PPI Reclaiming discussion Part III

pinknico

Hello all.
Please to report more success on the PPI front, this time with Bank of Scotland.Cheque on its way!
Also OH Egg charges.

Hope others are having success today. xx
Maxdp where are you??
Dreamer hope you are ok , thinking of you
Marshallka hope you hear soon.
Di hope you are ok

di3004

booi666 wrote: »

Just had to give it a rest for 1 evevning

Got a bit of grief for being on computay all the time

Divorces were mentioned:dance: ,but im not that lucky:rotfl:

Anyway hope to be back on 2nite:j


Di,

I received a letter back from my van finance after i sent the letter i showed you a copy of,

It Says that the a/c number i quoted to does not exist which is a load of bollax,as ive double quecked with my statements and its the same 1.

I spoke to my dude mate, and their just staling me for time aswell as wanting me to quote my vehicle reg that i have no agreement for,thus validating my agreement with them that they cocked up.

Hi Boo

I don't blame you having a chill, and with working as well......:eek: .

What is that stupid company up to?:mad: , seems like they are trying it on to me......:rolleyes: .

It will get sorted in the end, it may be a battle but it will soon all come out.;)

di3004

pinknico wrote: »

Hello all.
Please to report more success on the PPI front, this time with Bank of Scotland.Cheque on its way!
Also OH Egg charges.

Hope others are having success today. xx
Maxdp where are you??
Dreamer hope you are ok , thinking of you
Marshallka hope you hear soon.
Di hope you are ok

Congratulations Pinknico :T :beer: :j , fantastic news hunni :T on both Bank of Scotland and EGG, this is wonderful news....:T , its all happening for you now hun, and lets hope you will also hear soon from the FSCS with a payout.....:j .

Not too bad thank hun, on my break while hubby has popped into the library with my son to check out more books......:D xxx

Silverbird

Steffi07 wrote: »

Hi

I wrote to A & L yesterday to claim back 2 years worth of unwanted PPI I was advised to take. I know they have already been prosecuted and fined.
How long do these matters usually take to resolve?

Thanks

Hi Steffi

Just to give you an idea, I wrote to A&L on 30 October. They have still not given me any kind of response other than 'we're looking into it, sorry for the delay'. I have involved the Ombudsman now and have received their confirmation that they will investigate. My refund, if I am lucky enough to get it, will only be about £350 and my PPI was taken after being told it was not an option over the telephone in November 2006.

It seems there are lots of A&L customers getting refunds very quickly and for much larger amounts, but I thought I should let you know that that isn't the case for all of us and mine is still ongoing!

showergirl

pinknico wrote: »

Hello all.
Please to report more success on the PPI front, this time with Bank of Scotland.Cheque on its way!
Also OH Egg charges.

Hope others are having success today. xx
Maxdp where are you??
Dreamer hope you are ok , thinking of you
Marshallka hope you hear soon.
Di hope you are ok

Well done. Glad to hear someone is having some success

Dreamer06

di3004 wrote: »

Hiya hun

Sorry I missed your post earlier, but I can see our Marshallka responded.;)

That is a lovely surprise.......:T , bet this has made your day hun, well done to you :beer: .

Di
x

HI hun, still pestering these companies by phone! just phoned vanquis bank now (& I advise nobody to open an account with these they are trouble)re update on ppi reclaim, the lady told me that she has been listening to the tape the time i opened my account & I agreed to the repayment option plan, is this the same as ppi. I told her i will still lodge a complaint with FSO. Please tell me that these are trying to fob me off as well

di3004

Dreamer06 wrote: »

HI hun, still pestering these companies by phone! just phoned vanquis bank now (& I advise nobody to open an account with these they are trouble)re update on ppi reclaim, the lady told me that she has been listening to the tape the time i opened my account & I agreed to the repayment option plan, is this the same as ppi. I told her i will still lodge a complaint with FSO. Please tell me that these are trying to fob me off as well

Hiya there hun

Have you also a copy of the recordings of the telephone calls ?
If not ask if you could also have a copy, they obviously have one there to check on this, but do not always take their word for it, they could be fobbing you off.

You may have to request a SAR if you've not done so already in order for them to send you a copy of the recordings, there is a template if you require this, they must supply you with everything they have on you on your account with them by 40 days of request, but there is a £10 cheque or postal order charge for this.

Have you requested a SAR yet hun? (known as a subject access request)?

You can always try by asking if they will send you a copy free first if you want to, but by a SAR request they must comply to it.;)

Even if you agreed a payment plan that should not affect your complaint if regarding PPI, there may also be other reasons, and these recordings should be of some help to you.

Let me know if you want the SAR template hunni, cheers.;)

Di
xxx

di3004

dreamer06

Here below is the template for the SAR, if you decide to send the company one of these, post by recorded delivery, good luck.;) xx



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

Aggy_2

I received a letter from the FOS saying that my ppi case should succeed as Lloyds pressured me into the PPI and has told me that Lloyds will be writting to him with an offer of compensation. But am confused as to how it is worked out as don't want to be conned by lloyds any more.

I originally took out a loan for £8k in september 2005 with monthly (84 months precisely) of payments of £196.22 including PPI. In september 2007 I cancelled the loan and had it redone with monthly (60 months) of £168.39 with an original loan start amount of £7,620.07. Both loans had interst of 16.9%

The PPI works out at a single payment lump sum of £2,279.54 with interest over the period as £3,654.84. Now I was never any good at accountancy but the ombudsmen states that Lloyds have to take the original amount and work out my repayments without the PPI and restructure the loan accordingly from the start date including interest on payments I have already made and any compensation I am owed.

I was also award £200 for destress and inconvience

If any understands this and could tell me if I have any more to pay off the loan it would be much appreciated.

thanks

showergirl

Dreamer06 wrote: »

HI hun, still pestering these companies by phone! just phoned vanquis bank now (& I advise nobody to open an account with these they are trouble)re update on ppi reclaim, the lady told me that she has been listening to the tape the time i opened my account & I agreed to the repayment option plan, is this the same as ppi. I told her i will still lodge a complaint with FSO. Please tell me that these are trying to fob me off as well

Call their bluff and ask for a copy of the tape. They may just be trying to scare you into not reclaiming. It seems to be the way these firms are going these days. They think if they mess us around enough we will give up