PPI Reclaiming Discussion Part 5

amersall

Mushisushi wrote: »

When it says on the offer letter;

"My investigations into your complaint has identified other loans where you had purchased PPI, that were paid off (refinanced) before the end of their term by a subsequent loan"

Am I being told there is more I can claim for? my first claimed for loan was dated 2003 and I am pretty sure I had other loans before that, that probably involved PPI.

This means they will check these as they look at a loan that was used to pay a previous one, these amounts could be in one of the payments you have received, you need a breakdown of what they have actually paid you and for what loans.

amersall

the_devil_made_me_do_it wrote: »

Can anyone tell me how back you can go in order to a possibility of putting in a claim?

This depends on the bank, some on this site, me included, have won mis sell with loans from the 90s.

amersall

haydnlea wrote: »

hi all, i have just reclaimed £13,233 pounds back for my mother and £15,401 pounds back for my father on loans they had with TSB, these loans had been refinanced so TSB paid back any money owed since august 2001. my quetions if anybody can help are: my mother and father have been retired for three years so do they still have to pay tax on the 8% interest paid back? also there is is an excess balance and interest payment paid back with the settlement so do they have to pay tax back on that also? many thanks to anyone who can give me advice on these matters as i just want to be armed with information when i go to the tax office with them and not be.

I have answered your question here
https://forums.moneysavingexpert.com/discussion/comment/53095663#Comment_53095663

Mushisushi

amersall wrote: »

This means they will check these as they look at a loan that was used to pay a previous one, these amounts could be in one of the payments you have received, you need a breakdown of what they have actually paid you and for what loans.

I've got the break downs for the 5 loans I have queried andall the figures marry up with the ones I have so far been paid, or offered, andas stated the first one was from 2003. I am pretty sure I had other loans priorto this that were also refinanced. Would they investigate them without mespecifically giving them the loan account numbers, or do I need to actuallymake a claim on those. I have no details of these loans (but did of the other5). Should I do a SAR to find out? or should i sit back and enjoy what i've got so far and not rock the boat anymore?

EvilScotsman

Hi all,

I'm looking for some advice please.

I took out a loan with Sainsbury's Finance in 2004 for £6000. It was settled on 28/04/06. I don't know if PPI was sold as part of the agreement, and since it was a few years back I no longer have the paperwork so don't have an account number. I wrote to Sainsbury's requesting a copy of the original T&C, and they replied and said they couldn't locate my agreement. They requested more information and I wrote back with my address history, which they then had in addition to my full name and date of birth. I also confirmed the loan amount, commencement and settlement dates.

Today I received a letter and it's a repeat of the previous one. I find it hard to believe they are unable to locate my agreement. They have also accidentally included a copy of another customer's letter, which includes his full name, address, date of birth and bank details, so they've breached the Data Protection Act too.

What do you think I should do? Wait a couple of weeks so the 8 week time frame has elapsed and contact the Ombudsman?

Thanks,
Derek

amersall

Mushisushi wrote: »

I've got the break downs for the 5 loans I have queried andall the figures marry up with the ones I have so far been paid, or offered, andas stated the first one was from 2003. I am pretty sure I had other loans priorto this that were also refinanced. Would they investigate them without mespecifically giving them the loan account numbers, or do I need to actuallymake a claim on those. I have no details of these loans (but did of the other5). Should I do a SAR to find out? or should i sit back and enjoy what i've got so far and not rock the boat anymore?

Give them a ring and ask, if there are other loans that you could claim for, it is best you know, the only way to find this out is to ring them.
The wording to me seems to be that they found consolidations loans when looking at the loans you put the claim in for and have redressed, I think this may be the case, unless you had more loans prior to 2003, paid them off and then started the consolidation of the 5 loans from that point.
They have to look at all the loans you have had with them, it is possible you have more to come, but it is best to get it from the horses mouth, so to speak

If they have no more to redress and you know that you did have more, then do the Sar, but wait until you have got the money in your bank

Mushisushi

amersall wrote: »

Give them a ring and ask, if there are other loans that you could claim for, it is best you know, the only way to find this out is to ring them.
The wording to me seems to be that they found consolidations loans when looking at the loans you put the claim in for and have redressed, I think this may be the case, unless you had more loans prior to 2003, paid them off and then started the consolidation of the 5 loans from that point.
They have to look at all the loans you have had with them, it is possible you have more to come, but it is best to get it from the horses mouth, so to speak

If they have no more to redress and you know that you did have more, then do the Sar, but wait until you have got the money in your bank

The 5 loans that I put in a claim for were all specified on the same letter and that's all I have received funds, offers on. so for me the wording "other loans" sounded like it was on top of the 5 I have claimed for.

Like you said. I'll wait and see, maybe call them in a couple of weeks ... once I have finished the case of Bollinger

katcris

amersall wrote: »

It is weatherseal you have to do the mis sell with.

When you got a no in 2010 was this the final response from FP? if it was then you have passed the time allowed to take this to FOS, put a claim into Weatherseal and see what they come back with.

I received this reply today: "The company that manufactured and installed the products was W H Realisations Ltd (formely known as Weathersdeal Holdings Ltd) and not our company Premier Trade Frames UK Ltd (now known as Weartherseal Holdings Ltd).

W H Realisations Ltd went into Administration with effect from Thursday 11 September 2006 and official Administrators were appointed. Following its administration, Weatherseal Holdings Ltd (now known as W H Realisations Ltd) changed its name by special resolution at Companies House, Cardiff on 12th September 2006, to W H Realisations Ltd. The owners of Premier Trade Frames (UK) Ltd purchased the name "Weatherseal Holdings Ltd" on 12th September 2006 from the Administrators.

Following the purchase of the name, Premier Trade Frames (UK) Ltd changed its name and began trading as Weatherseal Holdings Lts. The new company Weatherseal Holdings Ltd (formerly Premier Trade Frames (UK) Ltd is therefore a different company and an entirely separate legal entity to the one that undertook the installation at your property.

With reference to any payment protection sold on this account we were not present at point of sale and as such cannot assist further in this matter."

ARGH!!!! I have read this a dozen times and my head is spinning now....where do I go from here? Am I fighting a losing battle???

[Deleted User]

EvilScotsman wrote: »

I took out a loan with Sainsbury's Finance in 2004 for £6000. It was settled on 28/04/06. I don't know if PPI was sold as part of the agreement, and since it was a few years back I no longer have the paperwork so don't have an account number. I wrote to Sainsbury's requesting a copy of the original T&C, and they replied and said they couldn't locate my agreement. I find it hard to believe they are unable to locate my agreement.

You can't request terms and conditions of loans that have been settled. You can write a Subject Access Request (SAR) letter which will provide all records they hold on you for at least six years, but sometimes longer. It costs £10. Template here:
https://forums.moneysavingexpert.com/discussion/1475553
Be aware that you may get no details of your loan as it was six years since it was closed in April.
A much more simple way might be to ring up and ask the Bank directly if PPI was attached to your loan. If they have kept records longer than six years, they should be able to tell you this.

EvilScotsman wrote: »

They have also accidentally included a copy of another customer's letter, which includes his full name, address, date of birth and bank details, so they've breached the Data Protection Act too.

This is a separate complaint which is not really worth pursuing since it's not your details that have been leaked

EvilScotsman wrote: »

What do you think I should do? Wait a couple of weeks so the 8 week time frame has elapsed and contact the Ombudsman?

Since you've actually made no complaint yet (only requested information), you have no right to approach the Ombudsman. The eight week rule is only for when you have complained and the Bank have given their full and final response or if they fail to respond to your complaint.

amersall

Mushisushi wrote: »

The 5 loans that I put in a claim for were all specified on the same letter and that's all I have received funds, offers on. so for me the wording "other loans" sounded like it was on top of the 5 I have claimed for.

Like you said. I'll wait and see, maybe call them in a couple of weeks ... once I have finished the case of Bollinger

Good luck.