PPI Reclaiming Discussion part 4

conkerlily123

Hi Ned,
I posted mine 15 weeks ago to First Plus. They replied quite quickly saying that they would investigate the matter. Then they said we would have to wait 8 weeks for a decision, this was than extended to 16 weeks.

I have phoned them numerous times although they will not give any information on the case, other than to say that we will hear from them by the 16 week deadline.

So in short, expect a long wait!

Good Luck with your claim

LynK_3

As many of you know from previous posts I am having a lot of trouble with Santander, not havin the best of days so I just emailed the CEO to express my disgust at his organisation. What do you think, I've calmed down now and hope I haven't laid it on to thick!!

1st September 2011.


Dear Sir,

I apologise for emailing you as I appreciate you are a very busy man, but feel compelled to do so because of the what I view of very shoddy treatment by your company to myself in relation to 2 complaints about the misselling of Personal Protection Insuarance and the susequent refused request for a Subject Access Request.

I originally complained to Santander regarding the misselling of PPI on a Store Card at the beginning of June after initially being told by your company that I never had the insurance despite statements clearly showing the monthly payment. Santander replied on the 5th July Ref; xxxxxxxx apologising for supplying me with incorrect information and as a gesture of goodwill promised to send me a cheque for £30 within 10 - 14 days. Almost two months later and despite emailing Santander on 19th July and again telephoning on Monday 22nd August the cheque has still not arrived. Whilst I appreciate that £30 is not a huge amount of money, I feel quite aggrieved that I still have not recieved it.

The other complaint to your company was made in writing on the 14th June regarding an Alliance and Leicester Credit Card PPI. A/C no. xxxxxxxx later changed by A&L to xxxxxxx. I recieved no reply to this letter and assumed wrongly, when I made further enquiries that this was because this card had been subsequently obtained by MBNA. I complained to MBNA mid July and my complaint was upheld and cheque recieved within a matter of days. I have outlined the figures below.

PPI Premiums since transfer of account £249.68
Interest Associated with PPI premiums £193.29
8% £97.36 Total £540.33.

MBNA further stated in their response that they were not responsible for premiums charged to my account before being transferred and would liase with Santander. On receipt of this from MBNA I called Santander on Wednesday 10th August, and spoke to a gentleman who took my details and told me I would receive confirmation that the complaint had been logged within 5 working days. The confirmation never came so I again called you complany on Thursday 18th August and spoke to a gentleman who advised me there was no record of my complaint and it had not been logged, he recommended that I posted it and I duly sent it that day addressed to Mr Dan Richards, Manager, PPI Complaints Team, in Milton Keynes. I telephoned yesterday to enquire as to the progress of my complaint to find it still hadn't been logged. The gentleman I spoke to was called Ian, and he took all my details (Again!), and assured me he had logged it, may I add that Ian was very pleasant and a pleasure to deal with. So perhaps after 3 months of letters and non logged phone calls perhaps my complaint can be looked at, as someone who works with public extensively myself I would be appalled if any of our clients were treated with such flippant disregard.

As I know I have had loans with Santander and Alliance and Leicester over the years but do not have the relevant paperwork I sent a SAR request to Santander on 18th July 2011, along with a cheque for £20 as many accounts would be in both myself and my husbands names. The cheque was returned to me on 28th July in an unmarked envelope along with my cheque with no covering letter, no explanation, nothing. I telephoned Santander on 4th August and enquired as to where I should send a SAR, to my amazement the lady on the phone did not know what a SAR was and I had to explain it to her. After holding for several minutes on the telephone she advised me to send it to Bradford which I duly did only to have it returned to me on 18th August, with a letter advising me that

*In accordance with the Consumer Credit Act 1974, a statutory fee of £1.00 is payable per agreement.

It was a Subject Access Request which by law you are required to adhere to, I was not requesting one agreement, I was requesting everything held on file in relation to myself by your company. Rather strangely on my letter there is several stamps from your company eg; PBMS BFD 08 Aug 2011, Transactions 16 Aug 2011 but in hand writing in blue pen someone has written Too Much, so were they implying I had too much information on file for it to be sent to me? I telephoned AGAIN Santander and enquired why it had been returned to me, only to be advised that I would need to send a SAR request and a £10 fee to each of the Santander departments eg Credit Cards, loans etc. After making enquiries to ICO I have been told that categorically I followed the correct procedure to obtain my records held by your company and the £20 was the only fee that I was required to pay, you do not have to send separate requests and amount to the various departments.

As a long standing customer of Santander I feel genuinely very angry and let down by the treatment of Santander to myself, it would appear that staff within your organisation do not know or simply can't be bothered to deal with relatively simple requests from customers, and for a member of such a large banking organisation not to know what a SAR is is almost laughable if it wasn't so ironic.

I expect a reply from Santander within 14 days with your response to the matters I have raised.

majors

majors wrote: »

Thanks. I got told in the letter that the insurer was Midland & General Ltd. Now need to find an address. Its worth a shot.

Not posted on here for a while, finding out addresses etc. Got in touch with Midland and General. They were not helpful at all. Told me to go back to Paragon Finance. They were not helpful and said it was Midland and General who dealt with the PPI claim that we were paying at £48.97 per month over 5 years on a loan of £10k. Fed up with this now and posted my letter to the FSA last week. Does anybody know how long I will be waiting for a reply?

oggie1

Hi I to had a loan with Alliance and Leicester so sent a SAR to Santander.I had mine sent back with a letter asking The Santander account nunber.I have not got the A&A account number the reason for the SAR.Do I send it back with a letter asking for the account number for the loan from A&A.I Did say in my SAR it was fro a A&A loan.Thanks All oggie

di3004

Excuse my absence this afternoon folks, as one of my best mates mum passed away, so I will do my best to help out as I go along. x;)

di3004

Justwantmymoneyback wrote: »

Hi - apologies if I have asked this in the wrong way or the wrong place! I am new to this. Here is my situation

I have an offer letter from my PPI provider - its all agreed and will be refunded by cheque

The PPI was for a loan given to me by a Subsidery of NatWest Bank

I do not have a bank account with NWB - plus the loan has been paid off

I do however have a credit card with NWB (With NatWest and not the Subsidery company)

Can my PPI refund be given, from the Subsidery company to Natwest? As in will they talk to each other, or would they be run as seperate entities?

Hope someone can put my mind at rest - thanks

Hi and welcome

I am not too sure about this to be honest, but do you mean if you have an account with a related company that they may refund your compensation to the other account?

Sorry if I got this completely wrong.
I understand though if they were to do this then they must confirm in writing, so the PPI, plus interest should therefore be paid directly to you.

Hopefully though someone will know more on this and post up soon, well done on your win! :beer:

di3004

Derwent wrote: »

Just had my first failure. RBS agree that I had a credit card with them (well, NatWest) from 12th September 1995 which was closed in March 2003. However, they say they only have transaction records from January 2003 - so only 2 months worth of the 90 months I had the card.

They can see the card opening date on their system, and that I had a PPI policy on it, but without the transaction records they can't do anything. I'm not sure where I go from here with it, anyone got any ideas ? I have the original copy of the PPI policy but it seems that doesn't help at all.

Hiya

That is so annoying isn't it?

Did you SAR them as well for all the data they "may" still hold on the account?

Strangely someone had tried to get hold of their data and they stated they no longer held them (different bank I think it was) but when complained to the FOS the bank suddenly sent the data/info.

If you've not SAR'd them, I know its a chance your taking, but you could send this request to the data dept, they have 40 calendar days to comply, and hopefully data will be enclosed as from even prior to 2003, as said though its a chance to take if you want to.;)

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

di3004

Degs45 wrote: »

Hi All
I had a letter from the Halifax in June saying that the PPI that I had on a credit card may have been missold after they refused to pay out after I had a long spell off work. In the letter they said it may have been possible to make a retrospective claim due to the fact it wasnt explained correctly to me.
After a few weeks they tried to explain that they were not going to pay out as there was no outstanding balance on the card. So I told them I was making a complaint and went through all the form filling over the phone.
Just spent 15 minutes on hold only to be told that they are still looking into it and they have until 11th of october 16 weeks since original letter.
This better be worth it as I am once again off work due to an operation .
Thanks for listerning to my moans

Hi there
Good for you too.

However, as from today its no longer 16 weeks, it should be 12 weeks, so I would let them know that as well, tell them on the FSA website it states 12 weeks now and the 16 weeks extra time was up on the 31 August 2011.
I take it it was today you contacted them?

Hope you feel better soon.
Good luck x;)

di3004

ned_nederlander wrote: »

Hi Chaps - Thanks for all the previous advice...


I sent a recorded delivery letter to First Plus this morning to set the ball rolling on reclaimimg my PPI - what can I expect to happen next ?

Hi there

You should receive within a week or 2 the confirmation letter, and this letter should also confirm they have 12 weeks, they usual was 8 weeks, and until yesterday the FSA given some banks etc 16 weeks to give a decision. It will be going back to 8 weeks after October.

Good luck on your reclaiming.:)

di3004

LynK wrote: »

As many of you know from previous posts I am having a lot of trouble with Santander, not havin the best of days so I just emailed the CEO to express my disgust at his organisation. What do you think, I've calmed down now and hope I haven't laid it on to thick!!

1st September 2011.


Dear Sir,

I apologise for emailing you as I appreciate you are a very busy man, but feel compelled to do so because of the what I view of very shoddy treatment by your company to myself in relation to 2 complaints about the misselling of Personal Protection Insuarance and the susequent refused request for a Subject Access Request.

I originally complained to Santander regarding the misselling of PPI on a Store Card at the beginning of June after initially being told by your company that I never had the insurance despite statements clearly showing the monthly payment. Santander replied on the 5th July Ref; xxxxxxxx apologising for supplying me with incorrect information and as a gesture of goodwill promised to send me a cheque for £30 within 10 - 14 days. Almost two months later and despite emailing Santander on 19th July and again telephoning on Monday 22nd August the cheque has still not arrived. Whilst I appreciate that £30 is not a huge amount of money, I feel quite aggrieved that I still have not recieved it.

The other complaint to your company was made in writing on the 14th June regarding an Alliance and Leicester Credit Card PPI. A/C no. xxxxxxxx later changed by A&L to xxxxxxx. I recieved no reply to this letter and assumed wrongly, when I made further enquiries that this was because this card had been subsequently obtained by MBNA. I complained to MBNA mid July and my complaint was upheld and cheque recieved within a matter of days. I have outlined the figures below.

PPI Premiums since transfer of account £249.68
Interest Associated with PPI premiums £193.29
8% £97.36 Total £540.33.

MBNA further stated in their response that they were not responsible for premiums charged to my account before being transferred and would liase with Santander. On receipt of this from MBNA I called Santander on Wednesday 10th August, and spoke to a gentleman who took my details and told me I would receive confirmation that the complaint had been logged within 5 working days. The confirmation never came so I again called you complany on Thursday 18th August and spoke to a gentleman who advised me there was no record of my complaint and it had not been logged, he recommended that I posted it and I duly sent it that day addressed to Mr Dan Richards, Manager, PPI Complaints Team, in Milton Keynes. I telephoned yesterday to enquire as to the progress of my complaint to find it still hadn't been logged. The gentleman I spoke to was called Ian, and he took all my details (Again!), and assured me he had logged it, may I add that Ian was very pleasant and a pleasure to deal with. So perhaps after 3 months of letters and non logged phone calls perhaps my complaint can be looked at, as someone who works with public extensively myself I would be appalled if any of our clients were treated with such flippant disregard.

As I know I have had loans with Santander and Alliance and Leicester over the years but do not have the relevant paperwork I sent a SAR request to Santander on 18th July 2011, along with a cheque for £20 as many accounts would be in both myself and my husbands names. The cheque was returned to me on 28th July in an unmarked envelope along with my cheque with no covering letter, no explanation, nothing. I telephoned Santander on 4th August and enquired as to where I should send a SAR, to my amazement the lady on the phone did not know what a SAR was and I had to explain it to her. After holding for several minutes on the telephone she advised me to send it to Bradford which I duly did only to have it returned to me on 18th August, with a letter advising me that

*In accordance with the Consumer Credit Act 1974, a statutory fee of £1.00 is payable per agreement.

It was a Subject Access Request which by law you are required to adhere to, I was not requesting one agreement, I was requesting everything held on file in relation to myself by your company. Rather strangely on my letter there is several stamps from your company eg; PBMS BFD 08 Aug 2011, Transactions 16 Aug 2011 but in hand writing in blue pen someone has written Too Much, so were they implying I had too much information on file for it to be sent to me? I telephoned AGAIN Santander and enquired why it had been returned to me, only to be advised that I would need to send a SAR request and a £10 fee to each of the Santander departments eg Credit Cards, loans etc. After making enquiries to ICO I have been told that categorically I followed the correct procedure to obtain my records held by your company and the £20 was the only fee that I was required to pay, you do not have to send separate requests and amount to the various departments.

As a long standing customer of Santander I feel genuinely very angry and let down by the treatment of Santander to myself, it would appear that staff within your organisation do not know or simply can't be bothered to deal with relatively simple requests from customers, and for a member of such a large banking organisation not to know what a SAR is is almost laughable if it wasn't so ironic.

I expect a reply from Santander within 14 days with your response to the matters I have raised.

Absolutely fab!:T:T

A great letter and I have a good feeling this will help your case.

However, if you've not sent the letter off quite yet, I would add that you will also be considering making a complaint to the Information Commissioners Office (ICO) in regards of the SAR. (Still I think what you have wrote is fab), well done and fingers crossed xx;)