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i have sent my SAR off got the repnse i needed in record time but i do not understand statements.it says something about capitalization which i dont understand.also i faxed a letter saying i wanted to cancel my PPI but they havent done.what do i do next
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
got a letter yesterday cancelling the PPI and sending a new direct debit agreement and a new payment amount each month.today i get a letter saying they are repaying ppi
i have just received my final response letter from welcome.They are repaying the premiums i have paid on the present loan.On the others they say it was my fault and that they follow strict guidelines and that all their staff have passed a specific insurance sales training course.They also say that i was made aware that the PPI would comprise part of the monthly repayments as shown by the signed personal agreements
in short where do i go from here. I was never made aware of the fact that the ppi was optional and was never told that i could cancel it at any time
When you got all the info from your SAR back, did it have all the stuff for the insurances - policies, who the insurer was, Breakdown of fees (commission, payment to insurer) etc?
I am betting it didn't. When I had to buy their insurance I wasn't asked a single question to see if it was suitable - if I had any health issues, any of the exemptions etc. You need to see if the policy would have even covered you in the first place.
doesnt say who the insurer is you are correct i got statements of all the payments i have made and its got summat called capitalization on it and copies of my agreements
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
got a letter yesterday cancelling the PPI and sending a new direct debit agreement and a new payment amount each month.today i get a letter saying they are repaying ppi
Originally Posted by leedspete
i have just received my final response letter from welcome.They are repaying the premiums i have paid on the present loan.On the others they say it was my fault and that they follow strict guidelines and that all their staff have passed a specific insurance sales training course.They also say that i was made aware that the ppi would comprise part of the monthly repayments as shown by the signed personal agreements
in short where do i go from here. I was never made aware of the fact that the ppi was optional and was never told that i could cancel it at any time
This is a bit confusing.. are they repaying the PPI or not ?
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
got a letter yesterday cancelling the PPI and sending a new direct debit agreement and a new payment amount each month.today i get a letter saying they are repaying ppi
they are just repaying the ppi i have paid on the present loan
dippy i was just asked for a pound and thought that was all i needed to send
they are just repaying the PPI i have paid on the present loan
dippy i was just asked for a pound and thought that was all i needed to send
Aha.. sorry I didnt realise there were 2 loans.
There are 2 ways to get information one is the CCA for which you should receive. your credit agreement, the terms and conditions at the time the account was opened and a copy of the current terms and conditions, this will cost you £1.00.
The other way is to make a full S.A.R., this will cost you £10.00 and they should provide you with ALL information they hold on you. Statements, contracts, t&cs, correspondence, log of telephone conversations, if they have recorded them as they say they do, they should provide you with either a transcript or tape/CDrom. Insurance documents, etc, etc.
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
I am glad you got your current PPI sorted. I know it may seem a carry on, but I know that 2 lots of welcomes insurance can mount up to a bit of money, and if it was missold you are entitled to that back.
It will no doubt take a good while, but it is all by letter...
Send the SAR request away with £10 postal order - will get you the template
Once you get all your info through you we can see what they have/haven't sent you and we can help you with the next letter. Once you go through their complaint procedure then just pass it to the Ombudsman who will investigate for you and let you know.
It is up to you but if you want to fight them, we will certainly help
Dipply75
I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat!
OK, well that save a load of time I suppose then! I would send the SAR, usual stuff - send recorded and do not sign - and see what they send.
Once you get it through you can either send them one letter offering them a final chance to settle, detailing whatever proof we can find...then of to the fos, or just straight to the FOS and let them deal with it.
The letter template I think best to use is here. Let us know what you decide
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 PROTECTION.
I look forward to hearing from you in the first instance of receipt.
Yours faithfully
Dipply75
I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat!
The Consumer Forums
me v welcome
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Originally Posted by leedspete
