PPI template letter

[willowthewysp]

Is there a template letter available for claiming back mis-sold PPI payments?
I have tried to word my letter correctly, but I am no good at writing letters, and the end result is a very poor attempt!

Any help would be very much appreciated!
willow x

[dellydaisy]

Hi ive used the one reidnet had on his thread and put my circumstances and details in it.
Its reid v lloyds 2 ppi insurance settled in full

If your stuck i,ll paste a copy of my letter up for ya.

I have asked the site owners if ppi can have its own templates etc.. but there looking for volunteers!!!

[willowthewysp]

Many thanks dellydaisy!...will check it out now!

[willowthewysp]

Having looked at reid v lloyds i notice its for a loan ppi...mine is from a credit card...not sure how i would work around it?

[dellydaisy]

Originally Posted by willowthewysp

Having looked at reid v lloyds i notice its for a loan ppi...mine is from a credit card...not sure how i would work around it?

Dont know if the others would be able to help but i,d just re word it around your circumstances, after all its still a ppi thats been mis sold ???

Is there anyone else that can help???

[bandonbhoy]

I wrote basis of letter incorporating quotes from OFT report in October. But because I was not working when took out card, it was easier, but I suspect it was because I was able to cite aspects of that report to get my money bacjk from MBNA credit card. Capital One insisted on me paying the £10 fee to get the recordsback. they had previosly sent me dates and amounts for the charges. so am now waiting for statements so that i can ppi claim. will keep you posted

[reidnet]

Hi,
Yeah the PPI ones that I am fighting are related to Personal loans and not Credit Card, Many of the arguements would be the same but might just need some fiddling about with to meet individual circumstances.

The most common response appears to be be " you ticked the box requesting PPI so Tuff S**t.. When my arguemnets have been I was told that if no PPI you wont get the loan.

My second claim is about to hit the court, Im not sure if this will be before Xmas though..just an expensive time of year..lol. Im also having to take this one through the English Small Claims court, which means if they do defend and go to court I will have to travel (6Hr Drive) to attend court in Wolverhampton.

Ian

[muff]

hi everyone muff here i have just joned tcag and hope i could be useful to members and vice versa hope you all have a prosperous and profitable refund s year

[reidnet]

Originally Posted by muff

hi everyone muff here i have just joned tcag and hope i could be useful to members and vice versa hope you all have a prosperous and profitable refund s year

Hi Muff and welcome to CAG, any help and knowledge that you have on PPI would be a great advantage to us here. I have spent many days and nights reading up on PPI.

There is a lot of reading out there too..lol

Good luck in your claim my..

Just a note since your new member too..

Before you start please have a thorough read of the FAQs (there’s a Step by Step guide here too). You should print both of these out to refer to, so as to avoid having to ask basic questions later.

Then look at other threads in your bank’s forum, so as you know what you can expect to happen

You need to spend 2 or 3 days gradually getting your head round everything. If you find a forum/thread/post of interest, save it in your Favourites, so as you can always find it easily. Here’s one to start with, which you should find useful later:
Can't Find What You're Looking For? Here's A Complete A-z Index

There’s a lot to take in, but it’s time well spent and will ensure that you succeed in your claim without problems. Remember it’s not a race, don’t rush, just follow the guidelines one step at a time

This is a self-help forum and you must be prepared to put in time and effort. It is your claim, your money and you cannot expect others to do all the work for you.

When you feel confident that you understand the process and the various stages involved, start a new thread in your bank’s forum and post your progress and any questions there and you’ll get plenty of help

All the info to get you started is here:
http://www.consumeractiongroup.c o....se-read-these/

Don’t be afraid to ask for help,, we are all in the same boat.

Good luck

Ian

	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.

[boxer64]

hi guys,
been browsing threads and faqs, as i have both bank and PPi claims with both abbey and halifax.
does any one know if mortgage account charges come under the same principles? read the faqs i hear people say!

anyway after reading various samples and templates, have come up with this version or the S.A.R - (Subject Access Request) letter to get details of all accounts
any comments please feel free i should be sending these out in a couple of days.
its a bit long winded but i think it covers the microfich etc...arguments

i have an existing 10,000 loan, with halifax taken out in 2004 with ppi, im doing the mis-sold route with a couple of arguments.
i made a claim on ppi, and was told, no can do as i was dismissed.
phoned to cancel PPi, told to take out new loan with no ppi, oooops! not working means no new loan.
this was followed by them raiding my bank account of £65 to get their premium , now 11p overdrawn.
this is the info on my loan agreement need some help on what to claim.

1. amount of credit (cash loan) 10,000
2. add total charge for credit (cash loan) 2,548.76
3. total i pay for cash loan 12,548.76 1+2
4. ppi loan ( cash price ppi) 2,364.76
5. add total charge for credit for ppi loan 602.96
6. total i pay for ppi loan 2,967.72 4+5

• apr 6.5%
• loan 12,364.76
• total charge for credit for loan 3,151.72
• total i pay 15,516.48
• monthly interest 0,511%
• arrangement fee (1% of loan and 1% ppi loan) already included in 2+5

HERE'S A GOOD ONE Your Right To Cancel 5days

going to browse the spreadsheet templates to see how to work out sched of claim

similar position with abbey for first my first loan although they have accepted my ppi claim on second loan.

as before any comments or help feel free.

oh yes the S.A.R - (Subject Access Request) letter

Data Protection Act 1998
Subject Access Request

Dear Sir/Madam


I understand that you currently hold details of my personal and financial information within your internal record systems with regards to bank and personal loan accounts

Account Numbers inclusive but not limited to:
ACCOUNT Nos:
xxxxxxxxxxxxxx


Please supply me with a complete list of transactions and charges relating to my banking history with your organization, INCLUDING Loans and any other products, Alternatively a complete set of statements for the accounts or associated accounts is acceptable
I would be grateful if you would provide the following for ALL accounts or associated account I have held with your organization:

· Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of same.

· A complete list of all transactions or statements relating to ALL my loan accounts with your organization.

· Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

· Full copies or transcripts of any computer logs or database records kept in relation to me or in relation to my financial or personal information.
·
· Full copies of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial information, or which pertains to me.

· Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data
· .
· Full hard copy print outs of any of my personal or financial information held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your feel. If you are unable to deal with this request, you should immediately forward it to the person within your organization responsible for Data Protection.

I look forward to hearing from you in the first instance of receipt

	What are your rights at work Follow this link to read the review of the Guide to your Rights at work, published by Lawpack

	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.

	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.

[reidnet]

Hi Boxer, re your question
"does any one know if mortgage account charges come under the same principles".. Simple answer YES

Ian

[boxer64]

Hi again ,
thanks for that Reident,
i've sent of my S.A.R - (Subject Access Request) letters, now this is the preliminary letter for ppi refund that i am sending to to Halifax as my loan is still running my circumstances are slightly different.
but if its good for anybody feel free.

this is the registered offices address, but i will be faxing copies to relavent branches and offices.

Halifax Plc
Trinity Road
Halifax
West Yorkshire
HX1 2RG

Ref: Account xxxxxxxxx
Claim for : Refund Of Personal Loan Insurance Payments & Associated Interest.

Dear Sir or Madam,


On the 15/10/04 I was approved a loan for £10,000, I was advised that as a condition of the loan, a payment protection insurance(PPI) would be part of the loan; as it would insure payments would covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £2,997.72

It is fact that you are not allowed to make(PPI) a condition of a loan.


I telephoned to cancel the PPI insurance and was told that this was not possible.


I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI , including all associated interest.
And that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1and itself as detailed.

Quoting from the mentioned Personal Loan Agreement,“If unsatisfactory goods or services are obtained under a transaction financed by this agreement, I have the right to sue the supplier, yourself or both.

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

Yours faithfully,

Mr M. Gordon

doing another version for abbey now, any bcomments feel free

	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.

[reidnet]

Looks good to me..

Good Luck

Ian