PPI, Need help writing a letter to get a copy of agreements

mrsmiddi_2

Hi,
I have started writing away to credit and loan companies to obtain copies of agreements etc. I have had a few letters back (closed accounts) that have returned the £1 cheque saying account is upto date and that under the consumer credit act 1974 no longer applies to me. Which i understand no problem.
I still want these copies but i have no idea how to write a reply in order for me to retrieve them.

Also, while i have been desperately trying to get a clue with regards to writing a second letter, i noticed a lot of other companies/ people were saying not to send more than a £1 regardless is this right?

Once i accumulate everything i'm going to send this all off to a company i found that seems to be really legit. Only charging 10%. They are called JSK CLAIMS. I don't have a lot of time on my hands so i'm going to use these guys.

Thank you :-)

dunstonh

I still want these copies but i have no idea how to write a reply in order for me to retrieve them.

You can do a data subject access request costing £10. If they still have them they will supply them. If they dont then they wont.

Why do you need the agreements? You dont need them if you wish to complain.

Also, while i have been desperately trying to get a clue with regards to writing a second letter, i noticed a lot of other companies/ people were saying not to send more than a £1 regardless is this right?

No. The £1 method only applies to debts outstanding as a request under the consumer credit act. If there is not a debt outstanding then the £1 method will not work and you have to use the £10 DSAR method.

Once i accumulate everything i'm going to send this all off to a company i found that seems to be really legit. Only charging 10%. They are called SPAM. I don't have a lot of time on my hands so i'm going to use these guys.

Your money to waste.

DrSqueeze

Couple of points spring to mind:

1. If you know you had PPI, you don't actually need the agreements.

2. If you believe the PPI was missold, you can write a complaint letter to the lender(s) with the reason(s) and ask them to investigate.

That's all you have to do.

This takes less time (and costs less money) than using a claims company. If you do all the work mentioned in your message, then all you are paying them to do is send a standard letter to your lenders. And for that, they will take a chunk of any refunds you might be entitled to.

dunstonh

I was just thinking that it took the OP longer to register on this site and then post a message than it would to actually register a complaint with the lenders. Yet they had time for that

amersall

I would steer clear of a claims co, I agree with DrSqueeze, you will do all the work and the company will sit back and take the % plus Vat? money for old rope, go to the post box and send your letters off, this will cost you the price of a couple of stamps, some banks do mis sell claims over the phone too.

amersall

dunstonh wrote: »

I was just thinking that it took the OP longer to register on this site and then post a message than it would to actually register a complaint with the lenders. Yet they had time for that

This is usually the case