di3004 wrote: »
So sorry to hear that.
Now when you mention that they refuse to send you any proof of the calls, did you request this in terms of a Subject Access Request (SAR) there is a letter template for this below link and they MUST comply and send ALL data they hold on the account.
They have 40 calendar days to do so.
For this though you enclose £10 cheque or postal order.
If they have these details and informed you that you agreed on the phone then they must still have the evidence for this somewhere in your data, so they should be able to prove it.
I would be wondering myself otherwise.
If they still don't send you the copies of calls in forms of transcipts of cd etc, then I would write back and tell them they must have had proof of this on data and you will now contact the Information Commissioners Office (ICO) to make a complaint.
(If they have the details then they should disclose them, afterall its what they are saying you asked for and I would not take their word for it without the evidence).
You can still continue to make the complaint with the FOS if you want to.
Was it the final decision?If not then maybe you could ask them to reconsider otherwise first.Good luck.
Dizzywithmoney wrote: »
Hi All - just been chatting to 79 year old father in law about loans and stuff and just happened to mention about us trying to claim stuff back!! We are worried about his finances anyway and try to help him as best we can, obviously he is a pensioner but he was given a car loan about 3 years ago over a 5 year term!! Now who on earth gives a 76 year old a car loan for 5 years anyway but for him to be paying £200 per month on a pension is outrageous. The car is not anything special either and its not new by anymeans!! After pressing him about this loan he agreed to look to see if he was paying PPI and bring the forms for me to read next week. He did go on to say that they pressurised him into, what sounds like, some form of GAP insurance because he says it was if the car got damaged in any way and he said he that £30 a month of the loan is this insurance. Now we are really wondering if he has become confused and part of this £30, or even all of it, is PPI insurance. Could anyone advise if he has been sold PPI insurance would this have been mis-sold with him being a pensioner and not working at all. Also he has several medical problems and his wife at that time was disabled and she died not long after he took this loan on.
Gunnersaurus wrote: »
Thank you so much for your help! I didn't request the information as a SAR, but I will do this. I requested evidence from Capitalone to prove that I had signed up to it. They just stated on their letter that they won't provide the telephone transcript, and this was their final decision. I will write to them anyway requestiong the info, and if they don't provide it, then I'll have a letter ready to go to the FOS.
Thank you once again, I really do appreciate your help.
A very important benefit currently applies to your mortgage and provides Mortgage Payment Protection Cover.
The Society has been able to provide this benefit to you free of charge for the first 6 months and it is important that the cover is maintained now this period is drawing to a close.
So that you do not lose the protection provided by this cover, your payment has been ammended to £xxx.xx, with effect from Feb 2003. This payment now includes one twelfth of the annual Mortgage Payment Protection premium(s).
Please note that from March 2003 this amount will change to £xxx.xx. This payment supersedes that quoted in your annual mortgage statement package and will be collected automatically by direct debit, if you pay by this method. If you pay by any other method, please rrance to adjust your payments accordingly.
I do hope that the free cover period, for this important insurance, has been of benefit to you.
If you wish to make any amendments to your MPPI cover, or require any help or information generally concerning your insurance policies, please feel free to contact our Insurance Team on Leeds xxxxxxxxx. They will be please to assist with any enquiries you may have.
Please find attached a revised schedule of cover for your records and safe keeping.
W1zz wrote: »
Hi, I'm wondering if I have grounds for a claim on a Mortgage Payment Protection cover policy I didn't realise I was paying for on an old mortgage.
I've recently been going through my old paperwork on different mortgage and noticed that the redemption statement on the previous mortgage showed an entry for 'Mortgage Payment Insurance Debits'.
The mortgage was taken out at the Leeds & Holbeck Building Society in 2002 and looking at my original paperwork, does list Mortgage Payment Protection, but with a monthly premium is £0.00. At the time of taking out that mortgage (in a branch) I wasn't aware I'd opted to take out any payment protection insurance. I've never taken this type of insurance before or since, and it's something I've always declined when offered. At the time I'd been working for the same company for 12 years (now 21yrs) and have never taken a day off sick.
My dilemma is, that I have another letter in Jan 2003, which says:
I'm unable to find any 'revised schedule of cover' only a leaflet about MPP (Strange, as I keep all my documents together).
It looks as though I've been paying £20+ per month on a payment protection from Feb 2003 until I closed the mortgage in Jun 2004 (approx £320).
Only by re-reading the above letter I received in Jan 2003, do I realise that I could have cancelled the cover, to prevent my payment going up.
Do I have grounds for a claim or just chalk it up as being careless?
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