PPI Reclaiming Discussion Part 5

-taff

Gosh Dunston, that's practically a sweary rant for you

ade20

Thank you Taff, i even sent a cheque for £10 for a copy of the documents i asked for, they sent me files i did not need. so do i contact ICO online ?? who are they ?

dunstonh

ade20 wrote: »

Thank you Taff, i even sent a cheque for £10 for a copy of the documents i asked for, they sent me files i did not need. so do i contact ICO online ?? who are they ?

Well that didnt last long. Back in less than an hour.

We should nickname you scud as you seem to be firing off indiscriminately in no particular direction.

-taff

ade20 wrote: »

Thank you Taff, i even sent a cheque for £10 for a copy of the documents i asked for, they sent me files i did not need. so do i contact ICO online ?? who are they ?

https://ico.org.uk/concerns/

And you are supposed to send a cheque for £10.

[Deleted User]

ade20 wrote: »

they sent me files i did not need. so do i contact ICO online ??

As I said before, none of this will advance your PPI complaint. You may get a refund of your £10 SAR fee though...

Geoff1963

I once had a letter from some debt-claiming people, with a letter to someone else printed on the back ; someone obviously selected "print both sides".
I think I photocopied that side and sent it to the intended recipient, suggesting they could complain under the Data Protection Act.

duffs54

-taff wrote: »

Do you have any records? Have you asked the bank if they have or sent a SAR?

Not sure what a SAR is, only got bank statements, but can search in loft we usually keep everything, thank you

duffs54

Moneyineptitude wrote: »

A managed loan is one that is generally imposed by the bank as a means to 'help' people sort out problems such as overdrawn accounts etc. It normally has a much higher interest rate than an ordinary bank loan and has other strings attached such as no overdraft facility or access to other forms of credit.

It sounds like what you think was "insurance" was more likely interest and charges, although there might have been a PPI element.

On what basis would you complain and expect to be refunded?

Well we were so desperate to get it sorted because of the interest HMRC was charging, we had no choice but to take a loan out, but had no idea that only £100 was going towards the debt, in those days no internet and forums to advise, we just went along with what they said?

do we have a case ?

cheers

-taff

Get your paperwork out and see what the 'ppi or something' for £50 was first.

duffs54

-taff wrote: »

Get your paperwork out and see what the 'ppi or something' for £50 was first.

Cheers will do :beer: