PPI Reclaiming discussion Part III

marshallka

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

Fine thanks Pinknico. I can see you are getting there too.;) :beer:

di3004

pinknico wrote: »

The FOS just rang(!) and they are relooking at my complaint with Redcats.

Wow that is looking hopeful then Pinknico.......:T :T xx

I know my case regarding Lloyds TSB has been moved on, or waiting to be moved on to the actual ombudsman sometime, not heard anything yet and the adjudicator said he would do this on fast tracking for me due to the current circumstances, not heard anything yet though.

Maybe I should email the adjudicator, the one that was dealing with this and ask if its moved on yet.....;)

marshallka

Silverbird wrote: »

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!

And yours was in the time that they were fined for as well. I hope you get this resolved quickly...;)

marshallka

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

You can ask her for a copy of the said phone call.

Just send for a SAR from them. Will post the template in a min if no-one already has.

marshallka

di3004 wrote: »

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

Di has done it I see..;)

lalina_2

di3004 wrote: »

Hi there hunni.
They have had ample time to deal with this and its now your choice if you want to move this on to the FOS, did you download a c FOS complaint form form the FOS website hun?

Check this out here:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm

Or was it a letter you wrote to the FOS, if so get the complaint form from the link above or ring them to send you this through the post, also get a photocopy done for yourself and send one to A&L, with a letter to tell them you believe they have had ample time to deal with this complaint, where you feel its now time to move on to the financial ombudsman service, and I enclose a copy of the complaints form for your interest and records, please write to me within 7-14 days if you can resolve this matter then I will contact the Financial ombudsman to inform them of the situation.

(The finance company can still deal with your complaint, whilst this is in with the FOS), if you get a good response from A&L, then just let the FOS know.
Also enclose any copies of correspondence with the complaints form to the FOS, good luck hunni and just yell if you require further help here.;)

Di
x

Thanks DI and and thanks Pinknico - will call FOS and get complaints number to speed things up. hav ewritten out a letter to A & L as you suggest and wikll attach a copy of FOS complaint form. I will let you all know what happens next. xxx

marshallka

Aggy wrote: »

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

You would be best waiting for the amounts and then post them on here for maybe someone to take a look. These amounts that you have posted here are not enough to work the repayments out as there is a complicated method they use in that they look at with the PPI and then what the settlement would have been without the PPI too and then take one from the other. Seems simple but depends on what regs were used at the time and you would also need a complete breakdown of the settlements of the loans..

Sorry to have not been much help but there is no clear way without these figures.

marshallka

showergirl wrote: »

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

Hiya Showergirl again...;)

marshallka

Dreamer06 wrote: »

Thanx hun, will do that nowX

Good luck Dreamer...:D

kodeen

Hi Folks, total noob here please go easy on me
in need bit of advice on how to proceed please.

I have MBNA card taken out in 2003 that they have been charging ppi on.
To date i estimate maybe £2-2500 has been charged.

I have asked that they refund this on the grounds that

a: I didn't request it.
b: I am self employed and the product was unsuitable for me.

Obviously refusing my request and at latest phone conversation the robot advised me to go to my solicitor if I wanted but it wouldn't do me any good (thanks for the advice)!

They have provided me with some documents after I requested CCA.
These consist of a printout of an internet application for card (this has the words PPI with YES printed next to it), the front and rear of a signed (by me) slip which they claim is the CCA. and 4 pages of terms and conditions.

there is no mention of PPI on the alleged CCA nor in the terms and conditions.
The only reference to PPI is on the alleged internet application.

i'm now feeling a bit lost tbh and would be very obliged if someone could put me on the right route as in how to proceed.

thanks for looking