PPI Reclaiming Discussion part 4

longers1980

Hi All

I am new to all this and only just starting to try and claim on the PPI basis!

I have written quite a few intial letters to lenders and credit card companies asking for copies of the agreements i have had with them - had my first response today from Citi Financial stating that as my agreement with them has ended they are not obliged to provide me with a copy of the agreement i had with them. I quoted Section 78 (1) of the Consumer Credit Act 1974 (as taken from a template letter on this site) but they state that section 78 (3) (a) states that section 78 (1) does not apply where no sum is, or will or may become payable by the debtor.

So basically where do i go - i don't have a copy of the original agreement with them so have no clue as to whether or not the agreement had PPI included in it?? I'm sure they are just trying to get rid of me but not sure how to reply?? Any help would be grateful??

Longers1980

ThunderCat

Cappo, all I can really say on this matter is that as soon as you get that all important SAR......Kick a$$ big stylee, all guns blazing!:rotfl:

they are basically calling you a liar, so I would demand acknowledgement of their misjudgement along with an apology. Make 'em squirm!

darwins_mum

Good morning all, first 6 letters to previous creditors sent today. Sit back, relax, expect it to take as long as it takes. Lloyds TSB responded pretty quickly last year, it was all done and dusted within a few weeks.

Can anyone advise whether Intelligent Finance is underwritten by Halifax? I seem to recall having an IF card 6 years ago, but it hasnt appeared on my credit report, but Halifax did.
Thanks in advance for any help
DM

cappo

longers1980 wrote: »

Hi All

I am new to all this and only just starting to try and claim on the PPI basis!

I have written quite a few intial letters to lenders and credit card companies asking for copies of the agreements i have had with them - had my first response today from Citi Financial stating that as my agreement with them has ended they are not obliged to provide me with a copy of the agreement i had with them. I quoted Section 78 (1) of the Consumer Credit Act 1974 (as taken from a template letter on this site) but they state that section 78 (3) (a) states that section 78 (1) does not apply where no sum is, or will or may become payable by the debtor.

So basically where do i go - i don't have a copy of the original agreement with them so have no clue as to whether or not the agreement had PPI included in it?? I'm sure they are just trying to get rid of me but not sure how to reply?? Any help would be grateful??

Longers1980[/QUOTE








they are not obliged to give you a breakdown of your agreements etc under the consumer credit act if your accounts are closed but they are under the data act you will need to submit a request to your lender for a sar (subject access request)





https://forums.moneysavingexpert.com/discussion/1475553


this will cost you £10.00 which could be postal order or cheque and they are obliged under the data protection act to comply within 40 days.

cappo

ThunderCat wrote: »

Cappo, all I can really say on this matter is that as soon as you get that all important SAR......Kick a$$ big stylee, all guns blazing!:rotfl:

they are basically calling you a liar, so I would demand acknowledgement of their misjudgement along with an apology. Make 'em squirm!

Ha ha cat i will,luckily for me i covered everything with ppi the only reason i can think that they are not playing ball is i was indeed misold as i was self employed at the time and it's a reasonable sized claim,i will get it though lol

di3004

Hi folks

I will get on to your posts in a min, however I can see our Cappo have been busy and answering to your posts, good one Cappo.:T

As many of you will know, a few weeks back we were successful on reclaims via Lloyds which have now also paid out, well today a letter arrived in the post to state about the extra time lol, plonkers, they haven't a clue what their doing, its the usual letter they are sending out to customers.



Dear

Update on progress of your Payment Protection Policy Complaint.

Following our previous letter regarding your PPI complaint, we are writing to provide you with a further update.

I am sorry for the delay in getting back to you. We are unable to resolve your complaint sooner because of the rules which determine how we assess your complaint were being considered by the Court as part of the legal proceedings. Those proceedings have now ended.

I can confirm we will respond we will respond to your complaint as soon as possible and in any event by 31 August 2011 at the latest. This is in line eith the specific requirements that the FSA has published for the handling of the PPI complaints. You can find full details of the FSA's requirements on their website..........

I am sorry that I have not been able to respond fully to your complaint, but rest assured that we are working to resolve your complaint as soon as we can.
If you have any questions regarding this please contact us on 0845 300 5599, we will be happy to help. Lines are open between 8am to 6PM, Monday to Friday.

Yours sincerely
Customer Relations.

cappo

di3004 wrote: »

Hi folks

I will get on to your posts in a min, however I can see our Cappo have been busy and answering to your posts, good one Cappo.:T

As many of you will know, a few weeks back we were successful on reclaims via Lloyds which have now also paid out, well today a letter arrived in the post to state about the extra time lol, plonkers, they haven't a clue what their doing, its the usual letter they are sending out to customers.



Dear

Update on progress of your Payment Protection Policy Complaint.

Following our previous letter regarding your PPI complaint, we are writing to provide you with a further update.

I am sorry for the delay in getting back to you. We are unable to resolve your complaint sooner because of the rules which determine how we assess your complaint were being considered by the Court as part of the legal proceedings. Those proceedings have now ended.

I can confirm we will respond we will respond to your complaint as soon as possible and in any event by 31 August 2011 at the latest. This is in line eith the specific requirements that the FSA has published for the handling of the PPI complaints. You can find full details of the FSA's requirements on their website..........

I am sorry that I have not been able to respond fully to your complaint, but rest assured that we are working to resolve your complaint as soon as we can.
If you have any questions regarding this please contact us on 0845 300 5599, we will be happy to help. Lines are open between 8am to 6PM, Monday to Friday.

Yours sincerely
Customer Relations.

I've now had the same letter D,i've just sent them a lovely email back

cappo

Thank you for your letter of 24/06/11, I appreciate you have big backlogs of ppi complaints and the fsa have now given you 16 weeks to investigate ppi complaints and that's fine but one of the fsa rulings on the 10/12 open letter assessment of the new rules is that banks now fairly review customers ppi complaints, Up to this point i am willing to let it go but i know i have been lied to by yourselves when you have informed me that i do not have ppi on my two credit card accounts as you well know this is not the case,you know full well i have ppi on the two credit card accounts i had with you, you are required to fairly investigated my complaint now. I was sold the credit card ppi by your then tsb branch manager Andre korolus with ppi, i was self employed at the time,i had medical issues and i was not told that the ppi was optional, I don't want to have to involve the fsa and ico but i will if you do not investigate my complaint properly, i will send a sar request in if i do not indeed get confirmation that i had the insurance,i fully know what my consumer rights are with regard to ppi and know how i approach requesting more information from you and i know that i can request a sar under the data protection act, please enough of the games now,please re-look at my complaint, i can send a fos questionaire in if you wish, i'm fine with the wait i just want my complaint investigated properly i'm not going away until this is resolved respectfully thank you. (email to ceo,customer services )




Do you think it'll get there attention.

di3004

cappo wrote: »

I've now had the same letter D,i've just sent them a lovely email back

LOL it must have just been automatically then I expect lol. Considering mine have been already resolved and paid out.

Dirks_Engine_Room

Postman called this morning.

A response from RBS - and an offer as a gesture of goodwill on first claim!

All PPI payments plus 8%.

Totals around £1,700

Number two to get back as well now..

Hope others here soon from RBS!!!