these. I would just send the template letter that maxdp put on for you and see what comes back as they shoud send them in this. They should provide these for you.

marshallka

showergirl wrote: »

Just to wish everyone a MERRY XMAS and hopefully we will all be celerbrating a HAPPY NEW YEAR.

And you too showergirl...and everyone on here... Have a good one...:A