PPI Reclaiming discussion Part II

di3004

The Clarks (Michael)

Here is the copy of the SAR template hunni as promised to you in my above post, sorry I did not think of posting this to you earlier.;)



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

maxdp

marshallka wrote: »

Very good and very true. :beer:

Have you seen cat videos they are funny. WELL I THINK THEY ARE:rotfl::T

di3004

Hi there Maxdp

Hope your okay hun......:D .

Is this site slooooooooow again......I'm getting very frustrated.......:mad: , I have been trying to post and my page has been coming up as done, but blank.... , its driving me nuts, it will probably take half an hour to post this......:rolleyes:

TheClarks

di3004 wrote: »

Hi there
Sorry for the delay, the in-laws were here.......:eek: , right I will dig out that SAR template for you, you will have to pay £10 cheque payment for this or postal order, but by law then they have to provide you with everything they have on you on your account, give me a min and back soon with a SAR, they have 40 days to get back to you.

You can still try to request for the CD free of charge, but most will charge for this and say you would have to request for a SAR.;)

Sorry hun I should have added this earlier.:o

Hey no worries

I have prepared the "give me the cd for free" letter, so will send the SAR a couple of days later.

di3004

TheClarks wrote: »

Hey no worries

I have prepared the "give me the cd for free" letter, so will send the SAR a couple of days later.

Brilliant Michael, well done.......:D , your well prepared now then ? lol:T .

Goodie, keep us posted hun, you will get through this, we will make sure we do our damned hardest that you will get your money back anyway hunni.:beer: . Good luck !:j x

di3004

Check out businesses for regulation here:

http://www.claimsregulation.gov.uk/search.aspx

Bluemoon

Is this a good offer from first plus:

"We are concerned that you are unhappy with the remaining cover provided by the insurance policy and should you wish to cancel the policy we would like to offer an enhanced rebate of the insurance policy. The enhanced rebate that we are prepared to offer you is calculated on a pro-rata basis of 78% of the insurance premium. Our offer takes into account the time the policy has provided cover (13 Months) and the rebate is calculated on the unexpired term remaining(48 Months). This would mean an amount of 1968.07 would be applied to your acount in addition to the normal rebate of 1152.45 payable on cancellation of the policy."

My loan is 25100 + 5000 insurance

Questions

Will receive any money back or will it be paid into my loan account

Will my term/payments go down

Thanks
Bluemoon

di3004

Bluemoon wrote: »

Is this a good offer from first plus:

"We are concerned that you are unhappy with the remaining cover provided by the insurance policy and should you wish to cancel the policy we would like to offer an enhanced rebate of the insurance policy. The enhanced rebate that we are prepared to offer you is calculated on a pro-rata basis of 78% of the insurance premium. Our offer takes into account the time the policy has provided cover (13 Months) and the rebate is calculated on the unexpired term remaining(48 Months). This would mean an amount of 1968.07 would be applied to your acount in addition to the normal rebate of 1152.45 payable on cancellation of the policy."

My loan is 25100 + 5000 insurance

Questions

Will receive any money back or will it be paid into my loan account

Will my term/payments go down

Thanks
Bluemoon

Hi there Bluemoon

Its good they have given you an offer. So well done there.:beer: .

Who was this loan taken out with if you don't mind me asking ?

Are you happy to receive this amount ?

And yes your repayments should now be reduced.

If you want this repaid directly to you, I would request for this.;)

If they had admitted to mis selling, then you would have received the full amount, so depending if you want to accept this or go take it to the FOS hun, is up to you.

Good luck and I am sure Marshallka will read on this at some point soon.
Well done !:D :T

Di.
x

Bluemoon

di3004 wrote: »

Hi there Bluemoon

Its good they have given you an offer. So well done there.:beer: .

Who was this loan taken out with if you don't mind me asking ?

Are you happy to receive this amount ?

And yes your repayments should now be reduced.

If you want this repaid directly to you, I would request for this.;)

If they had admitted to mis selling, then you would have received the full amount, so depending if you want to accept this or go take it to the FOS hun, is up to you.

Good luck and I am sure Marshallka will read on this at some point soon.
Well done !:D :T

Di.
x

The loan is with First Plus

I am happy to get anything and i will not be paying interest for the next 9 years so i will take it unless i am advised otherwise

Bluemoon

di3004

Bluemoon wrote: »

The loan is with First Plus

I am happy to get anything and i will not be paying interest for the next 9 years so i will take it unless i am advised otherwise

Bluemoon

Glad this is sorted then hun.:beer:
And of course its good that it is something because they are not always this lenient, so yep I agree with you, unless like you said others advise otherwise for some reason.;)

Good for you.;)