PPI Reclaiming discussion Part III

marshallka

catinthehat1 wrote: »

Just updating situation - sent yet another email to adjudicator at FOS - FP aren't replying to the senior management team at FOS - our case is being sent to Ombudsman for final decision - have no idea how much more we have to wait and hopefully it will be in our favour!!!! fingers and everything else crossed - and I am hoping that if his/her decision is in our favour FP HAVE to comply????

Firstplus are not replying...:eek: :mad:

Who do they think they are...:rolleyes:

I hope this goes in your favour catinthehat... I really do. I absolutely hope everyone with Firstplus wins. They are the worst of the worst... words cannot describe how I feel about this company...:mad:

Let us know and glad you kept us updated. Can't wait for the outcome...;)

di3004

marshallka wrote: »

Its nice to be in demand but sometimes when its too much demand things get to you. :eek:

Yes your so right......:eek:

marshallka

robbiewilliams wrote: »

Hi all. I recently requested agreements from HFC for a marbles credit card I had. I stopped using the card in June 2004. They sent a print of some transactions and said that as they account has been dormant for a while that is all they can supply. Is this a cop out? Its less than 6 years. What's my next step please?

If the account is closed then they do not have to supply the agreements by just requesting them under section 77/78 of the CCA but as its a card I don't know if this is classed as closed or not.

You would be better to request a SAR from them for £10 and then they have to supply you with more info.


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

robbiewilliams wrote: »

Hi all. I recently requested agreements from HFC for a marbles credit card I had. I stopped using the card in June 2004. They sent a print of some transactions and said that as they account has been dormant for a while that is all they can supply. Is this a cop out? Its less than 6 years. What's my next step please?

Hi its good to hear from you.;)

It should be 6 years......:eek: , it should not make any difference if this has been dormant or not, I still received docs, even older than 6 years a few months ago when requesting them, and this was settled in 2004.
Not with the same company as yours though but that should not make any difference.

I would contact the information commissioners office (ICO) here on this link who will be able to help you hunni
http://www.ico.gov.uk/complaints.aspx

Ring them tomorrow, tell them what you have told us.

Please let us know how you get on, cheers and good luck.;)

Di
x

sacbaby37

just wanted to say evening to everyone and was just having a nose and a giggle about the boo saga, you all really make me laugh and cheer my evenings up thanks everyone ur all Great. sarah xxxx:rotfl: :rotfl: :rotfl: :j

marshallka

sacbaby37 wrote: »

just wanted to say evening to everyone and was just having a nose and a giggle about the boo saga, you all really make me laugh and cheer my evenings up thanks everyone ur all Great. sarah xxxx:rotfl: :rotfl: :rotfl: :j

Just glad that Mrs Boo was understanding :eek: :eek:

di3004

sacbaby37 wrote: »

just wanted to say evening to everyone and was just having a nose and a giggle about the boo saga, you all really make me laugh and cheer my evenings up thanks everyone ur all Great. sarah xxxx:rotfl: :rotfl: :rotfl: :j

lol......:rotfl: :rotfl: , hiya Sarah lmao.......:o :rotfl: :rotfl: , I certainly started something off today haven't I ? pmsl :rotfl: :rotfl: , feel free to join in the chat anytime hun, have a chill and a laugh with us lot, okay its a PPI thread, but a laugh will do us all the world of good in between these forever never ending PPI reclaims........:D :A x

di3004

marshallka wrote: »

Just glad that Mrs Boo was understanding :eek: :eek:

Me too.....:eek: , I was going to hide for the night lol :rotfl:

marshallka

dreamer33 wrote: »

I know thanks Di xx :A

I just can't cope with too many things at the min.

Just been drinking coffee don't think it will be my last tonight, so I'll be jumping like Tigger soon lol

You should not drink coffee at night and especially with stress already. Its a calming drink you need. (A nice tea is best for you or even better a drop of brandy!!);)

marshallka

di3004 wrote: »

lol......:rotfl: :rotfl: , hiya Sarah lmao.......:o :rotfl: :rotfl: , I certainly started something off today haven't I ? pmsl :rotfl: :rotfl: , feel free to join in the chat anytime hun, have a chill and a laugh with us lot, okay its a PPI thread, but a laugh will do us all the world of good in between these forever never ending PPI reclaims........:D :A x

Di, I never even read yours and just posted to Mrs Boo anyway... I did it myself... :eek: . I just saw Boo and then the post saying "Mrs" and presumed:o