PPI Reclaiming discussion Part II

sarahc5388

jadest wrote: »

I got a letter again from littlewoods saying they need more time to fully investigate my claim and they sent me a questionare saying do I have other insurance when I took out PPI andif so what it was. also if I had any medical diagnosise when the PPI was taken out. Why would they ask all thse question. I am not sure of some of the answer as I asked for my SAR 5 weeks ago and still haven't recieved it, I can't remember when the PPI was taken out. All I know is I never asked for it on the application for the account as I have copy of application I just notice I was paying it a few months ago on close scrutany of my statement. I didn't have other insurance that would cover payments as I get full pay when of sick and there is no redundancy policy so wouldn't need it

do a search on this thread - there's a few posts that mention these

TwinsMum_2

HFC have stated that they do not have the original telephone coversation that they had with my husband as they say they do not record every application is that right thought the had to do them all.?????

nothingwitty

" I got a letter again from littlewoods saying they need more time to fully investigate my claim and they sent me a questionare saying do I have other insurance when I took out PPI andif so what it was. also if I had any medical diagnosise when the PPI was taken out. Why would they ask all thse question. I am not sure of some of the answer as I asked for my SAR 5 weeks ago and still haven't recieved it, I can't remember when the PPI was taken out. All I know is I never asked for it on the application for the account as I have copy of application I just notice I was paying it a few months ago on close scrutany of my statement. I didn't have other insurance that would cover payments as I get full pay when of sick and there is no redundancy policy so wouldn't need it"
I got a full refund of my PPI from Littlewoods. Tomorrow, I can send you the letter I sent if it's opf any use. PM me so I have your details and I will forward the letter - I got a full refund no problem. That said, maybe they are being a little more difficult now that more people are asking!

tiggrae

sarahc5388 wrote: »

Tiggrae, please could you look at the following for me - thanks in advance

xXXXXl
tweaked it a little

Customer Care
Lloyds TSB Insurance
Tredegar Park
Newport
South Wales
NP10 8SB


Dear Ms XXXXX

Re: Account number: XXXXXXXX

References:

A. Your XXXXX dated 9 June 2008 (copy).
B. My letter to you dated 7 June 2008 (copy).
C. Your XXXXXdated 29 May 2008 (copy).
D. My letter to you dated 11 May 2008 (copy).

Thank you for your amazingly swift response at Reference A, to my letter (Reference B, copy enclosed)) which you received on Tue 10 Jun 08. I would like to reiterate the following:

"I am writing in response to your letter dated 29 May 2008 , with regards the insurance sold with my loan. Your reference is XXXXX.

I do not feel your letter offers a satisfactory justification my policy was sold fairly, reasonably and within my best financial interests, nor does it meet the criteria of Treating a Customer Fairly, so I therefore, request you look more thoroughly into my complaint again.

I would also like to add when the policy was sold to me, your salesperson stated as I wanted to borrow an additional £1000 on top of an existing loan, I had to renew the loan and because I had PPI on the previous loan I must also have it on it on the new loan for the application to succeed. I now believe this to be untrue and I have been mis led"

If I do not receive a more favourable response within 14 days I shall be taking my complaint to the Financial Ombudsman.

Yours sincerely



Also:

Re: Account number: XXXXX

In the first part under the Data Protection Act 1998:

Under the Data Protection Act 1984 and 1998, and including the right of subject access under these acts, please supply me with a complete list of transactions and charges relating to the above accounts held with you since they were opened.

Additionally, where any event in my account history has required manual intervention by any member of your staff or any other person, I require disclosure of any indication or notes which have either caused or resulted in said manual intervention or other evidence of manual intervention in relation to my business with you.

If there has been no such manual intervention, then please be kind as to confirm this in writing.

For the avoidance of any and all doubt, I reiterate:

I hereby, request you supply me with any and all historical data in your possession which, in any way appertains to me, including (but not exhaustively) a copy of the original signed executed agreement; statements of account; duplicate statements and/or print outs of all account transactions; all internal and external correspondence sent or received by you including memo’s, logs, notes, screen prints and transcripts; notes of manual interventions such as telephone attendants' notes, copies of stored telephone conversations, internal and external emails; any other information held on any/all types of media in any relevant filing system (microfiche included).

If you have disclosed any information to a third party (with or without my express permission), will you please include details of this in your reply, along with notes of any legal action passed or pending (to include a true copy of default notices, court orders and the like).

Where any information you provide includes any charges, for example returned payments, late payment fees, and so forth, would you please advise your breakdown of actual costs (liquidated damages) incurred for each charge, and the specific Term or Condition on which you rely upon to claim such a charge.

I also require you forward, within the time scale mentioned below, a true copy of the Terms and Conditions in force at the time my account was opened, and any subsequent amendments to said Terms and Conditions.

I enclose the statutory maximum fee of £10.00 to access ALL data held by yourselves about myself. You should be fully aware of your statutory obligations under the Data Protection Act and that any failure to comply with this request will involve a complaint to the ICO as well as potential legal action.

You have 40 calendar days in which to comply with this request.

This communication has been sent Recorded Delivery so I can ensure compliance on these issues within the legislative timeframes.

Request for Further Information

I also request the following information:

Procedures in place at the time of sale to ensure customers did not buy policies on which they could not claim or which provided only very limited cover;

The Controls and Systems in place at the time of sale to stop staff giving advice or providing information that amounted to giving advice;
Systems in place at the time of sale to assess suitability adequately (ie what advice could and could not be given, how did you assess a customers suitability for specific products);

What Controls were in place at the time of sale to assess the quality and timeliness of product and price disclosure;

Provide details as to the level and structure of inducements and targets for sales staff in place at the time of sale;

What training was provided to the Salesperson involved with the sale of the Insurances and how was the competence of the specific sales staff assessed (please provide copies of actual training records and competency assessments;

What Compliance Monitoring was in place to ensure compliance with good practice; and

Copy of any Internal or External Audit reports into the Sale of Insurances within the company issued since the sale of the insurances took place.

Should you decline to provide the above mentioned information, please note within my complaint to the FOS I will specifically request they examine said data in order to establish the practices in place when the PPI Policy was 'sold' to me.

Yours Sincerely




XXXXX

Encls:

1. Reference A.
2. Reference B.
3. Reference C.
4. Reference D.
5. Postal Order for £10. Specifically for DPA/SAR request – not to be credited to any account.

jadest

sarahc5388 wrote: »

do a search on this thread - there's a few posts that mention these

Thank you sarah will do that. also your letter was great if you don't mind I might need your help in the future with writing letters has I haven't got a clue. I have dyslecsia and stuggle with letters

jadest

MWH1 wrote: »

Attn: Sparky and Jadest - I have a case coming up in the County Court against HBOS for a breach of the Data Protection Act. Make sure you hound them for proof that your credit history has been repaired. Also, do not take their word for it, as they stated in writing that they had resolved this, however Experian (Credit Reference Agency) confirmed otherwise. I had to take this matter to the Information Commissioners Office to obtain a ruling in my favour. Go get em!

Thank you MWH1 I will make sure they remove it and I will hound them. Bank should not be allowed to get away with this. I stuggle every month to make all my payments fully aand on time to protect my credit history and then they have the cheek to lye and put down a late patment when the money is there wiating for them to take. this is cr*p

jadest

nothingwitty wrote: »

" I got a letter again from littlewoods saying they need more time to fully investigate my claim and they sent me a questionare saying do I have other insurance when I took out PPI andif so what it was. also if I had any medical diagnosise when the PPI was taken out. Why would they ask all thse question. I am not sure of some of the answer as I asked for my SAR 5 weeks ago and still haven't recieved it, I can't remember when the PPI was taken out. All I know is I never asked for it on the application for the account as I have copy of application I just notice I was paying it a few months ago on close scrutany of my statement. I didn't have other insurance that would cover payments as I get full pay when of sick and there is no redundancy policy so wouldn't need it"
I got a full refund of my PPI from Littlewoods. Tomorrow, I can send you the letter I sent if it's opf any use. PM me so I have your details and I will forward the letter - I got a full refund no problem. That said, maybe they are being a little more difficult now that more people are asking!

Thank you about to PM you my details

marshallka

See sarah, your letter helped someone else.

sarahc5388

Tiggrae - as ever - you are a star!!

sarahc5388

jadest wrote: »

Thank you sarah will do that. also your letter was great if you don't mind I might need your help in the future with writing letters has I haven't got a clue. I have dyslecsia and stuggle with letters

no problem at all - we're all here to help each other get our revenge!!