Gingi1 v PPI (FD, Co Op & M&S)

[Gingi1]

Hi,

I have already sent a letter to M&S requesting a refund of my mis-sold PPI on my credit card (approximately £350) and am awaiting their response.

I will be claiming back PPI from First Direct as well, although I am unsure of how to get the information. I sent a S.A.R - (Subject Access Request) requesting the info and they sent me illegible copies of my loan agreements except for one. The one that I can read the states:

Amount of premium 2585.36
Amount of loan 2580.00
Charge for credit 743.56 APR 9.9%

Total payable 3323.56

But the ACTUAL loan was for £13100, so is the above just the PPI? If so, no wonder they made the other copies illegible .

When I wrote to them explaining that the copies were illegible, they replied saying that the copies were the best avaiable and if I have a problem to complain to the FO - which I have done today.
I will also be claiming back from the CO OP for a loan and my credit card.

I beleive that I have a strong case as I have proof from Allied Dunbar (now Zurich) that I had a private policy protecting me already.

How is it best to proceed? Any help appreciated.

	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.

[Gingi1]

I have now received a reply from M&S. They need more time to investigate my claim - shock horror will keep updating.

Anybody have any idea on my first post above?

[reidnet]

Hi, Have you thought about contacting the Information Commissioners Office regarding the illegible copies of agreements that you recieved, I am sure that there must be something there that states that the information has to be in a elligible form. ( I will have a look through the Information Commissioners Office regs today if i get a chance.)

Its just a thought I had..It may be of help.

Good Luck

Ian

[Gingi1]

Thanks Ian, I have sent my complaint to the FO and am awaiting their response, I included the fact that they are denying me access to my own information and hope that they will then force First Direct to play ball.

Do you have any thoughts on the PPI above? Could it really be that much?

[dellydaisy]

Hiya gingi

its possible that it could be your ppi agreement my loans for £10000
and my ppi with their interst is £1789.72

Dont know what ian thinks ???

good luck and keep us posted

delly xx

[reidnet]

Originally Posted by dellydaisy

Hiya gingi

its possible that it could be your ppi agreement my loans for £10000
and my ppi with their interst is £1789.72

Dont know what ian thinks ???

good luck and keep us posted

delly xx

The rate for the PPI sounds about right, My PPI could have cost me over £18000 on my loan. Especially with single payment PPI, which you have aslo to watch because most of these only cover a 5 year period.
I got better PPI cover for a tenth of that cost and to cover the whole period of the loan.

Ian

[Gingi1]

Thanks chaps. Will keep you posted

[Gingi1]

PPI claim against M&S won - cheque given for the full amount just after Christmas, let's hope I have as much luck with the others

[Gingi1]

Wonder if any of you can help with this:

I have asked First Direct for information regarding PPI insurance mis-sold to me on several loans and a credit card. They sent me illegible copies of my loan agreements, when I asked for clearer copies or a spreadsheet detailing the costs, they replied that the copies received are the best they can do???? I have now lodged a complaint with the FO as I believe that mis-sold PPI will total over £10,000 (last 6 years on all loans and credit cards when I had a private policy that covered me and was forced to take their policy or not be accepted for the loan/card) my questions are as follows:

a) does the statute of limitations run from the first day of my enquiry/complaint or is it a rolling date?
b) is there any other way of forcing them to give me the information required?

Regarding Co Op I am sending off their letter tomorrow. I am claiming over £2395 plus interest for PPI on a loan and all of the PPI on my credit card.

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.