PPI Reclaiming discussion Part III

di3004

booi666 wrote: »

Ey up di,

Hows your day bin?

Hi Boo

Not too bad thanks hun, between home educating and posting on here, cleaning, cooking its been pretty good, , and yours ?:D

marshallka

booi666 wrote: »

Now then Marshy,

I spoke to the chick at HFC today and here is what she told me,

Initial borrowing was £8000:think:

PPI on top of this Which is £45.88 p/m as you know

APR was 13.628 :doh:

And total charge for credit is £2325.78 :eek: :eek: :eek: :eek:

She also told me that the insurance covers me for accident/sickness/death

And r lass is just for death,as if that is gunna happen :dance:

Robbing cu-ts

I can find out the interest on the PPI but I need to know what the PPI was... I know its 45.88 per month but over how many months was it..??

Right Boo, you will have a credit agreement and can you actually post all the agreement figures which would be something similar to

Loan Amount
PPI
total charge for credit
APR

Monthly payments
Monthy PPI

di3004

booi666 wrote: »

Marshy,

Dont be confusing mrs boo with the local village jester

ME:dance: :dance:

well I did get confused........:rotfl: :rotfl: :rotfl: lmao

booi666

di3004 wrote: »

Hi Boo

Not too bad thanks hun, between home educating and posting on here, cleaning, cooking its been pretty good, , and yours ?:D

Busy busy busy ,

Bin fitting a bathroom suite:cool:

booi666

di3004 wrote: »

well I did get confused........:rotfl: :rotfl: :rotfl: lmao

And so not to be confused Mrs Boo is not my wife:wall:

marshallka

NFFC09 wrote: »

Hi

Update on my problems with RBS.

Have sent our 1st PPI letter and had it recorded delivery on Friday.

RBS called us to ask if we have copies of the agreements we have with them as they couldn't find them?

We queried that they had to keep our records for 6 years but they claim only computerised details not actual copies.....Anyway, I am holding out like a hero and I will wait for a reply.

They did comment how professional the letter was.....1st stage letter!!

Quite disappointed with their unprofessional attitude by asking us for copies but we will see!!

Julie
x

If the loan is settled then they do not need to provide an executed agreement but they still should send you a copy of the original agreement within 6 years of this closing.

Get back to them and request it in a SAR as this is the only way you can get a copy now if the account is closed. A section 77/78 of the CCA does not apply.

I will post a SAR template in a min but this costs you £10 and they can take up to 40 days by law to provide it to you. This is all the information they hold on you including phone calls etc.

Vordermanic

Hi Marshallka,

Many thanks for your response, both you and Di have been very helpful :A and I will be drafting my letter tommorrow (recorded delivery of course!).
I will keep you both informed of how it goes!!

Regards,

Vordermanic x

marshallka

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

Vordermanic wrote: »

Hi Marshallka,

Many thanks for your response, both you and Di have been very helpful :A and I will be drafting my letter tommorrow (recorded delivery of course!).
I will keep you both informed of how it goes!!

Regards,

Vordermanic x

Good luck Vordermanic...;)

Keep us updated..:D

booi666

marshallka wrote: »

I can find out the interest on the PPI but I need to know what the PPI was... I know its 45.88 per month but over how many months was it..??

Right Boo, you will have a credit agreement and can you actually post all the agreement figures which would be something similar to

Loan Amount
PPI
total charge for credit
APR

Monthly payments
Monthy PPI

48 months in total