PPI Reclaiming Discussion part 4

di3004

patricia50 wrote: »

Just to comment about GE money, Have been helping my daughter make a claim on an Evans card that was GE money, now Santander. We sent them the questioner stating she was sold ppi by a sales assistant who didnt advise or inform her of any conditions of this. She would also have been paid by her employer for a period of sickness and didnt know she could have gone elsewhere to get ppi. They wrote back saying they didnt think it was missold and enclosed a copy of the application form where she had ticked the ppi box saying she was aware of the ppi and had signed for it. They said this was their final response. That is rubbish because just because you have signed for it doesnt mean you have been properly informed. Anyway, to cut a long story short it has been passed on to the FSO and we are now playing the waiting game. So in my opinion GE money do not want to pay up but would be glad to hear from anyone who has had success with them.

Exactly! and good for you for keeping this going, good luck.

di3004

Robyn552 wrote: »

Morning Everyone
I have just received my statements from Nationwide Credit Card, firstly I had the card from June 03 to date, however they have only sent my statements from 05/05/05, is this correct or should they have sent them all?
Also the ppi payment stopped 01/03/09, I don't remember cancelling it, do you think this is when they realised there was a problem with the ppi sales? If yes makes you wonder why they didn't bring it to my attention.
Lastly they have only included someone elses statements, which is totally unacceptable with ID theft so rife. Do the banks have any idea what they are doing anymore?
Has anyone had any success claiming the ppi back from Nationwide credit cards?

Hi there

In regards of data, they should send you your details on the account going back at least the last 6 years, some will however send details going back even to earlier years, so it looks like they've stuck to the last 6 years in your case.

That is not so competant of them is it? sending you someone elses!
I would still continue to make a reclaim if you've not done so yet and tell them you think the level of customer service is poorly too, explain that you received someone elses data (with their personal details, and you are to contact the Information Commissioners Office) to complain about this.

To make a reclaim, as long as you have the account number that helps and your reasons and complete the reclaim questionnaire below - step 3. Make a point of you do not remember cancelling either in the further information part of the form. (Wonder if they have got yours muddled with someone elses)?

Send and keep a copy for yourself as well, and allow 8 weeks for a decision.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step3

To complain to the ICO or ask for advice about the info you received on someone else, details here.
http://www.ico.gov.uk/complaints.aspx

https://www.ico.gov.uk/Global/contact_us.aspx

When you requested for your data, was this a full SAR (Subject access Request) where you enclose £10 cheque or postal order?
They normally have 40 calendar days to comply, and below is the full SAR letter template.
If you had done this and don't feel they have forwarded you everything then write to let them know, and there should also be details of information of when you cancelled (supposed to be) if cancelled within the last 6 years.
https://forums.moneysavingexpert.com/discussion/1475553

Hope this helps, good luck.:)

aurum

Dirks_Engine_Room wrote: »

Evening all,

If anybody has had a claim with FOS (after being initially being refused by bank) and they have upheld but the bank refused due to JR then e-mail them now!

I e-mailed Big Ste at RBS to review my case and it took a couple of weeks but it sure saved the time with Ombudsman.

RBS have now upheld claim.

Lots of wins by lots of posters recently and it is very encouraging for everyone.

Congratulations :j sorry to sound a bit naive is Big Ste, the guy at Group customer relations. I,ve emailed the CEO and got the usual 10 working days but nothing more....

smitchy73

aurum wrote: »

Congratulations :j sorry to sound a bit naive is Big Ste, the guy at Group customer relations. I,ve emailed the CEO and got the usual 10 working days but nothing more....

Big Ste = [EMAIL="Ssteven.hester@rbs.co.uk"]steven.hester@rbs.co.uk[/EMAIL]


You don't need to sound naive, big ste is only that if he's helpful, there's plenty of other expletives we cant use on this forum to describe him too.:mad::rotfl::rotfl::rotfl:

smitchy73

Aurum, just ot add if you've not recevied any acknowledgment I'd email him back and ask why, at the end of the day he's the top man, and it just goes to show how badly the rest of the staff must operate if he can't acknowedge emails within 10 days.

aurum

smitchy73 wrote: »

Aurum, just ot add if you've not recevied any acknowledgment I'd email him back and ask why, at the end of the day he's the top man, and it just goes to show how badly the rest of the staff must operate if he can't acknowedge emails within 10 days.

Thanks Smitchy I'm on the case now

smitchy73

aurum wrote: »

Thanks Smitchy I'm on the case now

No bother Aurum glad to be of a little help.:)

Ladyvaletta

I've had one very quick pay-out from Capital One - within four weeks of writing and that was at the beginning of May.
However, the initial 8 weeks has passed, and no word from Egg or First Direct, although First Direct have written to me and told me they might now take 16 weeks. I know the banks have been given this extra time to deal with this, but can we still chase them? Is it worth it?
Also, had a loan that I paid off in Dec 2009, but can't remember if there was PPI on it, and no longer have any details. Wrote to lender, using template from this site, including £1 cheque to ask for copies of my agreement, they cashed the cheque, then initially replied saying they were returning my cheque (!?!) and weren't obliged to give me any details because the loan was fully paid off. I wrote to them pointing out they had cashed the cheque and therefore where were my details, they've now replied, sending me a cheque, and saying they don't have to give me anything, and they will no longer deal with me, I have to go to Ombudsman. Is this right? I just want to see the paperwork and I might be wrong! Do I have to go to ombudsman just to get my original loan details, and if not, can anyone direct me to a letter template?
Sorry this is so long, but wondering what to do! Thanks all.

Missmuppet_2

Missmuppet wrote: »

Hi All, I was talking to my colleagues today about an incident that happend in 2005 and one of the ladies suggested coming onto this site for advice.

I had taken out an Egg loan a few years earlier and then in 2004 (i think) i re-financed to consolidate some items. I know that i'd always had PPI and the loans were always completed over the telephone. Anyhow in 2005 i had a particularly bad family bereavement which left me unable to work. I took a couple of payment holidays and as i was still being paid carried on paying my loan but by August 2005 lost my job and could no longer afford the payments. I applied for the PPI insurance and waited. When my next payment was due i called Egg as i was worried about missing a payment and the gentleman on the phone told me not to worry, that everything would be sorted and i finished the call feeling much much better. That was on the Friday - on the following Tuesday i got a letter from Egg stating that they would not pay out on PPI as depression was not covered. I had previously had a short bout of stress years earlier and no one asked me about my medical history when re-financing my loan.

After many phone calls i had to finally make the choice to declare myself bankrupt as i could no longer pay any bills. This basically sent me further into a spiral of deperession which i am still taking medication for today. I didn't work for more than 2 years and now can still only cope with part time work.

Could i claim the PPI payments back? I do have the account number for the loan but no paperwork as the Insolvency service took all of my paperwork.

Your advice would be gratefully recieved and sorry for rambling

Hi all, just to let you know how it all went, after the initial 8 weeks after putting in my claim Egg wrote to say they were still investigating. I decided to allow them another 4 weeks before going to the Ombudsman. At the end of another 4 weeks i phoned Egg and was told my claim had gone to the Calculations Dept and i should hear something within about 10 days. Anyhow this morning i received a lovely cheque for £800.82! Amazing! thank you all so much for your advice. Keep up the good work and good luck to others who are still waiting :T

di3004

Ladyvaletta wrote: »

I've had one very quick pay-out from Capital One - within four weeks of writing and that was at the beginning of May.
However, the initial 8 weeks has passed, and no word from Egg or First Direct, although First Direct have written to me and told me they might now take 16 weeks. I know the banks have been given this extra time to deal with this, but can we still chase them? Is it worth it?
Also, had a loan that I paid off in Dec 2009, but can't remember if there was PPI on it, and no longer have any details. Wrote to lender, using template from this site, including £1 cheque to ask for copies of my agreement, they cashed the cheque, then initially replied saying they were returning my cheque (!?!) and weren't obliged to give me any details because the loan was fully paid off. I wrote to them pointing out they had cashed the cheque and therefore where were my details, they've now replied, sending me a cheque, and saying they don't have to give me anything, and they will no longer deal with me, I have to go to Ombudsman. Is this right? I just want to see the paperwork and I might be wrong! Do I have to go to ombudsman just to get my original loan details, and if not, can anyone direct me to a letter template?
Sorry this is so long, but wondering what to do! Thanks all.

Hi there

I would sit it out a little longer in regards of the extra time given, they may still get back before the given extra timescales.

If the account is closed this tends to be the case of them not sending the agreement, but if you request a SAR (Subject access Request), they MUST comply to the DPA (Data protection act), and send all they have on the account going back at least the last 6 years, with a one off payment of £10 cheque or postal order. (You never know the copy of the agreement may even turn up in that).
There is a full SAR template letter below.
https://forums.moneysavingexpert.com/discussion/1475553

However, even if they do not supply you with the details you can still make a reclaim. (although it would help if you know if you did have PPI or not) the SAR should actually enclose these details of insurance even if they don't send you the agreement, but other paperwork enclosed should clarify.

So basically for more data its the full SAR request if you want to do this.;)

Hope this helps, good luck.