Old HBOS Loan and PPI

[OLIVE.FAMILY]

Hello all,

I am wanting to claim back PPI on an old Bank of Scotland Loan. I cannot remeber when the loan was taken out but it was at least 4 or 5 years ago.

We took the loan out for various things like consolidation and diy. I believe we had PPI with this. A while later we wanted some more money so we went to bank of Scotland again. We borrowed enough to pay off the previous loan and had some left over for whatever we needed it for. Again we took out PPI. So this loan now has two lots of PPI.

We have claimed on the loan that we have now so I know we cant go for reclaiming on that but I do want to reclaim on the last loan. I have no details though and it was a previous address.

Any ideas on how we can recalim this

Olives xx

[OLIVE.FAMILY]

bump

[Paintball]

Hello Olive.Family (nice name BTW )

The first step is to send a Subject Access Request using the template which is to be found in the PPI Stickies: Full S.A.R - (Subject Access Request) for ppi

In doing this you can request a true copy of the Credit Agreement as signed by you, the Terms & Conditions of the loan in particular those relating to the PPI element of the loan and any exclusion clauses, and also a transcript of any telephone calls relating to the selling of he PPI to you.

Do you think that you have a case for mis-selling of the PPI? Did you understand exactly what was included and excluded within the policy that was sold to you, was it explained to you that there were other similar products available and the what were the prices of these compared to what you would be paying for the HBOS PPI? Do you feel that you made an informed choice based upon whether the HBOS product suited your needs and circumstances? If you had known that there were similar cheaper alternatives to the HBOS PPI available to you, would you have chosen to purchase it?


HTH

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	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.