PPI Reclaiming Discussion part 4

cappo

sunny8 wrote: »

The successes and failures i think :oxx

I still can't find it sunny maybe one of you guys will put a link up here so i can have a peek.steve

cappo

Oh well usual old bull with LTSB today still saying they have no trace on the paperwork for the credit cards, lol what rotters eh, haven't got anywhere so now luckily that i've got the account numbers will put a questionaire in on a fos complaint form, at least they will have to look a bit harder then for the agreements, no ppi pah.

smitchy73

Derwent wrote: »

I've recently tried a little experiment with RBS that proves this point entirely.

I phoned them about an old loan account and gave the account number and PPI policy number. They said they'd look into it for me.

A few days later they contacted me to say that they had no record of this loan and therefore couldn't investigate.

"No problem", said I, "I have the original copy of the documentation here so I'll scan it and email it to you".

So I scanned it but deliberately blurred it a bit so some of the numbers were hard to read. I put a note on the email slightly misstating on the high side some of the blurred numbers 'for clarification'.

Lo and behold, I got a response from RBS saying that the numbers I'd quoted were incorrect and should in fact be X, Y and Z.

"How do you know", I replied, "as you have no record of the original loan according to your letter of response to me. If you have no record then how can you know the figures stated by me are wrong ?"

"Ah", they said, "we have now managed to trace the original documents in our archive".

"So", I said, "you did have them all along but you just couldn't be ar5ed to look for them and thought you'd fob me off. I wonder what the FOS would make of that ?"

They have now upheld my complaint in just 6 days :rotfl:

Brilliant Derwent, I think I would be making a complaint to the ICO once you've got your money lodged in the bank of course.
Just goes to show you what we all already know, thieving, robbing, mask wearing bandits, and we're supposed to turn in folk who rob them, no chance their worse than any thief, we're supposed to be able to trust them.

cappo

smitchy73 wrote: »

Brilliant Derwent, I think I would be making a complaint to the ICO once you've got your money lodged in the bank of course.
Just goes to show you what we all already know, thieving, robbing, mask wearing bandits, and we're supposed to turn in folk who rob them, no chance their worse than any thief, we're supposed to be able to trust them.

Ha ha you've got that one right smitch

smitchy73

annmarie_b wrote: »

hi there
I first read about this website in April this year and, I downloaded the template letters and sent them off to RBS for 5 loans in May this year and have been given a refund (goodwill gesture) of £12,000 which will be paid in to my partners account in 28 working days so a big thankyou to everyone involved.
its just a shame that I have to wait another 28 working days to be able to spend it.

:j:jWell done, just don't spend it all at once. May I ask for more details about your loan -when they were taken and for how much, and if they were used to refinance each other? I have 5 rbs loan ppi complaints in also, just waiting to hear final decision in next few weeks.:D

smitchy73

cappo wrote: »

which thread sunny?

Post 21216, on the Succeses and failures thread.:D

MrsShazbat

cappo wrote: »

You'd think that with all the complaints about cap 1 now karen the fos would be taking notice, cap 1 do this rejection thing all the time.

One thing I noticed on the paperwork and mentioned elsewhere in the thread, is that they ask for a PPI policy number. I know for a fact I've never had an actual 'policy' in the way you have one for the car or house. I just hope that by completing the FOS form (again) in writing, I haven't done myself over as I know it won't read the same as the ones I've filled in before, probably because I've had more time to think back about things.

For about 5 years, the limit on the card was only £200 and genuinely for contingency such as my car or whatever (although she's such a good little runner she never costs me much!), but then in the last couple of years they've started upping my credit limit as well, particularly in the last year or so.

sunny8_2

Good luck to everyone today

Just thought i would update you with an email i have just sent to the CEO of Clydesdale Bank due to them upholding 1 of my loans but not the other 3 due to the banks retention policy ( my account has been closed since the branch closed in 2006)....here goes..

"Good Morning.

I refer to my on going complaint with regards to reclaiming PPI on previous loans that were held with your company.

As you will be aware from previous correspondence, i have had several rolling loans with yourselves, however due to the retention policy that you have to legally adhere to, you claim to have no information held on file which identifies these loans and/or the PPI that was applied to them. You are currently upholding one of the several loans i undertook from your corporation, however, are unable to uphold the other loans - to which were all rolling loans due to having lack of information regarding these loans.

I am aware that you need to have this information to discover the details of the finance/ppi but my concern is the issue with the retention of my documents and non despondent request for previous, personal data.

As from previous correspondence you will be conscious that i have forwarded a DSAR to yourselves to try and obtain this information. I received my returned DSAR yesterday that states under the Data Protection Act 1998 you are unable to locate my documents as these have been destroyed. However, when the DSAR was returned there were no details/dates of any destruction/certificate of destruction relating my details, or, any data signed and/or certified from the data security officer that should have been bestowed to me to officially state that my personal data has been officially destroyed.

As i have worked within the NHS for several years i am knowledgeable with relevant legislation with regards to record keeping/data protection and freedom of information as these are guidelines that i have to adhere to myself, therefore, i am conscious of your retention policy that was legalized in January 2005 by the FSA in regards to record keeping and storage/destruction of data. However, i am also aware that documents are not destroyed once the 6 years retention is completed as they are stored in a centralized location. However, i am also aware that it is your discretion as to how long you keep the data, post 6 years. This has been clarified on several telephone calls with your customer service representatives, as i have called several times over the last two weeks to elucidate location and/or time limitations of stored data post retention period.

As stated previously, i have been advised by the PPI team that if i possessed the original agreements/account numbers, you would be able to deal with this issue, so, therefore if i provided you with the relevant account numbers, you would be able to locate this data immediately, therefore this proves that there must still be my personal data on file.


Your staff; Carol Craig & Gina Arthur -to which have been dealing with my case, have been most amiable, obliging and cooperative, and, i do appreciate the time that has been undertook to look in to my complaint.

I have contacted the ICO and FSA to gain advice with regards to my complaint who have advised me to speak with you again in regards to obtaining this information and you solving the issue by addressing all my previous loans. I am defiant that ALL finance was taken in consistent and identical situation. I personally have statements to prove monthly repayments that were made from my current account to my loan accounts, therefore, you MUST be able to retrieve this information as this is what i was provided with on the last request for information from yourselves some time ago.


The FSA Handbook produces guidance and regulations to which financial business's adhere to. I have been advised about guidance which states:

3.2.7.G: The firm should consider all of its sales of payment protection contracts to the complainant in respect of re-financed loans that were rolled up into the loan covered by the payment protection contract that is the subject of the complaint. The firm should consider the cumulative financial impact on the complainant of any previous breaches or failings in those sales.

3.3.3 G: The firm should recognise that oral evidence may be sufficient evidence and not dismiss evidence from the complainant solely because it is not supported by documentary proof. The firm should take account of a complainant's limited ability fully to articulate his complaint or to explain his actions or decisions made at the time of the sale

3.3.8 G: The firm should not draw a negative inference from a complainant not having kept documentation relating to the purchase of thepolicy for any particular period of time.

I request that you kindly reconsider your position and re-evaluate my situation and/or provide me with appropriate information that legally informs me of destruction of my personal data.

I look forward to hearing from you shortly."

What do you guys think :think: xx

sunny8_2

cappo wrote: »

Oh well usual old bull with LTSB today still saying they have no trace on the paperwork for the credit cards, lol what rotters eh, haven't got anywhere so now luckily that i've got the account numbers will put a questionaire in on a fos complaint form, at least they will have to look a bit harder then for the agreements, no ppi pah.

You will do it hunny :money::money:xx

sunny8_2

sunny8 wrote: »

Good luck to everyone today

Just thought i would update you with an email i have just sent to the CEO of Clydesdale Bank due to them upholding 1 of my loans but not the other 3 due to the banks retention policy ( my account has been closed since the branch closed in 2006)....here goes..

"Good Morning.

I refer to my on going complaint with regards to reclaiming PPI on previous loans that were held with your company.

As you will be aware from previous correspondence, i have had several rolling loans with yourselves, however due to the retention policy that you have to legally adhere to, you claim to have no information held on file which identifies these loans and/or the PPI that was applied to them. You are currently upholding one of the several loans i undertook from your corporation, however, are unable to uphold the other loans - to which were all rolling loans due to having lack of information regarding these loans.

I am aware that you need to have this information to discover the details of the finance/ppi but my concern is the issue with the retention of my documents and non despondent request for previous, personal data.

As from previous correspondence you will be conscious that i have forwarded a DSAR to yourselves to try and obtain this information. I received my returned DSAR yesterday that states under the Data Protection Act 1998 you are unable to locate my documents as these have been destroyed. However, when the DSAR was returned there were no details/dates of any destruction/certificate of destruction relating my details, or, any data signed and/or certified from the data security officer that should have been bestowed to me to officially state that my personal data has been officially destroyed.

As i have worked within the NHS for several years i am knowledgeable with relevant legislation with regards to record keeping/data protection and freedom of information as these are guidelines that i have to adhere to myself, therefore, i am conscious of your retention policy that was legalized in January 2005 by the FSA in regards to record keeping and storage/destruction of data. However, i am also aware that documents are not destroyed once the 6 years retention is completed as they are stored in a centralized location. However, i am also aware that it is your discretion as to how long you keep the data, post 6 years. This has been clarified on several telephone calls with your customer service representatives, as i have called several times over the last two weeks to elucidate location and/or time limitations of stored data post retention period.

As stated previously, i have been advised by the PPI team that if i possessed the original agreements/account numbers, you would be able to deal with this issue, so, therefore if i provided you with the relevant account numbers, you would be able to locate this data immediately, therefore this proves that there must still be my personal data on file.


Your staff; Carol Craig & Gina Arthur -to which have been dealing with my case, have been most amiable, obliging and cooperative, and, i do appreciate the time that has been undertook to look in to my complaint.

I have contacted the ICO and FSA to gain advice with regards to my complaint who have advised me to speak with you again in regards to obtaining this information and you solving the issue by addressing all my previous loans. I am defiant that ALL finance was taken in consistent and identical situation. I personally have statements to prove monthly repayments that were made from my current account to my loan accounts, therefore, you MUST be able to retrieve this information as this is what i was provided with on the last request for information from yourselves some time ago.


The FSA Handbook produces guidance and regulations to which financial business's adhere to. I have been advised about guidance which states:

3.2.7.G: The firm should consider all of its sales of payment protection contracts to the complainant in respect of re-financed loans that were rolled up into the loan covered by the payment protection contract that is the subject of the complaint. The firm should consider the cumulative financial impact on the complainant of any previous breaches or failings in those sales.

3.3.3 G: The firm should recognise that oral evidence may be sufficient evidence and not dismiss evidence from the complainant solely because it is not supported by documentary proof. The firm should take account of a complainant's limited ability fully to articulate his complaint or to explain his actions or decisions made at the time of the sale

3.3.8 G: The firm should not draw a negative inference from a complainant not having kept documentation relating to the purchase of thepolicy for any particular period of time.

I request that you kindly reconsider your position and re-evaluate my situation and/or provide me with appropriate information that legally informs me of destruction of my personal data.

I look forward to hearing from you shortly."

What do you guys think :think: xx

Well guys, just had a telephone call from carol to state that my final response will be in the post and they have no data what so ever of my other loans , therefore brick wall:mad::mad: xx