PPI Reclaiming Discussion part 4

The_Marksman

cappo wrote: »

Hi guys, good news for a pal of mine,phoned this morning to say an mbna claim been upheld, £4003.00 heading to him within 6 weeks

:rotfl::j:beer: BRILLIANT NEWS, WELL DONE :beer::j:rotfl:

cappo

any other success stories today guys, as said well done to lisa

citibird27

The_Marksman wrote: »

Morning x.

If the CC's are still active then for £1 fee they should send you your t&c's and also statements and your signed agreement that being said that all depends how long ago this was taken out

If you can call into your local branch, they will be able to dig a little deeper and from my own experience have been helpful after a push in the right direction

If these methods fail to be fruitful lol then a SAR will be the next step like you have mentioned

But remember to make a claim you only really need a few details

• Loan account number/ numbers OR CC account number/ numbers
• Start date
• Closing date
• Reason/ Reasons for being mis-sold

hope this helps a little :D

Hi Marksman...Thanks for help, :)I thought that I should have received something with my signature..needed a sense check really.

I have sent off a SAR..need to track down this loan from ages ago, becaue I suspect that it wa loaded with PPI...I really should have kept ALL my paperwork, but never anticipated this at all...


Thanks..am off to write my letters in prep, I am getting better at this!:D x

amersall

lisajaynec wrote: »

Thanks guys I have had my first success today a week after posting my 8 claims !:money:
I have received one rejection so far from Santander-Wallis card which I have posted on to FLA
one letter to say that I need to put in a claim with the two seller for my endownments, so have resubmitted one to Yorkshire Bank, other financial advisor has fallen off the face of the earth and because it was 1990 im not covered by onbudsman!
Another letter yesrerday from HSBC to say they have 16 weeks to deal with my claim and its now logged
But this morning received a letter from Santander who have agreed to repay my premium £425.16, interest £155.29 loss of cash payment £40.70:j :beer:
Thanks so much everyone for your support, i will keep you posted on my progress and anyone that thinks its too much trouble, think again 3 hours it took me and £10 in registered post but already over £600 better off.
Lisa:rotfl:

:j:jBrilliant :beer: good luck with the others x.

amersall

cappo wrote: »

Hi guys, good news for a pal of mine,phoned this morning to say an mbna claim been upheld, £4003.00 heading to him within 6 weeks

:j:j:j:jAnother one bites the dust :beer::money:

cappo

citibird27 wrote: »

Hi Marksman...Thanks for help, :)I thought that I should have received something with my signature..needed a sense check really.

I have sent off a SAR..need to track down this loan from ages ago, becaue I suspect that it wa loaded with PPI...I really should have kept ALL my paperwork, but never anticipated this at all...


Thanks..am off to write my letters in prep, I am getting better at this!:D x

Hi citibird, hope you have better luck with your sar than mine, i refused to sign the request as it is not a requirement under the dpa 1998 act,the bank has asked for more id or a signature that i won't give them (for obvious reasons) i've finally agreed to pick up my sar from our local branch of the bank as the only id i've got now are a birth certificate,i wonder if my credit card statements are in there i've got cards going back to 1992 over 12 years when i was self employed no wonder they don't want to give me details lol.

cappo

amersall wrote: »

:j:j:j:jAnother one bites the dust :beer::money:

Hi ho lorraine, oh yes. i did try to get a "help" commission out of him but he doesnt want to pay lol

grazute

Hello,

I have a question. I received a letter from HSBC regarding my PPI claim for my credit card. But they are offering only for 6 years back, till 2005. I had a card since 2002 and of course I don’t have any statements or agreement left. HSBC says that they acknowledge that I had a credit from 2002, but as they only have to keep them for 6 years, they don’t have statements beyond that time. Is there anything else I can do to find proves of my statements?

Thank you

Derwent

Same thing happened to me but I spoke to the FOS and they suggested that HSBC should apply estimated premiums, based on the average monthly premium, to the years they didn't have records for. I proposed this to HSBC and they accepted the principle and did so.

cappo

grazute wrote: »

Hello,

I have a question. I received a letter from HSBC regarding my PPI claim for my credit card. But they are offering only for 6 years back, till 2005. I had a card since 2002 and of course I don’t have any statements or agreement left. HSBC says that they acknowledge that I had a credit from 2002, but as they only have to keep them for 6 years, they don’t have statements beyond that time. Is there anything else I can do to find proves of my statements?

Thank you

Hsbc seem to be doing this a lot now, i would cca them which will cost you £1.00 for your statements or if you want to check everything over you can sar the bank which will cost you £10.00 the bank will then have to give you all the information they hold on you, inc electronically the bank has 12 days for the cca and 40 days to come up with the sar failure to deal with this would leave the bank open to a breach of the data protection act 1998 link for sar below.:) good luck





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