PPI Reclaiming discussion Part III

dreamer33

Seb_D wrote: »

OK, thanks' for the quick response Di'.

How long would you wait for a response from the Alliance and Leicester, or, can they take up to eight weeks to reply or have Egg have just been courteous in letting me know the circumstances ?

Thanks, Seb'.

8 weeks is the normal response time for them all.

Egg seem to be very good in letting you know they have your complaints sent me a letter for my SAR request no-one elso has.

Good luck they are both companies that have been fined.

di3004

Hi aconitum

As promised on my above post here are some usefulo details for you here:
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance

The posted link will give you some mis selling information and a list, there is also a template letter that you can use, but also add your own reasons and as much info as possible to support your complaint.

As always post by recorded post for your proof of posting for your evidence also to keep a check on timescales they have.

And here is the link to check out cheaper insurance to cover the finance:
http://www.moneysavingexpert.com/insurance/cheap-loan-insurance

Here is the copy of the subject access request for all the information to be send to your OH on his account here below and good luck with it all, if you require further help here just give us a yell.;) 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

Seb_D

Thanks' , that's put my mind at rest a bit.

I will let you know how i get on in 8 weeks time :rolleyes: .

Thanks again, Seb'.

dreamer33

di3004 wrote: »

Yummy, I love Corned beef hot pot, its very tasty and it defo warms you up , enjoy, and that gives me an idea for tea this week, thanks hun.:D :T .

My other mate is also Betty Boop mad, not sure with garlic though lol :rotfl: :rotfl: xx

lmao :rotfl: :rotfl:

di3004

Seb_D wrote: »

OK, thanks' for the quick response Di'.

How long would you wait for a response from the Alliance and Leicester, or, can they take up to eight weeks to reply or have Egg have just been courteous in letting me know the circumstances ?

Thanks, Seb'.

Your very welcome hun.;)

As dreamer already stated, its 8 weeks all these companies have to respond, but if the 8 weeks have passed and you've still not heard, I will post up the website of the Financial Ombudsman service/complaints for you here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

You can either download the complaint form or ring them to send you one through the post.;)

If you want to let us know what the responses you receive first we can help you step by step.

Good luck
Di
x

dreamer33

Wonder how marshallka is getting on with the fireplace

di3004

dreamer33 wrote: »

Wonder how marshallka is getting on with the fireplace

I was just thinking the same thing lol .
I know its a messy and dusty job, but I bet it will be so lovely when its complete.;)

I can't wait for the Summer, we have lots of jobs to do here, we need a new double glazed porchway, its double glazed now but I think it needs updating, hoping hubby's compo will be through by then.......:eek: :rolleyes: .

dreamer33

di3004 wrote: »

I was just thinking the same thing lol .
I know its a messy and dusty job, but I bet it will be so lovely when its complete.;)

I can't wait for the Summer, we have lots of jobs to do here, we need a new double glazed porchway, its double glazed now but I think it needs updating, hoping hubby's compo will be through by then.......:eek: :rolleyes: .

I love DIY normally I spend more on DIY than anything else however am changing that this year need to start saving. My OH will be pleased the house we had before needed new everything including ceilings so he has been put off DIY lol

dreamer33

I also like to cut the grass in the summer however there isn't much left off this puppy of ours lol he likes to eat it

di3004

dreamer33 wrote: »

I love DIY normally I spend more on DIY than anything else however am changing that this year need to start saving. My OH will be pleased the house we had before needed new everything including ceilings so he has been put off DIY lol

We do need to get all upstairs painted up, we are suffering with a damp bathroom, so this has to be sorted out, and all the neighbours are having the same problems...... , but myself and my youngest son are asthmatic so damp does not help really......:rolleyes: .

Lol, I see your OH point lol, and yes it will be nice to save instead.

First of all depending on the amounts hubby receives back in compo, the damp is the most urgent one to deal with first.;)
But I need to make sure we do not fall behind with anything, as that should also be priority as well.:rolleyes: