Trying to Reclaim PPI from FirstPlus

ranger24

Have sent a letter to FirstPlus to reclaim PPI as i was self empoloyed at the time i felt i had been misold the policy as i would never be able to make a claim while work might slacken of the only way i could be truly out of work would be to close the business. Basically they have replied that they have found no evidence from the recordings of the conversations that i was pressurised or advised i had to take out PPI with them. Everything was fully explained to me and i agreed to all the terms and signed accordingly. Unfortuately i do not have the means to record all my phone conversations and am rely on my memory of such matters. We have had a serious family situation which has meant we have missed the 8 week deadline they gave us to further pursue the case after which time they would consider the matter closed. Any help or advice apprecciated.

marshallka

ranger24 wrote: »

Have sent a letter to FirstPlus to reclaim PPI as i was self empoloyed at the time i felt i had been misold the policy as i would never be able to make a claim while work might slacken of the only way i could be truly out of work would be to close the business. Basically they have replied that they have found no evidence from the recordings of the conversations that i was pressurised or advised i had to take out PPI with them. Everything was fully explained to me and i agreed to all the terms and signed accordingly. Unfortuately i do not have the means to record all my phone conversations and am rely on my memory of such matters. We have had a serious family situation which has meant we have missed the 8 week deadline they gave us to further pursue the case after which time they would consider the matter closed. Any help or advice apprecciated.

If the only reason you think you was missold was because of the self employment then I doubt you would win on this alone.

Do you feel you were pressured.

You can ask them for a sar request which is all the information that they hold on you but it cost £10 and they can take up to 40 days to send this out.

There is a template letter here. This would then give you and idea of how the conversations were that took place at the time of the sale. Also did you go through a broker at all. If you did then you have to make the complaint to the broker as it would have been them that made the sale to you.

Also how long over the deadline are you from the 8 weeks??

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