PPI Reclaiming Discussion part 4

Locke

After attempting to reclaim PPI a few years ago I was fobbed off by Alliance & Leicester, with this new ruling I'd like to bring my complaint up again and would also like to do a SAR request to pull up all of the old information on past loans.

The thing is now my current A&L loan has been taken over by Santander so who do I SAR? If it is Santandar then will I get the information going back 6 years to a previous A&L loan that has been paid off?

virtuous

Hi Di3004,
I have been away for a while but I am very happy that the BBA lost and we own - hurray!!!. Di, I have a question for you, I had a loan with Abbey National which is now Santander although I defaulted when I was made redundant, I later in 2003 paid off the loan. When I recently requested for Consumer Credit Agreement 1974, they sent me a handwritten form which does not show any details of PPI, I kept requesting but they would not send me the Consumer Credit Agreement 1974, all they have done is a copy of part of the Agreement which has terms and conditions but not percentage, or how they calculated the monthly loan. They also claim that since the account is now closed and does not have money outstanding, they do not intend to deal with this case any more and that should I want to contact the FSO, I can do so within six months from the date of their letter. Di, what do you think?

amersall

Locke wrote: »

After attempting to reclaim PPI a few years ago I was fobbed off by Alliance & Leicester, with this new ruling I'd like to bring my complaint up again and would also like to do a SAR request to pull up all of the old information on past loans.

The thing is now my current A&L loan has been taken over by Santander so who do I SAR? If it is Santandar then will I get the information going back 6 years to a previous A&L loan that has been paid off?

Do you have both account numbers? if you do then if you have valid reasons for mis sell then put a claim in and save the £10 you will pay for a sar.
To claim mis sell the loans would either have to still be running or paid off within the last 6 years, even so, you could try a claim and see what they come back with.
Send your complaint or sar request to.
http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&canal=CABBEYCOM&cid=1210607166846&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

Locke

amersall wrote: »

Do you have both account numbers? if you do then if you have valid reasons for mis sell then put a claim in and save the £10 you will pay for a sar.
To claim mis sell the loans would either have to still be running or paid off within the last 6 years, even so, you could try a claim and see what they come back with.
Send your complaint or sar request to.
http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&canal=CABBEYCOM&cid=1210607166846&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

I don't have the account number for either although the last one went into a consolidation loan that is still running.

So when Santandar bought A&L they took over everything including past loans that had been previously settled before the takeover?

Thanks for your help.

amersall

Locke wrote: »

I don't have the account number for either although the last one went into a consolidation loan that is still running.

So when Santandar bought A&L they took over everything including past loans that had been previously settled before the takeover?

Thanks for your help.

Hi there, if you have the last one running, then ring them and ask to put a complaint in for mis sell, they should find you from your name etc, also if you have internet banking is the account number on the dd that you pay this loan from?.
When you put a complaint in tell them you want them to look at the one you paid off with the one that is still running as well.
When you put your complaint into Santander they will deal with your mis sell.
I put mine in with A&L and every letter from then was from Santander

rosc

di3004 wrote: »

Hello there Ros

Go for it, as long as you still have the account numbers that is fine, you do not actually need anything else as such.

Complete the reclaim questionnaire as on step 3 below, keep copies and send one to whoever sold you the account/head office or complaints dept, and allow 8 weeks, good luck.

Thanks Dizzy Di - I'll do it

h0pusp0pus

good afternoon ive had a letter back from hfc included in the envelope was a questionnair but not the usual one its a form that hfc have done themselfs i have 10 ten days to fill it in and send it back shall i send this form in or do you think i should do the official form printed from here?

amersall

h0pusp0pus wrote: »

good afternoon ive had a letter back from hfc included in the envelope was a questionnair but not the usual one its a form that hfc have done themselfs i have 10 ten days to fill it in and send it back shall i send this form in or do you think i should do the official form printed from here?

I would fill that one in, take a copy when you have filled it in and send it recorded delivery.

di3004

Locke wrote: »

After attempting to reclaim PPI a few years ago I was fobbed off by Alliance & Leicester, with this new ruling I'd like to bring my complaint up again and would also like to do a SAR request to pull up all of the old information on past loans.

The thing is now my current A&L loan has been taken over by Santander so who do I SAR? If it is Santandar then will I get the information going back 6 years to a previous A&L loan that has been paid off?

Try this for complaints, but contact them to ask them for an address for data requests, good luck.

Santander
Tel - 0845 600 6014 - select option 3.
Complaints Santander, PO Box 6197, Milton Keynes, MK10 1UY.

di3004

virtuous wrote: »

Hi Di3004,
I have been away for a while but I am very happy that the BBA lost and we own - hurray!!!. Di, I have a question for you, I had a loan with Abbey National which is now Santander although I defaulted when I was made redundant, I later in 2003 paid off the loan. When I recently requested for Consumer Credit Agreement 1974, they sent me a handwritten form which does not show any details of PPI, I kept requesting but they would not send me the Consumer Credit Agreement 1974, all they have done is a copy of part of the Agreement which has terms and conditions but not percentage, or how they calculated the monthly loan. They also claim that since the account is now closed and does not have money outstanding, they do not intend to deal with this case any more and that should I want to contact the FSO, I can do so within six months from the date of their letter. Di, what do you think?

Hiya

Did you do this by actually requesting for a Subject Access Request (SAR) to their data dept? they should hold details up until the last 6 years at least but its known when people have requested data by a forms of a SAR, as they must comply by the Data protection act (DPA) to send all they hold on you - or they must return the payment for this and a letter to explain.

If you haven't, there is more on SAR below, its a template letter, you can tweak to your requirements if you want to - but enclose £10 cheque or postal order, they have 40 calendar days to comply.
https://forums.moneysavingexpert.com/discussion/1475553

However, if as long as you have the account number of that account, you can normally continue to make a reclaim.

So if you still have hold of this, try for the reclaiming, see what they come back with then.
Step 3 - Reclaim questionnaire, complete and send to the ones who sold you the loan, keep copies and allow 8 weeks for a decision.
http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step3

To track down account numbers, if you were paying the loan out of the same account now, and bank online, this sometimes allows you to go back 7 or more years, and its shown next to the loan monthly repayment.

Hope this helps, fingers crossed.;)