PPI Reclaiming Discussion Part 5

[Deleted User]

american_bulldog wrote: »

SAR LETTER

Martin, delete those names, addresses and birth dates from your post. That's a very easy way of being the victim of identity theft.

Cap75

Just recieved 4600 from Halifax only phoned 3 weeks ago :j

kenfold

Hi Everyone,

First time I have posted on here so hopefully someone can help. I have had a loan with Natwest since feb 2008 which finishes in 3 years. I remember the gent who sat me down and went through everything including the ppi section. From the off go I did not want ppi, I have very good benefits through my job including injuries on duty protection, full sick pay and death cover. Also if I get injured where I can't perform my duties then I get a full pension and salary etc etc. Due to this I saw no benefits in ppi so I flatly refused to take it. That was over four years ago and my partner has been saying for ages that I should check my loan, I said don't be silly, I remember completely refusing the ppi so there was no way that I would have it. Long story short I checked last week to be mortified to find out that I have been paying for ppi for the whole term of the loan, I couldn't believe it. I have since put a complaint in direct with Natwest(RBS) and got an acknowledgment letter today 30/4/12.


I just wanted to know how they could of still added ppi to my loan? And also does this count as a mis-sell and would i be entitled to claim the money back? Up until last week I was convinced that I didn't have it so I was gutted lol.


Many thanks in advance for any replies :-)


Keith

xyellowx

i phoned black horse regarding a loan i had on a new car, i made last payment about 9 years ago they said without the account no. they couldnt do anything and after 6 years they dont keep them, i phone the halifax and said i had this 4year loan and the d/d had gone from my account but they also said they didnt keep the info after 6 years

1. if i pay for the sar will this prodce the account no.?

2. if so will i have a chance of claiming it back from black horse?

xyellowx

i have reposted above post can anyone please help.

american_bulldog

Moneyineptitude wrote: »

Martin, delete those names, addresses and birth dates from your post. That's a very easy way of being the victim of identity theft.

sorry post edited new to this forum posting and thanks

moneyangel22

Hi,

I bought a car on finance but cannot remember who the finance was with. I want to do a sar request so shall I send it to the garage who sold me the car??
Thanks

[Deleted User]

xyellowx wrote: »

i after 6 years they dont keep them,

This is increasingly the case due to data protection legislation.

xyellowx wrote: »

if i pay for the sar will this prodce the account no.? if so will i have a chance of claiming it back from black horse?

If it does produce the account number, it still won't guarantee a win of course.

[Deleted User]

american_bulldog wrote: »

sorry post edited new to this forum posting and thanks

I still don't know why they were unable to locate you from the details you provided. Are you certain the SAR went to a Bank you have held an account with?;)

[Deleted User]

moneyangel22 wrote: »

shall I send it to the garage who sold me the car??

Only if you can remember which garage it was!;)

I'm kidding; you would send it to the organisation who did the (miss) selling in the first place, not the lender.