Thread: Credit Card PPI 20 years

I hope I have posted this in the correct section of the forum.
I have cancelled what I recently discovered was PPI insurance on my mastercard credit card. I feel rather foolish about the whole situation as I have had this card for so long and and paid the credit card in full every month on time without paying interest, and had assumed that the amount labelled 'Insurance Premium' on my statements was for insurance to cover theft or fraud.
After making a call to the bank to establish exactly what the insurance premium was - they confirmed it was with the Norwich Union and and as instructed cancelled it immediately.
I made a request to the Bank for the original credit card application form, to see exactly where I had requested PPI, and they have responded with 'we cannot find the application and appears to have got lost during branch relocations' !!
Would I have a valid claim after paying the insurance premium for so long - i believe to be around 20 years?
PS
I also have my mortgage with the same Bank - Northern Bank and don't even have PPI for the mortgage. !!

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If you did not know what it was for id say that was a valid claim as mis-sold the fact that they say they dont have any docs anymore goes in your favour also why are they charging you for PPI when they do not have an agreement.

You need to start the ball rolling by sending off a S.A.R for which they have 40+2 days to reply link to template letter below just adapt to suit your needs.

http://www.consumeractiongroup.co.uk...s-request.html


This is to get all info they hold on you like statements etc get this off a.s.a.p.

1. Do you have any statements
2. Do you have a ppi policy booklet

Have a look and dig out what you can find then come back here for help.

Anymore questions just post here we are here to help.

Regards

Leon

Here goes my journey begins

Many Thanks

Sent my letter today recorded delivery-
The countdown begins!!

Good stuff id keep a note on your pc of dates can be very important and its 40 days plus 2 to allow for postage.

Regards

Leon

Hi there.
sorry to hear about your problems, and hope you resolve them, but you may be able to assist me.
My PPI was also with norwich union back in 1998 and they also tell me they dont have a copy of the original ppi i took out, but i wondered if you have a copy of the terms and conditions of the ppi from norwich union that you could poss scan or email to me.
I would be most gratefull.
Tony pepper
j_pepper@btconnect.com
0120603708
PS hope you get yours sorted out.
dont worry if you cant help me it was a long shot anyway.

Tony,- I was hoping that the bank would provide a copy of the T&C!

I still have not received any correspondence back from the Bank -and after checking with Royal Mail they could not confirm that the letter had been sent to the Bank- they could not produce a copy of the signature for the recorded delivery.
Yesterday I hand delivered the letter to the Bank and passed to a staff member.
I again wait for a response!

If this was sent special delivery i see no reason why it did not get there when did you check with the royal mail if it was recently the chances are that royal mail have removed the tracking from there data bases being as it was 10th oct 08 you sent it.

The bank are now past the statutory period of 40 days so i would be sending a letter of complaint to the information commissioners office as they have broken the date protection act by not supplying the info requested.

Information Commissioner's Office - ICO

As for what you do now you have two choices you can send the bank a letter before action or another polite letter explaining that they are now passed the statutory period and that you will give them another 14 days to correct there mistake before you escalate the matter.

Regards

Pompeyfaith

Pomey,
I had been attempting to get a copy of the signature using track and trace, and ended up phoning and was informed that it could take upto three weeks for the signature to be put on the system. After further calls Royal Mail informed may that it is now 'lost' and sent me a claims form to claim a refund!
My cheque has not been cashed -so I have no proof that the letter arrived.
This time I hand delivered to the branch.

OK just make sure they pass it on to the data controllor as this is the person that deals with cca and SAR's.

Regards

Pompeyfaith

The Bank have today confirmed receipt of my request and informed me that under the terms of the Data Protection Act they have 40 days to provide me with the information!

Whats the next move?
I have now received a bundle of papers from my bank-mainly copies of my credit card and current account statements for the past 10 years.
There is no application forms in relation to the my credit card, but at least I am now in a position to calculate how much I have paid in PPI.

Any advice would be greatly appreciated!

I have now thoroughly checked the information provided from the Bank and there is no Credit Card application form application. I have totalled the PPI charges for the past 10 years ( the statements I received covered the last 10 years only)
What is the best way to move this forward?

Thanks
Locksleyone