PPI Reclaiming successes and failures

di3004

leanne-74 wrote: »

Hi, was just wondering if anyone had a result with Lloyds yet? I got refused for my first letter and sent my second letter about 2-3 weeks ago..was just wondering if anyone had any luck?

thanks!

Hi there
Please keep at them, they were not easy with me either, mine is now actually being dealt with by an adjudicator by the FOS, this one though Credit Card PPI, have the loan PPI's to get on with yet, keep us posted in order for us to help you and send them an email now and again on lloyds internet support, they will pass on the message and give them a bit of a nudge the same time.;)

penn2249

Hi. I bought 2 sofas from DFS and took out a loan for 18 months. I was told I had to have insurance or I wouldn't be accepted for the loan!! I stupidly believed them and went ahead with the loan arrangement. Saw Martins article, downloaded letter and have just recieved a cheque from HSBC for £108. Their letter explained that I wasn't miss sold the insurance as all my options were fully explained to me (they weren't) and they were only returning the money as a good will gesture. Make what you will of that!!!! Martin you're a hero:money:

di3004

penn2249 wrote: »

Hi. I bought 2 sofas from DFS and took out a loan for 18 months. I was told I had to have insurance or I wouldn't be accepted for the loan!! I stupidly believed them and went ahead with the loan arrangement. Saw Martins article, downloaded letter and have just recieved a cheque from HSBC for £108. Their letter explained that I wasn't miss sold the insurance as all my options were fully explained to me (they weren't) and they were only returning the money as a good will gesture. Make what you will of that!!!! Martin you're a hero:money:

Hi there hun and well done to you.:T :beer: :j

Was this the full amount of insurance they paid back with interest etc?;)
I take it then this was on goodwill, am I correct? and did they give you that chance for you to have your say, if this is the case?

Good one.:T
Di
x

growing4gold

* Loan
* Natwest
* £1444
* I sent the first letter, received a form to fill in with further details of what I was unhappy with, then waited about 2 months before sending the reminder letter, got a phone call to say they never received the first letter but would deal with my issues(?), then got another phone cal saying they sent a letter out 2 months previously but they would resend it. Letter stated refund!! woo hoo!

So after some confusion everything was groovy!
Did this for my boyfriend and he was well chuffed! Thanks MSE!:j

nova

Hi All, :j :j :j :j
l have just won my ppi claim by DEFAULT against Creation Financial Sevices, Yipee at long last!! lf they had refunded me when l asked it would'nt have cost them so much.
Thanks Di and Marshallka and everyone else who have helped me you're all stars!

Also Di l managed to get the xBox sorted for my friend, Microsoft are sending all the stuff to send it back, She's over the moon and says Thanks all the way fom Spain. xxx :T

pinknico

WELL DONE NOVA:beer:

marshallka

nova wrote: »

Hi All, :j :j :j :j
l have just won my ppi claim by DEFAULT against Creation Financial Sevices, Yipee at long last!! lf they had refunded me when l asked it would'nt have cost them so much.
Thanks Di and Marshallka and everyone else who have helped me you're all stars!

Also Di l managed to get the xBox sorted for my friend, Microsoft are sending all the stuff to send it back, She's over the moon and says Thanks all the way fom Spain. xxx :T

Well done Nova.. Just in time for Christmas then.. :beer: :j

Fossildog

Hi, I remember someone posting a letter template on here that you sent to a firm requesting they give you copies of everything they hold on you. Does anyone know where I can download a copy of this?

Also, if a firm tells you that they have lost the taped telephone conversation they recorded whilst selling you the PPI would the FOS look badly on this?
Ta

di3004

Fossildog wrote: »

Hi, I remember someone posting a letter template on here that you sent to a firm requesting they give you copies of everything they hold on you. Does anyone know where I can download a copy of this?

Also, if a firm tells you that they have lost the taped telephone conversation they recorded whilst selling you the PPI would the FOS look badly on this?
Ta

Hi there
I will find the SAR in a min but there is also another one posted on these threads, you will also find them on the Reclaiming discussion thread if you want to check it out there.

The company should keep records for 6 years and still have transcripts of phone calls so either way I do think you have a case here hunni.;)

I will post the SAR to you here in a min when I find it but its up to you if you want to check out the other mentioned thread for another form of SAR.;)

Di
x

di3004

Fossildog as promised in my above post here is a copy of an SAR (Subject Access Request).;)

Your address

Their Address

Date

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully


Your name

Sign your signature and put a line through it so you will know if you see it again:o You never know