PPI Reclaiming Discussion part 4

di3004

I will ask Melorablack to take a look at your posts, hopefully she will be back later, she should be able to give you advice on your case here.;)
To me though they definately have fobbed you off.

di3004

brufferssprouts wrote: »

Any idea if there is a way of getting a list of previous loans etc - i've thrown all trace of previous agreements away but i'm sure i'd be entitled to claim some money back on some of them. I wish i'd known then what i know now......
Thanks in anticipation to any replies - this is my 1st post
D

Hi there and welcome.

I would write to them and request for a copy of your agreement, and enclose a payment of £1 in either postal order or cheque payment, they should supply you with the copy by 12 days.

Remember to also post by recorded delivery.

For even more information you can always request a SAR (Subject access request) however, the payment for this again made by postal order or cheque payment for £10, they have 40 days to comply.

Here is the SAR template with details to follow, good luck.;)
http://forums.moneysavingexpert.com/showthread.html?t=1475553

di3004

Brufferssprouts

Just a thought, I take it then obviously you have no account numbers to add to the template of the SAR.

For them to track your details down, give them as much information as you can, for instance if your address were different when you taken out the finance, your date of birth, also any change of surname, hope this help and sorry I forgot to add this on my above post.;)
This goes for both SAR request, or for just the copy of agreement request X

brufferssprouts

Would i be able to send this SAR to my bank so as i could get all my financial info off them in one go?
Thanks D

di3004

brufferssprouts wrote: »

Would i be able to send this SAR to my bank so as i could get all my financial info off them in one go?
Thanks D

Hi there

Depending on what bank it is, some have separate data depts for these matters, but if you do send to your bank make sure they give you a receipt of some sort, or still post it by recorded delivery to ensure they have received these, this is your proof of posting, you can track down on the Royal mail website.;)

Address link here:
http://forums.moneysavingexpert.com/showthread.html?t=1619943

Hopefully the bank of yours is listed.

pammie39

thanks again,again,and again.
i need to get reading and typing , put all links to my favorites,(dont know how to do anything else except get in debt LOL)..

di3004

pammie39 wrote: »

thanks again,again,and again.
i need to get reading and typing , put all links to my favorites,(dont know how to do anything else except get in debt LOL)..

Bless you Pammie.:A Your very welcome. X

You are not alone.;)

Its a great site for all your needs and you will get help all the way on every thread, they are a great helpful lot.

I wish you luck with all your claims, once you get started, you won't stop lol, you will be fine and not doing anything wrong.;)

I have sent Melorablack a message, hopefully she will be along later to check all this for you.X

pammie39

i will have to read any messages tomorrow night now (early start in morning)...
i'm keeping a tissue company in business at the mo, what with other things and now all this HELP LOL
CHEERS

melorablack

pammie39 wrote: »

i will have to read any messages tomorrow night now (early start in morning)...
i'm keeping a tissue company in business at the mo, what with other things and now all this HELP LOL
CHEERS

Hi Pammie

No company should ever tell you that you can't reclaim mis sold PPI - or that you can't even make an allegation of mis -selling, and they have to conduct an investigation into the sale of the policy, regardless of whether it has been paid off, in arrears, written off or still active and up to date.

I'm thinking maybe they said you couldn't claim because it was paid of because they got the wrong end of the stick and thought you were trying to claim on the ppi, not claim it back if you get what I mean?

Anyway, whatever they thought I would definately have a look at the template letter on this site and see if any of the ideas on there seem to fit your situation. Send a letter to all your creditors for every loan and credit card etc that has had PPI on it and start the process of claiming it back

As everyone on here has said, we can all give you lots of help and advise and good luck! Keep us updated on everything too!

Mel xxxx

di3004

melorablack wrote: »

Hi Pammie

No company should ever tell you that you can't reclaim mis sold PPI - or that you can't even make an allegation of mis -selling, and they have to conduct an investigation into the sale of the policy, regardless of whether it has been paid off, in arrears, written off or still active and up to date.

I'm thinking maybe they said you couldn't claim because it was paid of because they got the wrong end of the stick and thought you were trying to claim on the ppi, not claim it back if you get what I mean?

Anyway, whatever they thought I would definately have a look at the template letter on this site and see if any of the ideas on there seem to fit your situation. Send a letter to all your creditors for every loan and credit card etc that has had PPI on it and start the process of claiming it back

As everyone on here has said, we can all give you lots of help and advise and good luck! Keep us updated on everything too!

Mel xxxx

Mel thanks for posting up.

Funny how you should say that about them getting the wrong end of the stick, was reading over Pammie's post again just now and that had come to my mind as well, because they are making a point "there is nothing left to claim" because its all paid for anyway....

So Pammie like Melorablack says, get that letter in, good luck.:D;)