Paintball vs BISL

[Paintball]

I'm in the process of making my first ever claim on a household insurance policy. I'm currently with Budget Insurance Services.

As I was looking at the teeny tiny writing on the policy document, I noticed that PPI had been added on the initial policy and on the policy renewal document.

I have no recollection of having had any discussion about the inclusion of PPI during the initial sales talk with BISL, and certainly have no documentaion showing that the organisation asked me if I wished to continue with it on renewing the policy!!

So, off to the People's Post Office today with my S.A.R - (Subject Access Request).

	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.

	Household Insurance Click link to open in new window.

[alanalana]

Good luck Painty
aa

[Paintball]

Cheers aa

[Dyanomo]

Good luck!

[Paintball]

Hi all

I received a letter today rom BISL informing me that they are sorry to hear that I'm unhappy and that they will be looking into my complaint which they anticipate will take four weeks. There is no mention of cancellation of the PPI element of my policy as I spcifically requested, so I'll be replying stating that unless they do so immediately and acknowledge in writing that this has been done, they are in further breach of FSA regulations.

The letter is a standard reply and contains a separate sheet on their 'complaints procedure' which I decline to recognise as it does respond to the specific allegation I have made, that PPI was added to my insurance policy without my knowledge or consent.

If anyone would like to see the letter I've written (if it helps in a claim)then I'm happy to post it up.

Cheers me dears

[pompeyfaith]

Good Luck with this ill toss back that donut if yah win!!!!!!!!!!!

Regards

Leon

[Paintball]

Thanks Leon



... now I'll go take a peek at your thread

[Paintball]

BISL complied with my S.A.R - (Subject Access Request). I have prepared a response requesting return of PPI payments with my case for mis-selling of PPI.

Guess what? BISL have revised my policy to include an increase in the amount that I pay for making monthly payments of my insurance from £1.53 to £4.15 per month. This is in direct proportion to the loss in PPI monthly payment, and as they term it, results from "a change that I have made to my policy".

This is not a "change", this is cancellation of a non compulsory product BISL and they do not have the right to recoup the loss of the monthly amount that they would have taken from me by making revisions to my policy which they conceal from me by NOT sending me a revised policy document, but just changing it online, thus hoping perhaps that I wouldn't notice it until the money had gone out of my account?!!!!!

This pathetic and shameful activity constitutes 'retaliatory action' and also 'concealment' which I am reporting to the Information Commissioners Office.

I will have these individuals for their shoddy practices ... and see them in court.

	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.

[johnnymitch]

That's disgraceful ........Go get 'em PB!! - xx

[Paintball]

Hello Guest

[082stewie]

Originally Posted by Paintball

BISL complied with my S.A.R - (Subject Access Request). I have prepared a response requesting return of PPI payments with my case for mis-selling of PPI.

Guess what? BISL have revised my policy to include an increase in the amount that I pay for making monthly payments of my insurance from £1.53 to £4.15 per month. This is in direct proportion to the loss in PPI monthly payment, and as they term it, results from "a change that I have made to my policy".

This is not a "change", this is cancellation of a non compulsory product BISL and they do not have the right to recoup the loss of the monthly amount that they would have taken from me by making revisions to my policy which they conceal from me by NOT sending me a revised policy document, but just changing it online, thus hoping perhaps that I wouldn't notice it until the money had gone out of my account?!!!!!

This pathetic and shameful activity constitutes 'retaliatory action' and also 'concealment' which I am reporting to the Information Commissioners Office.

I will have these individuals for their shoddy practices ... and see them in court.

Ohhh BISL why dont you just give in and avoid the wrath of The Painted one!

Glad to see the gloves are on....Im miss my own passion for a good fight. I have been dragging my heels on the welcome thing. But Ill keep a lookout for your thread, always makes for good reading!

Stewieeee

PS: Florida is booked for 18th Jan

	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.

[Paintball]

Req for payment gone today ...

Hey Stewieeeeeeeee, enjoy that trip

[WelcomeItAint!]

Hit em where it hurts Paintball haha !!

[Paintball]

Received a letter from BISL on 5 December stating that " The policy was set up via the internet [...]. When processing the application on-line, the box for PPI is automatically ticked and if the product is not required, the tick needs to be removed." ete, etc.

Well folks, this is contrary to guidelines and industry regulations; if I am truly opting in then the box should NOT be 'pre-populated' ... tut tut BISL.

A letter will be on its way ...

[johnnymitch]

They've really dropped themselves in it there - in writing

Lovely to see you back PB ...... go get 'em !

[Paintball]

I will