Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)




Last Will and Testament Kit


Make a legally valid will without the fuss and expense of a solicitor - includes a full step-by-step guide.

£9.99 + £1.50 (P&P)

BAILIFFS - The Law and Your Rights

Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.

The book is easy to understand and clearly explains the rights a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.

£13.95 + £2.00 (P&P)


Reclaim the Right Ltd. - reg. 05783665 in the UK

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  1. #1
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    Default Full SAR for ppi

    Hello,

    There have been a few request for S.A.R - (Subject access requesticon) templates on the forum lately.

    This is the one that I have sent, specifically asking for all information and this included PPIicon. You have to literally spell it out for them, because this is the information they really don't want you to have. Best to send a £10 postal order with it for the fee payable under the DPA

    Your address

    Their Address

    Date

    DATA PROTECTION ACT 1998
    Subject access requesticon


    Dear Sir/Madam
    Your name: xxxxxx
    Account No/ No’s



    I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

    Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and 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 accounts 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 the same.

    - A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

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

    -Full copies or transcripts 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, 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 authorised officer of your company, confirming the dates and methods of destruction of this data.

    -Full hard copy print outs 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 fee.

    IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

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

    Yours faithfully


    Your name

    Sign your signatureicon and put a line through it so you will know if you see it again:o You never know

    They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.

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    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  2. #2
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    Default Re: Full SAR for ppi

    Nice one HH.

    This is one of the more confusing subjects, but with you on our side, at least we have a chance.

    HHNF for site helper....NOW...

    .



    I Wish you everything you wish yourself.

    .


    NatWest Claimed £1,639. Accepted £1,344.
    Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
    Barclays 1 Claimed £1,260. Won by default. Paid in full
    Barclays 2 Claimed £2,378. Won by default. Paid in full
    Birmingham Midshires. Claimed £2,122. Accepted £2,075.





  3. #3
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    miss muppet Informative miss muppet Informative miss muppet Informative miss muppet Informative miss muppet Informative

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    Default Re: Full SAR for ppi

    I'll second that


  4. #4
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    Default Re: Full SAR for ppi

    Quote Originally Posted by tonycee View Post
    Nice one HH.

    This is one of the more confusing subjects, but with you on our side, at least we have a chance.

    HHNF for site helper....NOW...
    Heh Tony behave now,

    I just choked and spluttered my tea all over the keyboard reading you comment. Thanks for the clicky thing. It is much appreciated.

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  5. #5
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    Default Re: Full SAR for ppi

    Im serious.
    Your obvious selfless crusade to the cause is admirable and much appreciated.
    This particular forum would fail allmost overnight without you.
    You and CAGicon compliment each other, and therefore us, completely.


    Have a think please.

    http://www.consumeractiongroup.co.uk...hp?f=111&a=113

    .



    I Wish you everything you wish yourself.

    .


    NatWest Claimed £1,639. Accepted £1,344.
    Natwest Paid me again as GOGW £1,656. Yes they can have it back if they say please.
    Barclays 1 Claimed £1,260. Won by default. Paid in full
    Barclays 2 Claimed £2,378. Won by default. Paid in full
    Birmingham Midshires. Claimed £2,122. Accepted £2,075.





  6. #6
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    Default Re: Full SAR for ppi

    HHNF for site helper gets my vote too. I dont know where I would be without her help and support. She has helped so many people with their PPIicon claims as well as dealing with her own.


  7. #7
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    Default Re: Full SAR for ppi

    hear hear!
    HHNF has been there for all of us +still helping me
    i'll be in touch again v.soon hell!
    regards shirl


  8. #8
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    Default Re: Full SAR for ppi

    Bumping this one up, I am going to ask the mods if this can be a sticky and then it won't get lost on the forum

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  9. #9
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    Default Re: Full SAR for ppi

    Brilliant repy to my thread. Bless you all.
    Merry Christmas.
    Col.


  10. #10
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    Default Re: Full SAR for ppi

    ty so much for this, I didn't know where to start as the loan was taken out by my husband while we were seperate for a while and I dont know how he managed to be accepted, but this way I can get all the information off the company themselves ty so so much


  11. #11
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    Default Re: Full SAR for ppi

    PPIicon is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?


  12. #12
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    Default Re: Full SAR for ppi

    Quote Originally Posted by moosetea View Post
    PPIicon is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?
    Whoever sold it to you They are the ones that they made the profit on it for their unjust enrichmenticon. These policies were sold on a lets make commission or reach target basis, and millions of pound were made in profit for these companies and banks. Did I just say that pppfffttt

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  13. #13
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    Default Re: Full SAR for ppi

    Can anyone advice please

    Should the loan application and/or loan agreement form show what percentage of the monthly repayment is PPIicon and what is the loan repayment?


  14. #14
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    Default Re: Full SAR for ppi

    The loan agreement is what you need to look for. This document is required to specify the amount that you have borrowed together with any anciliary charges which have been added to the loan. This will include total interesticon payable, your monthly payments and any insurance products you may have attached to the loan.

    I hope this is helpful.


  15. #15
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    Default Re: Full SAR for ppi

    Hi,

    I have submittes your SARicon and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPIicon 2 months ago, the bank is still charging me this protection cover.

    Help me out please


  16. #16
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    Default Re: Full SAR for ppi

    Just wondering would this include recording of telephone callsicon, Eggicon are saying they cant find mine.


  17. #17
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    Default Re: Full SAR for ppi

    Quote Originally Posted by charliebright View Post
    Hi,

    I have submittes your S.A.R - (Subject access requesticon) and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPIicon 2 months ago, the bank is still charging me this protection cover.

    Help me out please
    Hello CB,

    They have 40days to comply, so tick, tock. I would also write again to them and remind them that you cancelled the ppi two months ago and you wish written confirmation that they have done so Can you post your questions on your thread, so that we can see the whole picture on it please

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  18. #18
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    Default Re: Full SAR for ppi

    Quote Originally Posted by gibbyni View Post
    Just wondering would this include recording of telephone callsicon, Eggicon are saying they cant find mine.
    Hello Gibbyni,

    The information they should provide is all information, this includes any recordings of telephone callsicon and transcripts of these calls.

    If they do not have them, don't be discouraged, it may be more to your advantage, in that they have no proof

    If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

  19. #19
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    Default Re: Full SAR for ppi

    Quote Originally Posted by hellhasnofury View Post
    Hello Gibbyni,

    The information they should provide is all information, this includes any recordings of telephone callsicon and transcripts of these calls.

    If they do not have them, don't be discouraged, it may be more to your advantage, in that they have no proof
    The reason for asking was to get the call have a look at my other thread where the fosicon have turned me down
    http://www.consumeractiongroup.co.uk...-rejected.html
    the telephone callicon would prove that it was missoldicon


  20. #20
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    Default Re: Full SAR for ppi

    What is the difference of PPIicon and LLP(Loan for Loan Protection Insurance)?


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