PPI Reclaiming discussion Part II

di3004

angelwillow wrote: »

Anyone had a decision from FOS regarding HBOS saying they have 6 weeks to get in touch and pay funds back? Do they tend to take the full 6 weeks?
Just that it's been 4 weeks now and not even a 'this is how we have calculated things' letter never mind a cheque?

Hiya hun, not certain here to be honest, but maybe a quick call on Monday they will be able to confirm more perhaps, good luck hun.;) x

di3004

money_back wrote: »

Just had a knock back from hfc for ppi on a loan i took out in 2001, they told me i signed various paperwork agreeing to it and they did'nt have to comply with fsa as the rules did'nt come into force till later. They have said to go to the fos if i want but i am a bit confused, will they look as it as the loan is so old/over 6 years old.

Anyone know anything about this thanks.

Hi there hun and sorry to hear about your knock-back with these.
Now I take it what they mean is they were not under jurisdiction covered by GISC, the FSA had taken over from these in Jan 2005, the FOS are able to investigate complaints if the finance company were covered by any of these.

I did think they were covered and am sure someone else who actually used this company can confirm this.

Is this loan still active or settled ?

If this was settled after Jan 2005 there maybe another way you can complain as another option if you think your received an low rebate when the loan was settled at the end, its just another option and I do have one right now in with the FOS about an unfair rebate/settlement as I was in the same situation myself, a company that I had a loan with was not covered when I had taken out my loan but were when I settled my loan, however I don't think this is a very popular complaint but could be tried as a last option.

Also have you still any of the paperwork for this loan ?
If not I would contact them and ask them for copies of these, such as the agreement and a written breakdown.;)

Please post anytime for further guidance here hun.

Di.
x

di3004

hereigoagain wrote: »

thanks for the advice, does the following read ok for the explanation? would it be a good idea to get the DPA request underway at the same time, i may want to claim charges aswell, should these be claimed at the same time? thanks

[FONT=Arial, sans-serif]I purchased the above policy from you in [/FONT][FONT=Arial, sans-serif]September[/FONT][FONT=Arial, sans-serif]2000[/FONT][FONT=Arial, sans-serif] but now believe that I was mis-sold this policy as having recently looked at the paperwork for my credit card (the original application form sent to me following my recent request for a Consumer Credit Agreement)[/FONT][FONT=Arial, sans-serif] I now realise that I have been paying for insurance that I did not know I had taken out so could not have been explained to me. On the application form I did not tick the YES box for this protection. The paragraph on the application form also fails to provide full details of what the policy would and would not cover.[/FONT]

Hi there and yes that is fine to do both at the same time.
You could try your luck to see if they can supply anything for you free of charge too hun, a written breakdown and the agreement should be no problem to get hold of, but I also note that this was 8 years ago where they may not be able to supply anything going back that far and only the last 6 years only.

I would however still try to reclaim this back and if you have covered all areas where you feel you were mis sold then get it sent in and I would post by recorded post to keep an eye on the timescales as they have 8 weeks on the complaint letter.

If you still have an active account with these, you can still request for an SAR which as you know will cost you £10 cheque or postal order payment, they have 40 days from the date of your letter to send your your SAR.

Also if you require the template for the SAR please let us know and one of us will be able to supply it for you.;)

All the best and please keep us posted, cheers hun, much appreciated, good luck!

Di.
x

Loulou1513

marshallka wrote: »

Yeah, this is a normal reply to your first letter. A standard fob off usually and also a stalling method. (It gives them more time to keep your money.)

Just have to wait now and you will receive a final response within the 8 weeks and we will take it from there. It is quite normal.

Hope you win.;)

Hi there Marshallka. Just to let you know that I got another letter saying they were still looking into it then I got a phone call last week and the woman asked me if I wanted the loan I took out in 1999 takin into account as well. So I told her yes I did. She said she was assessing my claim and would send me a letter within a few days with her result.....
Yayyyyyy I AM getting my money... And she even sent me the copy of my loan agreement from 1999.... it said I would get a letter with the amount I would be getting and then it would be paid into my account... I dont even have a clue as to how much I'll get back. But I am so happy that I got a positve decision and dont have to go through all the rigmarole of having to send more letters. I am so glad I did go through with it and want to thank you all on here for all your help and support... I am chuffed to bits. Even though I dont know the amount. And it did say the usual bumph of not admitting liability etc, but that as I am a valued customer etc etc..... ..
I am SO happy..
thanks to you all.....:T :A :beer: :j

hereigoagain

di3004 wrote: »

Hi there and yes that is fine to do both at the same time.
You could try your luck to see if they can supply anything for you free of charge too hun, a written breakdown and the agreement should be no problem to get hold of, but I also note that this was 8 years ago where they may not be able to supply anything going back that far and only the last 6 years only.

I would however still try to reclaim this back and if you have covered all areas where you feel you were mis sold then get it sent in and I would post by recorded post to keep an eye on the timescales as they have 8 weeks on the complaint letter.

If you still have an active account with these, you can still request for an SAR which as you know will cost you £10 cheque or postal order payment, they have 40 days from the date of your letter to send your your SAR.

Also if you require the template for the SAR please let us know and one of us will be able to supply it for you.;)

All the best and please keep us posted, cheers hun, much appreciated, good luck!

Di.
x

Can you let me have a copy of the SAR template please, thanks

di3004

hereigoagain wrote: »

Can you let me have a copy of the SAR template please, thanks

Hi hun here is the copy of the SAR template, you can use this for anything, loans, credit cards etc.;)



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



They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.

di3004

Loulou1513 wrote: »

Hi there Marshallka. Just to let you know that I got another letter saying they were still looking into it then I got a phone call last week and the woman asked me if I wanted the loan I took out in 1999 takin into account as well. So I told her yes I did. She said she was assessing my claim and would send me a letter within a few days with her result.....
Yayyyyyy I AM getting my money... And she even sent me the copy of my loan agreement from 1999.... it said I would get a letter with the amount I would be getting and then it would be paid into my account... I dont even have a clue as to how much I'll get back. But I am so happy that I got a positve decision and dont have to go through all the rigmarole of having to send more letters. I am so glad I did go through with it and want to thank you all on here for all your help and support... I am chuffed to bits. Even though I dont know the amount. And it did say the usual bumph of not admitting liability etc, but that as I am a valued customer etc etc..... ..
I am SO happy..
thanks to you all.....:T :A :beer: :j

WOW, well done Loulou.....:j :beer: :T , fantastic news .
And who was this with hun ?
That is wonderful news and I am sure Marshallka will be about some time to check the posts and will be over the moon with your news.;)

When you receive the amounts etc, feel free to add on here if you want it double checked out, then it will be checked out for you, and make sure hun they add that stat 8% interest.:D

Phew, all in good time for Christmas then lol......:T :beer: .

Di.
x

money_back_3

di3004 wrote: »

Hi there hun and sorry to hear about your knock-back with these.
Now I take it what they mean is they were not under jurisdiction covered by GISC, the FSA had taken over from these in Jan 2005, the FOS are able to investigate complaints if the finance company were covered by any of these.

I did think they were covered and am sure someone else who actually used this company can confirm this.

Is this loan still active or settled ?

If this was settled after Jan 2005 there maybe another way you can complain as another option if you think your received an low rebate when the loan was settled at the end, its just another option and I do have one right now in with the FOS about an unfair rebate/settlement as I was in the same situation myself, a company that I had a loan with was not covered when I had taken out my loan but were when I settled my loan, however I don't think this is a very popular complaint but could be tried as a last option.

Also have you still any of the paperwork for this loan ?
If not I would contact them and ask them for copies of these, such as the agreement and a written breakdown.;)

Please post anytime for further guidance here hun.

Di.
x

Yer it was gisc

The loan is still active but with a dca, the ppi was canceled in 2004(no refund)

I have all the paperwork (with my signature on) but the ppi box is computer ticked.
I went in for the pushy salesman (which he was) + them aready being fined.

marshallka

Loulou1513 wrote: »

Hi there Marshallka. Just to let you know that I got another letter saying they were still looking into it then I got a phone call last week and the woman asked me if I wanted the loan I took out in 1999 takin into account as well. So I told her yes I did. She said she was assessing my claim and would send me a letter within a few days with her result.....
Yayyyyyy I AM getting my money... And she even sent me the copy of my loan agreement from 1999.... it said I would get a letter with the amount I would be getting and then it would be paid into my account... I dont even have a clue as to how much I'll get back. But I am so happy that I got a positve decision and dont have to go through all the rigmarole of having to send more letters. I am so glad I did go through with it and want to thank you all on here for all your help and support... I am chuffed to bits. Even though I dont know the amount. And it did say the usual bumph of not admitting liability etc, but that as I am a valued customer etc etc..... ..
I am SO happy..
thanks to you all.....:T :A :beer: :j

I am soo Happy for you here. Worth it in the end then!!!

Brilliant news Loulou :j :beer:

Let us know the amounts when you hear.

marshallka

maxdp wrote: »

Were they fined or in Liquidation:eek:

They were fined in 2006 and then someone on the success thread says they have gone into liquidation. Not advertised in the London Gazette though??