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Hello
I sent an SAR to Abbey Card/ MBNA expecting to get a copy of the form showing PPI was requested and the policy. I just received a small slip which is I believe an enforceable agreement albeit very small It shows a Cr Limit and financial & related conditions on the back, it looks like a tear of slip. My main concern is that there is absolutely nothing relating to PPI and yet I have been charged from the start in Sept 02. I have a copy of the transaction list from Feb 03, BUT NO STATEMENTS SHOWING WHAT interest RATE WAS USED OR RUNNING BALANCE. So I haven't got the full list to do a spreadsheet for my claim. I am self Employed and was told a card would not be issued without PPI. So how do I do the spreadsheet without the full story and what interest do I charge on each payment.
Oh dear such a lot of questions Help. Why do I offer to help my kids.
Hello
I sent an SAR to Abbey Card/ MBNA expecting to get a copy of the form showing PPI was requested and the policy. I just received a small slip which is I believe an enforceable agreement albeit very small It shows a Cr Limit and financial & related conditions on the back, it looks like a tear of slip. My main concern is that there is absolutely nothing relating to PPI and yet I have been charged from the start in Sept 02. I have a copy of the transaction list from Feb 03, BUT NO STATEMENTS SHOWING WHAT interest RATE WAS USED OR RUNNING BALANCE. So I haven't got the full list to do a spreadsheet for my claim. I am self Employed and was told a card would not be issued without PPI. So how do I do the spreadsheet without the full story and what interest do I charge on each payment.
Oh dear such a lot of questions Help. Why do I offer to help my kids.
If they have not provided this information then send them a SAR non compliance letter, giving them a further 7days,and spell out to them the information that is lacking
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
Thanks HHNF
Done andposted recorded. This is now the 3rd request for statements and PPI info. I don't think they are reading the letters properly.
See what this one brings. !!!!
Hello again.
Well I kept following this through and requesting the data the last letter I sent is copied below. Now out of the blue I have a county court summons from CL Finance for the balance they say is owing on the card. I have no letter of assignment. I did get a letter threatening to put the debt on to a third party but not letter when they actually did it. I got a call from a guy who said he was a solicitor but did not discuss the situation with him he was rather rude. What now obviously I have to acknowledge service of this.
Further to your correspondence dated 16/04/2009 I draw your attention to my previous correspondence dated 22nd January 2009, 26/03/09 and 20/04/09
I re-iterate that until my request for information under the consumer credit act 1974 and Subject access request has been complied with, this account remains in dispute.
As a result of this dispute, you may not:
* demand any payment on the alleged account, nor am I obliged to offer any payment to you.
* add further interest or any charges to the alleged account.
* pass the alleged account to a third party.
* register any information in respect of the alleged account with any credit reference agency.
* issue a default notice related to the alleged account.
I also take this recent corresp9ondence to indicate that you are still continuing to process my personal data, which puts you in breach of the data protection act.
If any correspondence id received from yourself without full compliance with my request for information under the consumer credit act
I will report you to the regulatory authorities and issue court proceedings for this breach
Hello again.
Well I kept following this through and requesting the data the last letter I sent is copied below. Now out of the blue I have a county court summons from CL Finance for the balance they say is owing on the card. I have no letter of assignment. I did get a letter threatening to put the debt on to a third party but not letter when they actually did it. I got a call from a guy who said he was a solicitor but did not discuss
I re-iterate that until my request for information under the consumer credit act 1974 and Subject access request has been complied with, this account remains in dispute.
As a result of this dispute, you may not:
* demand any payment on the alleged account, nor am I obliged to offer any payment to you.
* add further interest or any charges to the alleged account.
* pass the alleged account to a third party.
* register any information in respect of the alleged account with any credit reference agency.
* issue a default notice related to the alleged account.
I also take this recent corresp9ondence to indicate that you are still continuing to process my personal data, which puts you in breach of the data protection act.
If any correspondence id received from yourself without full compliance with my request for information under the consumer credit act
I will report you to the regulatory authorities and issue court proceedings for this breach
Yours faithfully.
It has been months since you posted, so I am not certain as to how to advise on your latest post.
I would suggest that if you have had no satisfactory response to your Subject access request on the issue of PPI as is required under the Legal legistlation of the Data Protection Act 1998 that you inform Abbey that their failure to respond is now going to result in a serious formal complaint to the Information Commissioners Office, Office of Fair Trading, Financial Services Authority, Office of Fair Trading.
When a Subject Access Request is submitted with the statutory fee of £10.00 then Abbey are legally obliged to provide the information requested within the SAR as applicable to you as a Subject Data Access Request individual.
Have a look at the legal forums for more assistance now it is getting to the fighting stage.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
This is getting a worry now. Cl Finance are stating that they are claiming on behalf of MBNA.I have been dealling with Abbey and have signatures for all the letters. I know that abbey card is issued by MBNA. there are so many different post codes. I don't think the right hand knows what the left hand is doing. I have never recived a letter of assignment from Abbey or MBNA and I am still waiting for information re my last5 letter sent as above. I have acknowledged receipt and stated that I intend to defend. But what do I put as a defence all very complicated they are using Howard Cohen. HELP !!!!
Ivan PPI Abbey Card
to Abbey Card/ MBNA expecting to get a copy of the form showing PPI was requested and the policy. I just received a small slip which is I believe an enforceable agreement albeit very small It shows a Cr Limit and financial & related conditions on the back, it looks like a tear of slip. My main concern is that there is absolutely nothing relating to PPI and yet I have been charged from the start in Sept 02. I have a copy of the transaction list from Feb 03, BUT NO STATEMENTS SHOWING WHAT interest
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Originally Posted by anney63
