PPI Reclaiming discussion Part II

di3004

marshallka wrote: »

Still trying to suss out that settlement I would imagine. Did you send that statement to them...

Yes maybe but I asked them if they wanted the settlement breakdown the last time and they said no, as they would be getting that info when they investigate and have the details........
They state they have only now started the investigations.

marshallka

di3004 wrote: »

Yes maybe but I asked them if they wanted the settlement breakdown the last time and they said no, as they would be getting that info when they investigate and have the details........
They state they have only now started the investigations.

So if the only thing you have sent to them is the agreement and the liquidators have not got any other stuff how will they know when you settled and how much you actually paid etc...I bet they will need it then.

Pm'd you Di.,.

di3004

marshallka wrote: »

So if the only thing you have sent to them is the agreement and the liquidators have not got any other stuff how will they know when you settled and how much you actually paid etc...I bet they will need it then.

Pm'd you Di.,.

Thanks hun, I will check pm when it comes through.;)

Exactly what I thought, and I bet they will still ask for it as another hold back again..... now hubby reckons we did enclose a copy of the breakdown and I really cannot recall if I did or not now......

GMoney_2

Hi

I have started taking PPI action against:
Egg CC
Capital One CC
(both now closed)

Egg Loan (since 2006)
HSBC Loan (since 2006)

so far so good - however I have experienced the following two problems:

1) Egg CC have written back to say that they want £10 from me for them to send me my previous CC statements, I had assumed that this was free under the Freedom of Info? If it was the loan I would understand as they'd need to access my transcripts etc... but for previous CC statements.

2) for capital one CC, they have sent my my statements, however no where can I see any mention of "PPI" in the charges. Could it be called something else on the statements? And if it's not explicitely stated, does this mean I was not charged PPI?

thanks in advance for your help!!

Alibear

di3004 wrote: »

Hi there Ali.
And the very best of luck to you hunni, its your money so get it all back....:j .

Basically I did have a very complexed complaint against a loan company of Nemo personal finance, they denied mis selling this went to the FOS in Oct 2006, we were finally paid out Jan 2008, okay it was well worth it and not far off £13K was refunded back on this one.;)

Yet another one of mine, was with Liverpool Victoria, this had only taken a few weeks, even the first letter, they replied back within a week and admitted that this was possibly mis-sold, even though not a large one it was not far off £2K refunded. (so no FOS with this one).;)

Now onto other cases I have a few Lloyds loan ppi complaints to get on with, I have slacked on this one, but its going to be sorted out now this week, the letter will be sent, and the FOS is dealing with a Lloyds Credit Card ppi right now with is actually with the adjudicator.

My hubby has 2 of his Credit card again lloyds ppi with the FOS right now but still waiting for them to be passed on to get looked at.

We have an Endeavour complaint in to the FOS, but only in the beginning with that one really.

I will post up as I go along - as when I hear something.

I do hope you get all yours back without an hitch hun, good luck !:D

Di.
x

Wow, Di, £15k back so far? That's awesome!

From reading other threads in parts I and II it seems the questionnaires are an attempt to find one shread of evidence to not cough up. So I think I'll just return the document with the lovely Martin's second template letter... Has anyone else been successful doing this?

Ali. x

di3004

Alibear wrote: »

Wow, Di, £15k back so far? That's awesome!

From reading other threads in parts I and II it seems the questionnaires are an attempt to find one shread of evidence to not cough up. So I think I'll just return the document with the lovely Martin's second template letter... Has anyone else been successful doing this?

Ali. x

Thank hun, yep not bad going is it? lol.....:D :j .

I think your right about these questionaires, the way I see it though they already know due to the letter sent and I think they think its something that would put us off, but not a chance......:D .

Yes I believe there are many who have been successful the 2nd time round of the letters, the companies know its the last chance they have to reconsider and some do not like the thought of the FOS dealing with the complaints, so yes I am sure there are a load who have been successful.;)

Hope you get through this too hun and you will just as long as you keep at it, and you do seem to be very eager, so you have a strong chance.:beer: .

di3004

GMoney wrote: »

Hi

I have started taking PPI action against:
Egg CC
Capital One CC
(both now closed)

Egg Loan (since 2006)
HSBC Loan (since 2006)

so far so good - however I have experienced the following two problems:

1) Egg CC have written back to say that they want £10 from me for them to send me my previous CC statements, I had assumed that this was free under the Freedom of Info? If it was the loan I would understand as they'd need to access my transcripts etc... but for previous CC statements.

2) for capital one CC, they have sent my my statements, however no where can I see any mention of "PPI" in the charges. Could it be called something else on the statements? And if it's not explicitely stated, does this mean I was not charged PPI?

thanks in advance for your help!!

I had added a SAR (subject access request) letter on here which is just a few pages away, that is what you would have to send with a £10 cheque payment in order to receive everything they have on you on that account.
They have 40 days to do this.

Now hun, do not bank on me, but ppi can be called various things, like PPP for example, maybe someone could confirm this to you.

If you are unable to find the template let me know - one of us will re-post this up for you.
Good luck, just yell if you require info.

Di.
x

Just edited to come back in to post the SAR:::


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 PROCECTION.

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

Yours faithfully


Your name

ellychokka

marshallka wrote: »

I hope you get somewhere for your mum. Its not nice to have your mum being fleeced.:mad:

Hi
:j Hurrah had success for my mum at last but not without a fight!

After we sent the original letter of complaint, citing that in offering a new rate of 19% they were not complying with the FSA guidance. Barclays replied and quoted the terms and conditions of the original loan where it does state that they "cannot guarantee that the new loan rate will be the same".
I sent another letter back to them stating we were not satisfied they had answered the complaint as there was not mention on FSA guidance in ther reply. We gave them 7 working days to reply and asked them to state if it was thier final reponse and on the 14th (the final day) they replied to my mum saying yes she was right, she could cancel the single premium policy and the new loan rate would be exactly the same as the current and she'll have about £3000 back! Shes waiting for the paperwork at the moment but has had all this in writing from them.

Its great news but i hate the way they try to flick you away in their first reply. It was obvious from the start that they werent acting fairly but they didnt answer that in their first letter. Im glad for my mum that I stuck to my guns.
Thanks for your advice it was really helpful.

mlucyminx

GMoney wrote: »

Hi

I have started taking PPI action against:
Egg CC
Capital One CC
(both now closed)

Egg Loan (since 2006)
HSBC Loan (since 2006)

so far so good - however I have experienced the following two problems:

1) Egg CC have written back to say that they want £10 from me for them to send me my previous CC statements, I had assumed that this was free under the Freedom of Info? If it was the loan I would understand as they'd need to access my transcripts etc... but for previous CC statements.

2) for capital one CC, they have sent my my statements, however no where can I see any mention of "PPI" in the charges. Could it be called something else on the statements? And if it's not explicitely stated, does this mean I was not charged PPI?

thanks in advance for your help!!

I have just checked my statements from capital one and it is definately called payment protection insurance on their statements.

mlucyminx

ellychokka wrote: »

Hi
:j Hurrah had success for my mum at last but not without a fight!

After we sent the original letter of complaint, citing that in offering a new rate of 19% they were not complying with the FSA guidance. Barclays replied and quoted the terms and conditions of the original loan where it does state that they "cannot guarantee that the new loan rate will be the same".
I sent another letter back to them stating we were not satisfied they had answered the complaint as there was not mention on FSA guidance in ther reply. We gave them 7 working days to reply and asked them to state if it was thier final reponse and on the 14th (the final day) they replied to my mum saying yes she was right, she could cancel the single premium policy and the new loan rate would be exactly the same as the current and she'll have about £3000 back! Shes waiting for the paperwork at the moment but has had all this in writing from them.

Its great news but i hate the way they try to flick you away in their first reply. It was obvious from the start that they werent acting fairly but they didnt answer that in their first letter. Im glad for my mum that I stuck to my guns.
Thanks for your advice it was really helpful.

Well done on your success