PPI Reclaiming Discussion part 4

pinknico

sahra wrote: »

I sent off my SAR using the template letter to Barclays along with a £10 cheque (which they cashed straight away). Today got a reply with 1 sheet of paper giving details of late fee charges (which we had refunded e4ach time)

I would have thought the letter was clear enough that we wanted details of any correspondence/ phone calls we had made with the bank. I wanted evidence of us contacting the bank trying to cancel PPI early on in our agreement.
Any ideas what I should do now?
Thanks

You can either write back to them and give them a nudge or contact the ICO to complain you haven't been given all your info.

pinknico

chocaholic110 wrote: »

Hi, I'm still waiting on SARS stuff from Egg but wondered if anyone could advise on different issue please?

OH had a Cahoot flexiloan that was paid off (lump sum) last year as it never seemed to go down. Thought I would investigate whether it had PPI so sent off for loan agreement. It arrived today and I thought would show what the loan amount was and PPI and repayments were but it is literally just terms and conditions with his signature at the end - is this right? I still haven't a clue whether it had PPI though I suspect it did and don't want to pay £10 for SARS for nothing.Also it is dated 2002, I hadn't realised it was that long ago. Is this too old to pursue?

This is not too old to pursue for the PPI but you will only get the information with an SAR I should think.

kkchick2009

Got my SARS info back from First plus - loads of sheets of nothingness, no mention of any money paid to broker plus a cd supposed to be of telephone conversations but nothing on it! What a waste of £10 - I'll write to them about the disk and what some of the abbreviations mean - just more delaying tactics by them I suppose?

corturp

Hello everyone, this I my first posting on Money Saving Expert, so here goes!!! How long should I wait between my first letter to Lloyds and my second letter regarding being mis-sold loan insurance. My first letter was signed for on the 5th February 09 and I have not heard anything since. FAB website - keep up the good work :T

di3004

corturp wrote: »

Hello everyone, this I my first posting on Money Saving Expert, so here goes!!! How long should I wait between my first letter to Lloyds and my second letter regarding being mis-sold loan insurance. My first letter was signed for on the 5th February 09 and I have not heard anything since. FAB website - keep up the good work :T

Hi there

Good luck with these, hope you win.;)

They have 8 weeks to respond in full, if they replied say for example within 6 weeks, basically its another 2 weeks on the 2nd letter, that is what I have been told.
Keep us posted hun, and keep at them:A X

di3004

FloridaMadShell wrote: »

StillSmiling and di3004 - thank you, thank you, thank you!

I have just typed my letter to Egg re card insurance payments so will keep you posted about that too.

I have an LPI agreement on my current loan - would it be wise to cancel it? It's costing me £85 a month on top of my loan repayments. In the current climate I am a bit worried that i'll cancel it and then lose my job (sod's law) and not be able to make the loan payments. Do you have any thoughts?

Again, apologies for posting so many questions!

Hi hun, not a problem, good luck.:D :j

I would try to check out the terms and conds on the policy in regards of cancelling, some finance companies expect you then to refinance on another loan without the PPI, so double check with that at first, because even if you cancel, if after the cooling period the repayments may not come down that much, hopefully someone else will post who have had dealings with the company, good luck.;)

di3004

chocaholic110 wrote: »

Hi, I'm still waiting on SARS stuff from Egg but wondered if anyone could advise on different issue please?

OH had a Cahoot flexiloan that was paid off (lump sum) last year as it never seemed to go down. Thought I would investigate whether it had PPI so sent off for loan agreement. It arrived today and I thought would show what the loan amount was and PPI and repayments were but it is literally just terms and conditions with his signature at the end - is this right? I still haven't a clue whether it had PPI though I suspect it did and don't want to pay £10 for SARS for nothing.Also it is dated 2002, I hadn't realised it was that long ago. Is this too old to pursue?

Hi there
The loan agreement should be something that you signed, did it have your signature on this, and did you enclose a £1 postal order or cheque payment for this?
They have 12 days on request to send this to you, now the agreement should show the PPI.;)

di3004

sahra wrote: »

I sent off my SAR using the template letter to Barclays along with a £10 cheque (which they cashed straight away). Today got a reply with 1 sheet of paper giving details of late fee charges (which we had refunded e4ach time)

I would have thought the letter was clear enough that we wanted details of any correspondence/ phone calls we had made with the bank. I wanted evidence of us contacting the bank trying to cancel PPI early on in our agreement.
Any ideas what I should do now?
Thanks

Hi there

Blimey is that all they sent you?
Or have I mis read your post?

If you require the agreement they should supply this to you as a separate request for a charge of £1 postal order or cheque payment and supply this within 12 days of request.

If this was taken out over the last 6 years, they should still have kept this on file/microfiche.

Any problem here I would contact the Information commissioners office (ICO), here who may be able to help you in this situation.;)
https://www.ico.gov.uk/Global/contact_us.aspx

Good luck. X

di3004

dreamer33 wrote: »

Thank you xxxxxx

Just been catching up and noticed your getting mixed up with the dreamers again lol:beer:

lmao , there must be hundreds of dreamers on this site lmao :rotfl: :rotfl: :rotfl: , you know me though lol XX

di3004

dreamer33 wrote: »

Well done Di, you deserve it soooooooo much xxxxxxxxxx:beer: :beer: :beer: :beer: :j :j :j :j :j :T :T :T :T :T :beer: :beer: :beer: :beer: :beer: :beer: :A :A :A :A :A :A :A

Thank you very much hunni :beer: :beer: :beer: , its your turn now hun :A , we have missed you on here, hope your okay XXX