PPI - Some Notes for Claimants..

[BaldyBaldwin]

quick question. . . i had 2 loans with halifax which i only found out about after a Data Protection Act request about charges, never told about it, never saw policy.
haver now got insurers name and address, so, my question is, should i send them a Subject Access Request reuest or a Data Protection Act request??
any help always appreciated
BB

	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.

[BaldyBaldwin]

ooopps. . . ment a CCA request and not a Subject Access Request , well it has been a long day

	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.

[horseychick]

Hi i was wondering if you could help.i took a new loan out in november 2006 to consolidate my debt.i was advised to take ppi as it was a large amount i was taken out,i told the personal banker that i had a bad back,but he never said if i ever claimed on my back THEY WOULD NOT PAY OUT! so i really think he missold the ppi to me! because just after new year.i could not go back to work with my back,so as usual away i went to pay for my treatment at the osteopath.in feb my disc in my lower back had burst,so i,ve tried to claim & they are saying it was a pre- existing condition.i have paided for the operation private & which has cost me a lot of money.how can this be pre-existing as i never had an operation on my back before!! can you help in this situation.

regards horseychick.

[BaldyBaldwin]

hi horsey,
sounds like you have a good case there, if you informed them of your bad back at time of taking out the PPI, you were telling them of a pre-existing condition and they should have checked the suitability of the policy they were selling you.
IMHO you should now do a Subject Access Request to the insurers to get all the relevant paperwork and see what turns up

regards BB

	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]

Have to agree with BB on that one, Get all the info from them that you can before you start your claim for mis-selling.

Ian

[hellhasnofury]

Originally Posted by horseychick

Hi i was wondering if you could help.i took a new loan out in november 2006 to consolidate my debt.i was advised to take ppi as it was a large amount i was taken out,i told the personal banker that i had a bad back,but he never said if i ever claimed on my back THEY WOULD NOT PAY OUT! so i really think he missold the ppi to me! because just after new year.i could not go back to work with my back,so as usual away i went to pay for my treatment at the osteopath.in feb my disc in my lower back had burst,so i,ve tried to claim & they are saying it was a pre- existing condition.i have paided for the operation private & which has cost me a lot of money.how can this be pre-existing as i never had an operation on my back before!! can you help in this situation.

regards horseychick.

Hello, do you still have the terms and conditions of the ppi policy. Sometimes there are excussions, such as backache and mental illness(no hope for me then) But if there is this should have been made clear to you

[mgp]

Have a loan with bank together with PPI and was considering taking a 1 month repayment holiday, have to complete a new agreement which made me aware of the high cost of PPI, my questions are can I cancel the 3 year old PPI and how would I do this? have read somewherethat some banks insist on PPI, is this is the case can it be bought elsewhere?

[hellhasnofury]

Payment protection insurance - The OFT's reasons for making a reference to the CC

Important link to read

[peterbard]

Hio
Slightly off topic i know but io wonder if yu could clarify something for me.
Iknaow that conditional PPI ie no PPI no L:oan cannot be included inthe credti but have to be in the total charge for credit nd therdfore reflect in the APR.
But earlier i noticed that PPI when voluntary can be added to the loan.
I was of the oppinion that this sort of linked transaction had to havea sepperate ageement withn the overall agreement with seperate and combined APRs.
I wonder if someone could put me straight.


Best regards
Peter

[hellhasnofury]

Originally Posted by peterbard

Hio
Slightly off topic i know but io wonder if yu could clarify something for me.
Iknaow that conditional PPI ie no PPI no L:oan cannot be included inthe credti but have to be in the total charge for credit nd therdfore reflect in the APR.
But earlier i noticed that PPI when voluntary can be added to the loan.
I was of the oppinion that this sort of linked transaction had to havea sepperate ageement withn the overall agreement with seperate and combined APRs.
I wonder if someone could put me straight.


Best regards
Peter

Hello Peter,##Nice to see you in our neck of the woods. I think your best bet is to pm reidnet. He is our champion in the ppi forum.

I was just thinking about credit agreement and the mis-selling of ppi. Surely when they have paid it back, it would make the credit agreement void.

Sorry ask a question, get a question, but its your own fault for being so knowledgable

[peterbard]

If ihey were saying it was a mandatory poicy you could say you were missold the agreement and possibly get them under 127(1) but i would have to think about it a bit more

Peter

[hellhasnofury]

Originally Posted by peterbard

If ihey were saying it was a mandatory poicy you could say you were missold the agreement and possibly get them under 127(1) but i would have to think about it a bit more

Peter

Many thanks peter

[mariejader]

My neice has charges which I think is PPI

Can anyone confirm if this is the same

Cardholder protection Plan and then it changes to Payment Protection Cover again these show montly and I guess interest is charge on top of this?

Some months she has been charged £2 other months £70, she said she did not know about them and signed up for the credit card (Lloyds TSB) on the net.

Also if she able to claim will these charges have to be on a seperate claim from her penality charges (late charges)

	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.

[hellhasnofury]

Originally Posted by mariejader

My neice has charges which I think is PPI

Can anyone confirm if this is the same

Cardholder protection Plan and then it changes to Payment Protection Cover again these show montly and I guess interest is charge on top of this?

Some months she has been charged £2 other months £70, she said she did not know about them and signed up for the credit card (Lloyds TSB) on the net.

Also if she able to claim will these charges have to be on a seperate claim from her penality charges (late charges)

Hello,

There are many names for ppi and I would think the above is ppi and they do charge interest on top

Personally I would do the two claims seperately as I would only confuse matters.

Start a thread on the ppi forum for any further questions.

	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.

[thomass1949]

You may also be eligible for claiming lost payouts, if you were turned down on a policy that you should never have been sold. The firm must reply within eight weeks.

Hi Can anyone have any useful info on the above. Its in regard to PPI's. this is quite interesting as I am attempting to get my money back because I was constantly refused when claiming.

[thomass1949]

Originally Posted by thomass1949

You may also be eligible for claiming lost payouts, if you were turned down on a policy that you should never have been sold. The firm must reply within eight weeks.

Hi Can anyone have any useful info on the above. Its in regard to PPI's. this is quite interesting as I am attempting to get my money back because I was constantly refused when claiming.

Hi. I am wondering if anyone can help me with the above as I have not had any contact from anybody about this. Has nobody chase their PPi's regarding this or is this a new area to be tackled. If anybody does have any experience of deal with this issue PLEASE post it on this site. Its very lonely in this place. Thank you.

[casbah]

I am trying to sort out the PPI but its quite a complex area at the mo. I don't think anyone has got very far. My complaint is with YES CAR and trying to get a half decent answer from them is like trying to translate the davinci code

[reidnet]

Hi Thomass1949,
I would recommend that you start a new thread on the above matter, that way more people will probably read it and hopefully you will get all the help that you need.

Good luck

Ian

[bandonbhoy]

Ian,

because of many things affecting me I was not able to process my PPI with Cap one until recently. To sumarise for new readers I took out card in January 2001, had pre existing medical condition that they knew about but on medical/hospital advice in March 2001 had to take early retirement. Phoned cap one about it at the time, and was given run around. It was not until I found this site, read your posts, read the OFT report, read about Cap One fines for mis selling that I decied to pursue it. Had charges refunded after filing court claim with their interest rate of 24%. Now had chance(after several turn downs to request for return of PPI) to file claim(Summary Cause Claim) for PPI with similar rate. Lo and behold they offer to send cheque for the charges plus the interest at 8%, only after receiving court papers. They'r not on, They also say it will take 14 days to process cheque hence another 14 days interest should also be added. So thanks again for your presence and advice on this site Ian. Others please follow this guy's advice.

	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.

[bathgatebuyer]

Me too, fellow BB person!

In my instance it's for nearly £2K worth of PPI fees paid on a credit card. They've not been able to produce a CCA and so I have no way of knowing whether I originally asked for it or not when taking the card out in 2001. Regardless, despite claiming more than once, they've never paid out on the basis that I hadn't been with employers longer than 6 months before unemployment (last in, first out situations!). So, I'm asking for it back.