PPI Reclaiming discussion

Lindyhop

Hi Choc

you might want to follow this up by requesting a SARs (subject access request) under the Data Protection Act 1998. if requested Barclays would be obligated to provide you will ALL information they hold on you, including the provision of transcripts of telephone conversations and items held on you which they have placed in archives, backups or other storage devices or locations. if they still dont provide the information you need or only provide some of it and believe more is outstanding threaten to report them to the information commissioners office. if they still dont play ball, threaten to take them to court and get a court order to make them provide the info.

match them by playing the long game. dont let them get away with it. go get your money back.

oh yeah dont let them fob you off with this only holding info for 6 years rubbish, i know of barclays customers who have had info back 10 years at least. send any follow up letter to the banks Data Controllor. remind them of their obligations - just in case they have forgotten

the SARs will cost you £10. send the request by recorded delivery. the bank have 40 day to meet your request.

good luck
Lindy

BaileyB

Has anyone claimed with Tesco ( i think its RBS)?

TwinsMum_2

Debbie2K7 wrote: »

Having sent off my second letter to Firstplus i received an offer of £3260...but this was to be taken off the loan amount outstanding, i sent a letter saying i wanted the money paid to myself with the remaining amount outstanding on the loan to be recalculated!

Now they have replied back saying "unable to uphold complaint and reasons summarised below" as outlined in letter dated 30 September. They have reviewed the call again saying the account manager said it was optional and it wasn't a condition of the loan to take out ppi and based on the answers provided to the questions they asked the ppi was recommended in order to protect the loan!!!

I was very naive at the beginning about ppi but i think now they have got me by the "short and curlies", included in their reply was a leaflet about the financial ombudsman service! :mad:

Can they do that when they have already agreed a figure with you.

stringer_2

Hi

Can anyone advise me what to do if I have sent off the letters.

Sent of the request for terms and received replies from almost all.

Sent another request to the ones that didn't and got them.

Sent in claim letters.

2 replies from 12, one stating NO, one stating looking into it.

Appealed the one stating No and no replies from any of the others?

Any ideas?

Cheers

stumck

I too have had personal overdraft protection for ages - I've been paying £12.02/month for at least ten years, not really knowing what it is - I'm new to this forum lark, have you had any response from people who have claimed this overdraft proptection back?
Thanks in advance

jjay33 wrote: »

I have a personal overdraft with Barclays bank and since at least 2000 I have been paying Payment Protection at a rate of £0.80/£100 per month. (I only kept statements going back to 2000). I have always felt really miffed that I've had to pay out for this protection, but was told when I first took our my overdraft that it was compulsory to my application being accepted. I have had other loans and credit cards over the years and never have I taken up PPI because I was happy to live with the 'risk'.

In addition, when I have had to increase my overdraft limit, each time I've questioned the need to pay PPI, I was told that I wouldn't get approval for the increase without continuing to pay the PPI. (This was using telephone banking).

After hearing Martin on Radio 2 yesterday, I phoned Barclays Bank this morning and cancelled the PPI without any problem. I would have done it YEARS ago if I'd known!!!

Now I want to get back all the money I paid out unnecessarily, but I have a couple of things I need help with.

The only policy I have is from March 2006 when I instigated an increase in my overdraft limit. But my statements from 2000 show I was paying insurance way back then.

Should I write to my branch to request further details of my original policy or should I contact Barclays Insurance Dublin who issued my most recent policy?

Any help would be great; I looked for anyone with a similar overdraft situation, but could only find loan or credit card scenarios.

Jane

mrobbo76

Good morning all,

I am assisting my wife in reclaiming her PPI charges back from HSBC, on the back of what is (or was, as it is very nearly at an end) a rather large loan, which she has been paying off over the last six years.

We are appealing purely on the grounds of pushy staff at the time of her loan application, who more or less railroaded her into signing up for PPI. One of the comments used was, "You are only young, you will easily be able to afford it". At no point was she informed that she could acquire PPI from elsewhere, and all in all, she felt pressured at the time of signing up for the loan in taking out PPI.

In a nutshell - this is grounds enough to be reimbursed?

fosd

I have sent a letter to GE Capital Bank to reclaim the PPI that I have been paying scince September 2002.

They have replyed stating that it would only be claims to policies that were taken out after January 2005, when FSA's ICOB regulations came into force that would be sucsessful.

They have said that I am welcome to go the Finacial Ombudsman Service, is it worth it? Can anyone help!

QOTD

I sent a letter last week to Paragon and has this morning received a response. TwinsMum I think it must have been identical to yours since it said that the loan I took out was brokered by Central Capital and therefore I need to contact Central Capital directly.

As seems to be the case from the posts that I have read, I don't appear to have all my documents. In fact I don't remember dealing with anyone except from Paragon, therefore I don't have any details for Central Capital. I have done a quick search on Google and have come up with the following address:

UK Correspondence Address:
Central Capital
2nd Floor, Edward Hyde Building
38 Clarendon Road
Watford
Hertfordshire
WD17 1JJ

I will now duplicate the letter that I originally sent to Paragon to this address, but before I send it, can anyone let me know whether or not this is the correct address?

Thanks in advance

TwinsMum_2

QOTD wrote: »

I sent a letter last week to Paragon and has this morning received a response. TwinsMum I think it must have been identical to yours since it said that the loan I took out was brokered by Central Capital and therefore I need to contact Central Capital directly.

As seems to be the case from the posts that I have read, I don't appear to have all my documents. In fact I don't remember dealing with anyone except from Paragon, therefore I don't have any details for Central Capital. I have done a quick search on Google and have come up with the following address:

UK Correspondence Address:
Central Capital
2nd Floor, Edward Hyde Building
38 Clarendon Road
Watford
Hertfordshire
WD17 1JJ

I will now duplicate the letter that I originally sent to Paragon to this address, but before I send it, can anyone let me know whether or not this is the correct address?

Thanks in advance

They are Central Trust now and I ahve this address if it helps:-

Central trust
3rs Floor Austin House
Stannard Place
St Crispins Road
Norwich
NR3 1PX

If we all get at them as much as we can maybe they will change their attitude. I have gone to the Ombudsman with my complaint, Good luck with yours.

TwinsMum_2

Thats were my complaint response letter came from so I presume it is the correct address for complaints.