PPI Reclaiming Discussion part 4

di3004

superwhy wrote: »

Thankyou di, he doesn't have any old statements so I'll have to get a Subject Access Request, what is this? and would I get it from our local branch or do I have to send of for it? if i do have to send off for it, do you know the address to write to? thanks again.x

Hi there

A SAR is information they hold on the account going back as far as 6 years from now, but sometimes they may hold data going back to earlier years.
So they must supply what they have and send you all the info by 40 days.
Hopefully PPI information will be enclosed, so you will know how much, when it was taken out, and when and so on, and also the calculations.
This can also include a copy of the written transcript phone recordings, however, some will send a recorded disc.

If they are unable to supply none of the PPI, then they MUST return your £10 payment cheque or postal order with a letter to explain.
But I would think this should not be a problem though.

So for this SAR they would prefer a account number in order to find the data, but by giving them as much personal info/details as you can should help.;)
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Have a few addresses below - maybe someone who have had dealings with them will confirm which one, or ring one of the tel numbers and ask them just to be on the safe side, remember to post by recorded delivery as well.

WELCOME FINANCIAL SERVICES LTD MERE WAY,
RUDDINGTON FIELDS BUSINESS PARK,
RUDDINGTON,
NOTTINGHAM,
NG11 6NZ
TEL: 0845 6187804

Welcome Finance
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

Welcome Financial Services (Worcester Branch)
2, Sansome Walk,
Worcester,
Worcestershire
WR1 1LH
Tel: 01905 723857

Welcome Finance (Kidderminster Branch)
Campion House
Green St, Kidderminster, DY10 1JL
Tel: 01527 592369

superwhy

di3004 wrote: »

Hi there

A SAR is information they hold on the account going back as far as 6 years from now, but sometimes they may hold data going back to earlier years.
So they must supply what they have and send you all the info by 40 days.
Hopefully PPI information will be enclosed, so you will know how much, when it was taken out, and when and so on, and also the calculations.
This can also include a copy of the written transcript phone recordings, however, some will send a recorded disc.

If they are unable to supply none of the PPI, then they MUST return your £10 payment cheque or postal order with a letter to explain.
But I would think this should not be a problem though.

So for this SAR they would prefer a account number in order to find the data, but by giving them as much personal info/details as you can should help.;)
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Have a few addresses below - maybe someone who have had dealings with them will confirm which one, or ring one of the tel numbers and ask them just to be on the safe side, remember to post by recorded delivery as well.

WELCOME FINANCIAL SERVICES LTD MERE WAY,
RUDDINGTON FIELDS BUSINESS PARK,
RUDDINGTON,
NOTTINGHAM,
NG11 6NZ
TEL: 0845 6187804

Welcome Finance
Kingston House
Centre 27 Business Park
Woodhead Road
Birstall
Batley
WF17 9TD

Welcome Financial Services (Worcester Branch)
2, Sansome Walk,
Worcester,
Worcestershire
WR1 1LH
Tel: 01905 723857

Welcome Finance (Kidderminster Branch)
Campion House
Green St, Kidderminster, DY10 1JL
Tel: 01527 592369

Thanks again di, but I've already been successful with Welcome, it's Barclays address that I need please if you've got it?

di3004

superwhy wrote: »

Thanks again di, but I've already been successful with Welcome, it's Barclays address that I need please if you've got it?

LOL, oops sorry my mistake.....silly me........:o:D

Have a wad full here hun.....

BARCLAYCARD CUSTOMER RELATIONS DEPARTMENT,
PO BOX 6476,
NORTHAMPTON,
NN4 1ZN

Barclaycard
Barclaycard House
PO Box 5592
Northampton
NN4 1ZY

Barclays Bank PLC
1 Churchill Place
London
E14 5HP


Barclays Bank PLC
Leicester
LE87 2BB


Keith Jeremiah -- Legal Executive
Tel: 02071162705
Fax: 02071167661
@: keith.jeremiah@barclays.c om

Customer Relations
Consumer Finance
Barclays Bank Plc
Astley Byrom House
Manchester
M3 4AE

0207 116 4561.
Mike Brophy
Head of Customer Relations

Peter Townsend
Manager,
Barclays Data Protection
Radbroke Hall
Knutsford
Cheshire
WA169EU
Tel 01565614000
Fax 01565613583

BARCLAYS BANK PLC NEW ACCOUNTS,
DEPARTMENT 1,
GOLDFISH
GLASGOW,
G68 9ZP

Barclays Bank PLC
Privacy & Data Protection
Radbroke Hall
Knutsford
Cheshire
WA16 9EU

Tel: 01565 614000 or [text removed by MSE Forum Team - no longer correct number]/ Fax : 01565 613583 or 01565
614208 0845 6090806

Barclays Bank PLC
Charges Refund Team
1 CHURCHILL PLACE
LONDON
E14 5HP

Tel: 0800 282390

smitchy73

thesomertontroll wrote: »

Hello di3004 and the rest of the Forum. I received my package from my SAR request to Lloyds bank yesterday. It took me longer than i thought to get things sent off and the bank has replied in about the right amount of time. Wow loads of stuff to plough through. My initial reason for requesting the info was that i have had PPI on my credit card for as long as i can remember coupled with monthly minimum payments (The worst combination i now realise). I have copies of statements starting Feb 2004 to present day and a copy of the Mastercard application i made in 1998. This was an upgrade from a standard credit card to a Gold Account. I remember having the minimum monthly payment on my previous card and i also think PPI but not sure. The previous credit card was started in the late 1980's. I remember taking the minimum monthly amount route as i was in the Navy and didn't want to incur fees from late post trailing me whilst at sea.
From 1998 onwards i have at least twice taken a loan to pay off a maxed out credit card (2004 and 2007 and have evidence of the reason for taking the loans). I believe back in the late 1980's and again in 1998 (i was still in the Navy then) i would have agreed to the PPI and Monthly minimum payment for the reasons stated and therefore piece of mind whilst out of the country. Throughout the remainder of the time from 1998 to present day i have never been advised by the bank to not have either of these options. This is where i believe i have reason to pursue a claim.
Can you good people advise what my next steps should be? Kind regards,
Paul

Would you have been eligible for cover, doesn't being in the Armed Forces usually go against the cover? Just a thought.

richalan

Hi all

I was awarded just over £2500 from halifax 5 months ago for missold ppi but I have still not received the money. I have sent 4 letters asking why but there is still no reply, any one have any ideas, cheers.

di3004

richalan wrote: »

Hi all

I was awarded just over £2500 from halifax 5 months ago for missold ppi but I have still not received the money. I have sent 4 letters asking why but there is still no reply, any one have any ideas, cheers.

Hi there and well done!:beer:
Blimey that is a long wait.

Wonder if it would help by writing/emailing the Chief Exective officer (CEO), not sure who this would be but they certainly had ample time to pay this out to you.
You could also try contacting the FSA as well and ask if they can help in someway.
http://www.moneymadeclear.fsa.gov.uk/about_the_fsa/contact/contact_us.html
this link is in relation to the FSA.

Good luck with this and hope you receive your money very soon, please keep us posted.;)

superwhy

Thanks again di, will let you know how I get on!x

lucieloo

hi di,
its me again lol sorry to bother you but after reading through your posts i was wondering if you could help me. i see that you have gone for mis-sell with the insurer, i have recently received a letter from fos saying they can not investigate the broker as they were not covered by gisc but to go for the insurer. i have wrote to the insurer but i am unsure if it is the right one. how would i find out?the trouble is i no longer have my policy so i can not find out. what happens when you pursue with the insurer?

di3004

lucieloo wrote: »

hi di,
its me again lol sorry to bother you but after reading through your posts i was wondering if you could help me. i see that you have gone for mis-sell with the insurer, i have recently received a letter from fos saying they can not investigate the broker as they were not covered by gisc but to go for the insurer. i have wrote to the insurer but i am unsure if it is the right one. how would i find out?the trouble is i no longer have my policy so i can not find out. what happens when you pursue with the insurer?

Hi Lucie
Hope your well.

Your insurer details should be enclosed on the Policy details, if you write to the lender they should supply you with these details through the post, your entitled to request for a copy of the policy details at any time.

Sometimes these are not enclosed with the loan documents, even though your supplied with so much paperwork, but if your not sure on who the insurer is they should send this policy separately through the post - I believe by 14 days.;)

You then write to these the same way as you do the broker to reclaim, if they come back and say no, then the FOS is likely to be able to investigate because these would have been covered.

Hope this helps hun.:)X

di3004

superwhy wrote: »

Thanks again di, will let you know how I get on!x

Your very welcome.:)X