PPI Reclaiming Discussion part 4

amersall

davesnapeuk wrote: »

Using the template letter from MSE I sent off to Egg asking for the original paperwork for my previous loan from 2006 and a subsequent top up loan. I know the account number of the original loan but not of teh top-up loan. Here's their response:

Thankyou for your recent request for an executed copy of the credit agreement account number ******** with egg Banking PLC under section 77(1) of the Consumer Credit Act.
As the account you refer to is now closed I have to inform you that Egg are under no obligation to comply with a request for a copy of the executed agreement under the Consumer Credit Act as we no longer have a contractual relationship relating to this account, nor are we seeking to enforce any agreement on the account.
The right to be provided with this information from Egg Banking Plc ended with the closure of this account.

As Egg are not willing to give me any information relating to the original loan, or even give me details of the 2nd loan for which I have no paperwork or account number to hand, where do I go now?

Thanks

Send a complaint in for the first loan,you have the account number,then send a request for all info they hold on you,this will cost £10 and should throw both loans up.
When you put the claim in for the first loan just mention that this was paid off and refinanced,they may find it and it will save you £10.

amersall

housethatjack wrote: »

hi .. first time post .. i,m looking for a bit of advice .. just got a letter of barclaycard knocking me back on my ppi claim .
this was from a credit card i took out in 1995 that is still live today (the reason i claimed is they sent me a letter ending the ppi and included a phone number to make a claim ) .. letter basicly says i wasent missold ( i was ) and goes on to say the following

" this communication should be viewed as our final response in relation to this matter , and i have to inform you that as the date of this sale was before barclays became signatories to the general insurance standards council code of practice ( on the 21 november 2001 ) : i regret that your complaint is not eligible for referral to the FOS "

my question is , does this mean theres nothing else i can do about this claim ?
and secondly , is this the stance all banks will take , regardless of wether you were missold or not ?.. thanks

Take this to FOS and enclose a copy of the letter Barclays sent you,if you have any statements showing you paid ppi then copies of these will help you,look here for reasons for mis sell and if any/all apply to you,put a claim in.
http://www.moneysavingexpert.com/reclaim/ppi-credit-card-insurance#step2

kima09

Wasn't sure if my last post was visible, as I couldn't see it, so please forgive me if I'm repeating myself here! My claim has been upheld, and they said that if i had statements going back further than the 6 years they've calculated from, then they would consider those too.
Well, I've found some statements that do go back to several years before the date they started their calculations ('05) that I could send them - is it worth me doing that, has anyone else done this?
How would they then calculate a new figure & how long would it take? Bearing in mind its not a complete set of statements, just some here & there.....
And if I sent a SAR would they have the records of all my previous statements lurking somewhere in the bowels of their offices?
Thanks again to all.....couldn't have got this done without you!!

amersall

Gracelands0 wrote: »

Hi - I'm new to the forum and would welcome some advice on reclaiming PPI.

I have successfully re-claimed from Egg in the past which was relatively easy but this was helped by the fact that I had all the details of the credit agreement. However I have since attempted to reclaim for my son in law who has taken out quite a number of loans over the last few years, but unfortunately does not have any information relating to these and as such is unsure whether there was any PPI taken out at the time. After following the PPI reclaiming guide I've got a copy of his credit history and sent the initial template letter requesting a copy of the agreements. All of the loans have now been settled but were still active within the last 6 years, but many of the responses received to date are quoting the fact that Section 78 of the Consumer Credit Act only applies during the lifetime of the agreement and as the accounts are now closed there is no longer a regulated agreement in place and are therefore refusing to provide any details. As I am uncertain whether there was any PPI on any of the accounts should I challenge this or give up without a fight?

Sorry your post was missed,they are moving at such a pace at the moment it is hard to keep up.:D


Did you pay £1 or £10 to get information?.
If you did the £1 then you need to write back and ask for all info they hold on you,this will cost £10 per bank but will be worth it if they find the info you need.

chris-norfolk

Hi all, sorry another newby, i discovered recently that i have been paying £10.80 per month for ppi on my current account since the begining of time or at least for the last 30 or so years, i have tried to claim it back (on the grounds i have been self employed for over 20 years untill i retired in 2003 and have a major heart problem which would make any claim impossible) and have just received a letter from them saying (unfortunately due to the length of time since i commenced my insurance before they became members of gisc 20th nov 2001 they are unable to retrieve any details of ppi charges made to the account. the result is not to uphold the complaint.
also this is their final response to the matter and they regret that my complaint is not eligble for referral to the FOS)
So i have just spoken to a very helpfull guy at the FOS who informed me that the letter is incorrect and to complain to them via the complaint form, aparently they were governed by another body prior to 2001.
so dont be put off by Barclays response

amersall

kima09 wrote: »

Wasn't sure if my last post was visible, as I couldn't see it, so please forgive me if I'm repeating myself here! My claim has been upheld, and they said that if i had statements going back further than the 6 years they've calculated from, then they would consider those too.
Well, I've found some statements that do go back to several years before the date they started their calculations ('05) that I could send them - is it worth me doing that, has anyone else done this?
How would they then calculate a new figure & how long would it take? Bearing in mind its not a complete set of statements, just some here & there.....
And if I sent a SAR would they have the records of all my previous statements lurking somewhere in the bowels of their offices?
Thanks again to all.....couldn't have got this done without you!!

Send copies of what you have, cant say how this will affect your claim,they may pay you what they owe now and when they have checked your statements will offer you more.
You could SAR but this may not throw all statements up,so if you think it is worth it then go for it.

amersall

Lloyds have severe financial problems, basically they are bust

Do you know this for fact?,and if you do please share where you got this info from.

kima09

amersall wrote: »

Send copies of what you have, cant say how this will affect your claim,they may pay you what they owe now and when they have checked your statements will offer you more.
You could SAR but this may not throw all statements up,so if you think it is worth it then go for it.

Yes I wondered about that.....the acceptance letter says.....'in full and final settlement of' etc.....so I think I'll keep wading thru the paperwork & see what else I come up with, if its a decent amount. I don't mean to be greedy, just that if I'm entitled to it, I might as well have as much of it as I can get, & there's another 10 years prior to when they started their calculations - which could actually add up to a fair amount, if the size of the current offer is anything to go by.

I don't know what a SAR would consist of, i.e. what info it throws up, could anyone shed any light please? Just trying to decide if it would be worth the wait or not!

Thanks guys!

cappo

kima09 wrote: »

Yes I wondered about that.....the acceptance letter says.....'in full and final settlement of' etc.....so I think I'll keep wading thru the paperwork & see what else I come up with, if its a decent amount. I don't mean to be greedy, just that if I'm entitled to it, I might as well have as much of it as I can get, & there's another 10 years prior to when they started their calculations - which could actually add up to a fair amount, if the size of the current offer is anything to go by.

I don't know what a SAR would consist of, i.e. what info it throws up, could anyone shed any light please? Just trying to decide if it would be worth the wait or not!

Thanks guys!

Hi kima i don't blame you for wanting what is yours, as to the sar it depends on the bank and how far they go back, i was expecting pages and pages of stuff as i put in a advanced sar request all i got were a few screenshots and an account history, no statements of any sort but i did get a lead on two credit card account numbers and a loan (LTSB). good luck with this.

kima09

cappo wrote: »

Hi kima i don't blame you for wanting what is yours, as to the sar it depends on the bank and how far they go back, i was expecting pages and pages of stuff as i put in a advanced sar request all i got were a few screenshots and an account history, no statements of any sort but i did get a lead on two credit card account numbers and a loan. good luck with this.

Hi Cappo its hsbc, credit card, goes back 16 years but they say they only hold records for 6 years - despite being able to give me a figure relating to a successful ppi sickness claim in 1997. (someone did say that the details from that might have been kept tho.)
Just not sure what to do.....if i knew for sure that a SAR would kick up the CC info for the previous years, I'd go for it for sure.