PPI Reclaiming discussion Part III

jojo1964

This has got me on a roll now, my in-laws took out a loan a year ago and paid up front for insurance, my Father-in-law is 70 next year, still working part time, my mother in law is retired, dont have the full details yet but it seems a likely case for claiming back PPI.

marshallka

jojo1964 wrote: »

This has got me on a roll now, my in-laws took out a loan a year ago and paid up front for insurance, my Father-in-law is 70 next year, still working part time, my mother in law is retired, dont have the full details yet but it seems a likely case for claiming back PPI.

How old was your dad in law when he took the loan out jojo..??

If he was not covered by the insurance then that alone is a reason for misselling.

When was the loan and who with??

marshallka

nutmeg wrote: »

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts.
Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organization.
-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
I enclose a cheque in the sum of £10 to cover your fee.
IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.
I look forward to hearing from you in the first instance of receipt.
Yours faithfully


this one

This is the other version of the SAR nutmeg. I wondered if it was this one...


Perhaps this one is different in that it mentions the data protection acts ...

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

nutmeg wrote: »

hi everyone,
wondering if you can help me with this?
just recieved a letter about my SAR





Thankyou for your letter requesting acess to the personal information held about you



Please note **** is not obliged to supply records held in paper format if they do not form part of a relevent filling system

In the mean time, i would be greatful if you could contact me in order to clarify the exact information you require


I used the template off this site (was not the latest version)
asking for all information regarding my loans
does this mean they cannot send me the info?????????
what do i ask for when i phone?
please help, did not know what a SAR was till i came to this site!!!

Nutmeg, this may be of use to you...
http://www.ico.gov.uk/what_we_cover/data_protection/your_rights.aspx

jojo1964

marshallka wrote: »

How old was your dad in law when he took the loan out jojo..??

If he was not covered by the insurance then that alone is a reason for misselling.

When was the loan and who with??

They have taken a number of top up loans with the same company over the years, The TSB i believe (didnt think they still existed, getting info from a phone call to them), He was 68 when he took out the latest loan, and was informed that he was not covered for unemployment (trying to get full details from them) he also had a pre-existing medical condition) so i cannot see what the insurance would cover, they are sending me the details for me to print out a letter (from template) to start the ball rolling.

Another query, any info on success reclaiming unfair charges from MBNA credit card? a lot of question i know, but this has got me going now.

marshallka

jojo1964 wrote: »

They have taken a number of top up loans with the same company over the years, The TSB i believe (didnt think they still existed, getting info from a phone call to them), He was 68 when he took out the latest loan, and was informed that he was not covered for unemployment (trying to get full details from them) he also had a pre-existing medical condition) so i cannot see what the insurance would cover, they are sending me the details for me to print out a letter (from template) to start the ball rolling.

Another query, any info on success reclaiming unfair charges from MBNA credit card? a lot of question i know, but this has got me going now.

If you try typing MBNA on the success thread "search this thread" you may have some idea...and here too..;)

From the sounds of your in laws loans they would have been missold. Take a look at the link for misselling that Martin did and get reclaiming...;)

pinknico

Marshallka you have offended no one you are a diamond. xxx

And i need your help can I reclaim PPI from a credit card put on more than 6 years ago? Thanks

pinknico

jojo1964 wrote: »

They have taken a number of top up loans with the same company over the years, The TSB i believe (didnt think they still existed, getting info from a phone call to them), He was 68 when he took out the latest loan, and was informed that he was not covered for unemployment (trying to get full details from them) he also had a pre-existing medical condition) so i cannot see what the insurance would cover, they are sending me the details for me to print out a letter (from template) to start the ball rolling.

Another query, any info on success reclaiming unfair charges from MBNA credit card? a lot of question i know, but this has got me going now.

Hello jojo1964 MBNA are hard work, but if you stick at it you should be ok.

marshallka

pinknico wrote: »

Marshallka you have offended no one you are a diamond. xxx

And i need your help can I reclaim PPI from a credit card put on more than 6 years ago? Thanks

If it were a bank Pinknico then yes I would say (you only just became aware!!) as they would have been part of the Banking Ombudsman Scheme which was around before the new Ombudsman... Who was it with pinknico..;)

dreamer33

Hi all I'm back just been getting ready, I am lazy today infact I sometimes take kids to school in my PJ's (I'm to admit). But I'm in the car and don't get out.

However if I ever get stopped by the police in my PJ's,:eek: now that would be a different matter.:rotfl: :rotfl:

Is everyone cool now:j