PPI Reclaiming Discussion part 4

di3004

aligerdie wrote: »

I haven't done an SAR, if I was to request this what would it show me? (think I'm getting all confused now!

Hiya hun
I expect our Max shall be back later, but here below is the link for the SAR template letter and this will show what your requesting, hope this helps.
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Give us a yell for more help if required hunni.;)

Di
X

aligerdie

di3004 wrote: »

Hiya hun
I expect our Max shall be back later, but here below is the link for the SAR template letter and this will show what your requesting, hope this helps.
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Give us a yell for more help if required hunni.;)

Di
X

thats great, I'll have a look and see if it makes any sense!
Thank you, as always for your help di, you've helped me no end over the last couple of weeks with my silly questions, and I really appreciate it.

Thank you xx

di3004

aligerdie wrote: »

thats great, I'll have a look and see if it makes any sense!
Thank you, as always for your help di, you've helped me no end over the last couple of weeks with my silly questions, and I really appreciate it.

Thank you xx

Hiya hun

With pleasure and they are not silly questions......:D , your just making sure your doing the right thing which makes sense and learning at the same time, so no worries hun.:A

Di
X

hairdresserA

How did you do it? Thank you so much gumbi for this post you have given me more information than the FOS and FSCS together. Feel so much better now that I have a better understanding of the situation. Very happy lady!:T

gumbi wrote: »

Hot off the press..!!

Have had a long chat with very helpful guy at the FSCS who explained the following:

The current status of Picture Financial is officially PENDING DEFUALT. This means that they are essentailly satisfied that they've gone tits up and can't cover any claims , however they are awaiting a few final procedural boxes to be ticked.

I have had word that there are curently in excess of 600 outstanding claims for missold PPI's sold through Picture and that the FSCS is primed and ready to go once the final Default status has been confirmed.

The delay and confusion has been caused by the 'unique' structure of Picture. The loan arm and insurance arm were actually 2 seperate companies, with the loan arm being little more than brokers which means that the FSCS had to ensure that both entities were investigated in full to make sure there was no chance of any 'phoenix companies' rising from the ashes and getting away scott free!

It great to finally get some concrete info and this is obviuosly good news for all those like myself waiting for this to get sorted. :money:

They have responded to my MP's enquiry and explained that the workload at the FSCS is roughly 10 times that of 18 months ago, hence the delays but I have been assured that they are changing their systems to be more focused on the consumer and make sure that we're all kept informed.

Watch this space if you're dealing with the FSCS!

Hayleybird

Hiya everyone,
I was wondering if you could help me please!
I sent a request for loan agreement details to claim back ppi charges to HSBC & RBS.
This is now over 40 days ago. I have yet to receive a reply from RBS.
On Friday I received a call from HSBC basically saying that they couldnt find any of my details - or loan agreement and suggested that I went away and looked for it myself. I know I do not have a copy of this any longer. They have not formally written to me about this.
Can anyone offer any help? Im a little stuck now as to what to do? Do you think this is just a stalling technique?!
Thank for you help with this it is much appreciated!
Hayles

di3004

Hayleybird wrote: »

Hiya everyone,
I was wondering if you could help me please!
I sent a request for loan agreement details to claim back ppi charges to HSBC & RBS.
This is now over 40 days ago. I have yet to receive a reply from RBS.
On Friday I received a call from HSBC basically saying that they couldnt find any of my details - or loan agreement and suggested that I went away and looked for it myself. I know I do not have a copy of this any longer as once the loan was paid off I shreaded all the details. They have not formally written to me about this.
Can anyone offer any help with this? Im a little stuck now as to what to do? Do you think this is just a stalling technique?!
Thank ro you help with this it is much appreciated!
Hayles

Hi Hayles

Sorry to hear of the messing about you've had.

Did you actually request for SAR (Subject access request) and pay £10 cheque or postal order to cover the request, and of course they have 40 days to comply.
If so did you post by recorded delivery, and if you enclosed the payment - if cheque, have you checked your account to see if they have debited this?

Some companies are more lenient than others and some give the info free of charge but you cannot guarantee this, although if you SAR them with a payment by law they should provide you with the details of the SAR by 40 days of request.

If its just the agreement you require at this point, write to them and enclose a £1 postal order or cheque payment, they have 12 days to supply this to you, again post by recorded delivery, so you have proof of posting.

It you live in England and Wales, they should supply everything going back as far as 6 years, if they still do not comply you can contact the Information Commissioners Office (ICO) explain your situation and they will or should deal with this for you.;)


I am having trouble with the link that normally works for the ICO, will add this anyway, it may just be down, or it may even work for you, keep trying and hopefully it should come up, if not I will re-post when its back on again.
http://www.ico.gov.uk/UnhandledException.aspx?aspxerrorpath=/layouts/default.aspx

I will check it again later, good luck and post up anytime for help.;)

Di
X

amersall

Hayleybird wrote: »

Hiya everyone,
I was wondering if you could help me please!
I sent a request for loan agreement details to claim back ppi charges to HSBC & RBS.
This is now over 40 days ago. I have yet to receive a reply from RBS.
On Friday I received a call from HSBC basically saying that they couldnt find any of my details - or loan agreement and suggested that I went away and looked for it myself. I know I do not have a copy of this any longer. They have not formally written to me about this.
Can anyone offer any help? Im a little stuck now as to what to do? Do you think this is just a stalling technique?!
Thank for you help with this it is much appreciated!
Hayles

i think its disgusting the way some of these companys react, and i am appalled with the response of hbos. do what di says, and then take it all the way with fos, this is just another delaying tactic by the banks. please dont give up, its your money

di3004

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busbyh

hairdresserA wrote: »

How did you do it? Thank you so much gumbi for this post you have given me more information than the FOS and FSCS together. Feel so much better now that I have a better understanding of the situation. Very happy lady!:T

Many thanks for that useful info. I to am waiting on Picture being declared in default.
xxx:T

busbyh

gumbi wrote: »

Hot off the press..!!

Have had a long chat with very helpful guy at the FSCS who explained the following:

The current status of Picture Financial is officially PENDING DEFUALT. This means that they are essentailly satisfied that they've gone tits up and can't cover any claims , however they are awaiting a few final procedural boxes to be ticked.

I have had word that there are curently in excess of 600 outstanding claims for missold PPI's sold through Picture and that the FSCS is primed and ready to go once the final Default status has been confirmed.

The delay and confusion has been caused by the 'unique' structure of Picture. The loan arm and insurance arm were actually 2 seperate companies, with the loan arm being little more than brokers which means that the FSCS had to ensure that both entities were investigated in full to make sure there was no chance of any 'phoenix companies' rising from the ashes and getting away scott free!

It great to finally get some concrete info and this is obviuosly good news for all those like myself waiting for this to get sorted. :money:

They have responded to my MP's enquiry and explained that the workload at the FSCS is roughly 10 times that of 18 months ago, hence the delays but I have been assured that they are changing their systems to be more focused on the consumer and make sure that we're all kept informed.

Watch this space if you're dealing with the FSCS!

Thanks gumbi, this is fantastic news. I have been checking the FSCS site daily. Hopefully it will not be too long now.
xx
:T