PPI Reclaiming discussion Part III

jadest

di3004 wrote: »

Hiya hun
Unfortunately mine has been in with the FSCS since July 2008, due to other dealings they have had to deal with such as "Icesave" etc as they have been paying out thousands out to those customers as well.

But as soon as they have completed the investigation they will confirm this and get in touch.

Try to get a form in soon as you can hun and they will get back to you if they require further info, you never know yours may get dealt with quicker than mine.;)

Good luck and always happy to help you with this hun.

Di
x

Thank you and good lick with your claim too. hope you hear something soon and get the compensation you require.

Jade

livylegs

hiya guys hope this is in the right place,

I have been reading through the threads and am ready to start my claim,
I took out a loan with First Plus in December 2006 for a big amount however the FP Guy on the phone said cos it was a big amount the PPI was compuslory to secure the credit !!! so as i needed the money i just agreed however it wasnt compuslory as you all know and i want to claim it back, Do i also ask for the phone call convos at the time I took loan out? or is that uneccessary?
Also after reading through the posts today i rang FP and cancelled my PPI however i never mentioned on phone cos i didnt want them to know i was going to start my claim i just said i wanted to cancel will it make a difference to my claim if they say i didnt mention it in last phone call?
sorry if i sound thick its just i want to get it right :rotfl:

thanks so much in advance.xxx

dreamer33

livylegs wrote: »

hiya guys hope this is in the right place,

I have been reading through the threads and am ready to start my claim,
I took out a loan with First Plus in December 2006 for a big amount however the FP Guy on the phone said cos it was a big amount the PPI was compuslory to secure the credit !!! so as i needed the money i just agreed however it wasnt compuslory as you all know and i want to claim it back, Do i also ask for the phone call convos at the time I took loan out? or is that uneccessary?
Also after reading through the posts today i rang FP and cancelled my PPI however i never mentioned on phone cos i didnt want them to know i was going to start my claim i just said i wanted to cancel will it make a difference to my claim if they say i didnt mention it in last phone call?
sorry if i sound thick its just i want to get it right :rotfl:

thanks so much in advance.xxx

Hi there

You need to use the below template letter it request all info including calls, they have 40 days to reply. As you got the loan in 06 FP where also under the FSA and FOS so this is good news for you:

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


Once you receive your info back check it through for your evidence then send the 1st template letter claiming it back, if no luck send the second one. They have 8weeks to respond to the 1st letter.

Also just because you have cancelled the ppi it won't make a difference to your claim. The reason is it was mis-sold. Ps you don't sound thick you just want to get it right and win like us all lol

Make sure every letter sent to them is sent using Recorded Delivery as proof.

Good luck

dreamer33

I told yous I wouldn't sleep lol. Just came off the PS3, been playing online. lmao what am I like man.:rotfl:

I'm off to bed now xxxx

booi666

di3004 wrote: »

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

Good morning all,


So was i:eek:

booi666

YOOOOOO

Just checked fb and 2 peeps added me,

Tanz and christine, are they from on here so i dont get confused when talking to them:rotfl:


Rete gotta chip my charriot has arrived to pick me up,

Catcha later:dance:

booi666

dreamer33 wrote: »

I told yous I wouldn't sleep lol. Just came off the PS3, been playing online. lmao what am I like man.:rotfl:

I'm off to bed now xxxx

Jesus just notice the time you were on,

Your nearly as bad as me:rotfl: :rotfl:

marshallka

sacbaby37 wrote: »

Hi Di and Marshallka i know im up late but i am trying to fill in this FO form and i was wondering where it says anything else i would like to add to help them understand my complaint, is there anything else i can put, ie ended up on benefits, asked barclays to help me out and stop the interest ect and they wouldnt should i put stuff like that or not? sorry its late but my head is spinnin wiv all these different letters. Sarah xxxx

If you are on benefits then maybe you could ask for the fast track with this complaint. Its worth a try...;)

Also add that bit that you have said about Barclays not stopping the interest..

marshallka

livylegs wrote: »

hiya guys hope this is in the right place,

I have been reading through the threads and am ready to start my claim,
I took out a loan with First Plus in December 2006 for a big amount however the FP Guy on the phone said cos it was a big amount the PPI was compuslory to secure the credit !!! so as i needed the money i just agreed however it wasnt compuslory as you all know and i want to claim it back, Do i also ask for the phone call convos at the time I took loan out? or is that uneccessary?
Also after reading through the posts today i rang FP and cancelled my PPI however i never mentioned on phone cos i didnt want them to know i was going to start my claim i just said i wanted to cancel will it make a difference to my claim if they say i didnt mention it in last phone call?
sorry if i sound thick its just i want to get it right :rotfl:

thanks so much in advance.xxx

Hiya, did you use a broker to get the Firstplus loan at all cause if you did then its the broker you have to make the complaint to. Cancelling the insurance makes no difference to the claim but you may have the loan redone and only get a small unfair rebate which you can add to your complaint.

Just take a look at the link here and see what you can add and delete from the template letter. Its always best to do your own from this. There are lots of reason on there for the misselling so pick out the ones that are applicable to yours.

You then write to the firm that actually made the sale of the PPI to you if this is different from the lender and don't forget to send this recorded delivery so you always a proof and dates etc.

After that you have to give them 8 weeks for a full and final response. In this time it is usual to get a response of "sorry we sold this to you fairly" but you then respond to this and reiterate your complaint again. The next time they write they either give you a final response which you would need in order to take this complaint to the FOS or offer to settle.

http://www.moneysavingexpert.com/rec...urance#reclaim


Good luck

showergirl

boo34 wrote: »

hi just a quick up date. i sent my 2nd letter of recorded delivery last wednesday to rbs,its been 11 weeks this week. i took your advice and said they had 7days to sort it or i would go to fos.i rang them today and was told that the calculations team have sorted it and have to get manager of that department to sign it and should get offer by friday.its 3 loans one of 5000,one of 7000/ and one of 12000.fingers crossed dont no how much is to come have to wait and see.thanks for advice.i will up date you asap.:j

Well done. I hope this works with my claim. Although it is with Tesco PF it is going through RBS. Thanks.