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.

[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.