PPI Reclaiming discussion Part III

di3004

Natalie6999 wrote: »

I'm getting fed up of being in limbo, I know that it is going to be a long job both with Tesco PF & M & S, but I just wish that they would get their fingers out.

Its frustrating I know and yet if its our money they want they're straight on the mark.......:rolleyes: .
Hope they get a move on for you hun.;) XXX

di3004

lilac789 wrote: »

I have finally had a decision abck from Northern Rock toady. They are awarding me £199.53 + £17.06 interest @ 8% for the second loan as they have been able to listen to the telephone conversation that I had with the sales staff and agree that they, "...have fallen short of the high standard of service that you had a right to expect."

However for the first loan that I took they have said that there is no recording of the conversation and that their sales people work from a script that met the requirements at that time. They go on to say say that PPI is optional and that the final decision to take it is mine and that because I did not cancel the policy before the 30 day cooling off period and therefore there is no evidence that the policy was mis-sold. However, I vividly remember asking the sales rep if I HAD to take it out and I remember her telling me that without it, I wouldn't get the loan.

They say that this is their final response to my complaint... should I accept it?

Hi hun
This depends if your satisfied with this or not.

I know its an offer but if there is a big amount of difference, I would not accept it, and if its also the final decision, you are aware you can take this to the Financial ombudsman service for them to investigate this for you?;)

See what the others think on here as well hunni. XXX

dreamer33

lilac789 wrote: »

I have finally had a decision abck from Northern Rock toady. They are awarding me £199.53 + £17.06 interest @ 8% for the second loan as they have been able to listen to the telephone conversation that I had with the sales staff and agree that they, "...have fallen short of the high standard of service that you had a right to expect."

However for the first loan that I took they have said that there is no recording of the conversation and that their sales people work from a script that met the requirements at that time. They go on to say say that PPI is optional and that the final decision to take it is mine and that because I did not cancel the policy before the 30 day cooling off period and therefore there is no evidence that the policy was mis-sold. However, I vividly remember asking the sales rep if I HAD to take it out and I remember her telling me that without it, I wouldn't get the loan.

They say that this is their final response to my complaint... should I accept it?

They should have given you a FOS leaflet within the final response, you should take your complaint further I think.

How do NRock know that they salesperson stuck to the script they may well have went off script a little.

Have you requested a SAR from them?

lilac789

dreamer33 wrote: »

They should have given you a FOS leaflet within the final response, you should take your complaint further I think.

How do NRock know that they salesperson stuck to the script they may well have went off script a little.

Have you requested a SAR from them?

Yes i got the leaflet and think I will give them a ring.

The salesperson most definately did not stick to the script!!! They admitted they didn't on my second claim against them!

What is a SAR?

Thanks

showergirl

Have just spoken to Mr Glynn Rixom.
They have no record of the conversation I had over the phone with their advisor.
He said I ticked the box for PPI. It was done over the phone
He also said that I signed the agreement and because of that it is the banks policy not to refund the ppi

What a load of B......T

di3004

lilac789 wrote: »

Yes i got the leaflet and think I will give them a ring.

The salesperson most definately did not stick to the script!!! They admitted they didn't on my second claim against them!

What is a SAR?

Thanks

Hi hun

An SAR is known as a Subject Access Request, where they MUST and SHOULD send you ALL the information they have on you by 40 days deadline.

There is a £10 cheque or postal order charge for this, but it can be very useful for your reclaims.

Post by recorded delivery, one of us will post this up for you.;)

Di
X

Natalie6999

showergirl wrote: »

Have just spoken to Mr Glynn Rixom.
They have no record of the conversation I had over the phone with their advisor.
He said I ticked the box for PPI. It was done over the phone
He also said that I signed the agreement and because of that it is the banks policy not to refund the ppi

What a load of B......T

Ring FOS & if you feel really brave, ring Tesco PF back & ask to speak to the Manager of the PPI section, I did, it didn't get me anywhere, but I took my frustrations out on them.

di3004

Lilac789

As promised in my above post, here is the template SAR letter:

Good luck;)

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

dreamer33 wrote: »

They should have given you a FOS leaflet within the final response, you should take your complaint further I think.

How do NRock know that they salesperson stuck to the script they may well have went off script a little.

Have you requested a SAR from them?

Excellent point dreamer....;)

di3004

I know this is not PPI related, but think this is pretty good news if anyone are worried about losing their homes:;) In England anyways X

http://money.aol.co.uk/mortgage-rescue-scheme-rolled-out/article/20090115190754565940531