Hi

When signing up for a Alliance and Leicester accout they automaticaly signed me up for CCP Card Protection, and i was unaware, a payment came out of the account befor i was able to transfer my wages ect so £70 annual fee went out then several charges totaling £175 pounds, i wrote to A&L explaining this had no reply and now notice the account is now in deafult but the balance iss £0

EXPERIAN:

NAME ADDRESS

DOB

ALLIANCE AND LEICESTER PLC CURRENT ACCOUNT

STARTED 21/07/09 OVERDRAFT BALANCE £0 SETTLED 07/03/08

STATUS HISTORY 3333222UU

FILE UPDATED 30/03/09

Hi

 

When signing up for a Alliance and Leicester accout they automaticaly signed me up for CCP Card Protection, and i was unaware, a payment came out of the account befor i was able to transfer my wages ect so £70 annual fee went out then several charges totaling £175 pounds, i wrote to A&L explaining this had no reply and now notice the account is now in deafult but the balance iss £0

 

EXPERIAN:

NAME ADDRESS

DOB

ALLIANCE AND LEICESTER PLC CURRENT ACCOUNT

STARTED 21/07/09 OVERDRAFT BALANCE £0 SETTLED 07/03/08

STATUS HISTORY 3333222UU

FILE UPDATED 30/03/09

Have you asked for your money back yet?

If not can you post the latest update or are you wanting to start a claim?

Very little information on what you want to do?

aa

just wandering what i can do!

just wandering what i can do!

Firstly have a look at this.

Alliance & Leicester to pay £7 million fine for PPI failings

Check up to see if the dates on your card PPI match the dates that A&L were mis-selling.

To claim back your PPI you will need to obtain copies of your data ie Consumer Credit Agreement etc...see these links for template letters for a Subject Access Request.

Full SAR for ppi

Data Protection Act 1998 - Subject Access Request

You should request the following documents:

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the card.

Copies of all statements applicable to the card.

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

Copies of all recorded telephone calls or transcripts of the recordings.

A copy of the needs and wants/ customer duty of care questionnaire... here is an example.

http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

Copies of any notes made by any staff in their dealings with you.

Also have a look in these links for further help.

PPI - Some Notes for Claimants..

links within this one are loads more links here are a couple that may help..

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS

loan payment protection insurance and a quote from this link...

When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.

Once you have all the data time to send a letter asking for your money back.

aa

hi do i have to send a SAR as i have already got all the letters they have sent me and all statements. i would prefer to find out whty they took the £70 origionally CCP CARD PROTECTION PAYMENT, i never signed anything, surely a CCA would be better?

just trying to understand

hi do i have to send a Subject Access Request as i have already got all the letters they have sent me and all statements. i would prefer to find out whty they took the £70 origionally CCP CARD PROTECTION PAYMENT, i never signed anything, surely a CCA would be better?

 

just trying to understand

Got your PM. Yes you are correct. If you have all of the relevant paperwork statements letters etc that is fine but for the Consumer Credit Agreement you should send a request under section 77 of the Consumer Credit Act 1998 as here,

77. Duty to give information to debtor under fixed-sum credit agreement.

— (1) The creditor under a regulated agreement for fixed-sum credit, within the prescribed period after receiving a request in writing to that effect from the debtor and payment of a fee of [F5 £1], shall give the debtor a copy of the executed agreement (if any) and of any other document referred to in it, together with a statement signed by or on behalf of the creditor showing, according to the information to which it is practicable for him to refer,— (a) the total sum paid under the agreement by the debtor;

(b) the total sum which has become payable under the agreement by the debtor but remains unpaid, and the various amounts comprised in that total sum, with the date when each became due; and

© the total sum which is to become payable under the agreement by the debtor, and the various amounts comprised in that total sum, with the date, or mode of determining the date, when each becomes due.

(2) If the creditor possesses insufficient information to enable him to ascertain the amounts and dates mentioned in subsection (1)©, he shall be taken to comply with that paragraph if his statement under subsection (1) gives the basis on which, under the regulated agreement, they would fall to be ascertained.

(3) Subsection (1) does not apply to—

(a) an agreement under which no sum is, or will or may become, payable by the debtor, or

(b) a request made less than one month after a previous request under that subsection relating to the same agreement was complied with.

(4) If the creditor under an agreement fails to comply with subsection (1)— (a) he is not entitled, while the default continues, to enforce the agreement; and

(b) if the default continues for one month he commits an offence.

(5) This section does not apply to a non-commercial agreement.Annotations:

Amendments (Textual)

F5

"£1" substituted (1.5.1998) in s. 77(1) by S.I. 1998/997, art. 3, Sch.

[F6 77A Statements to be provided in relation to fixed-sum credit agreements

(1) The creditor under a regulated agreement for fixed-sum credit— (a) shall, within the period of one year beginning with the day after the day on which the agreement is made, give the debtor a statement under this section; and

(b) after the giving of that statement, shall give the debtor further statements under this section at intervals of not more than one year.

(2) Regulations may make provision about the form and content of statements under this section.

(3) The debtor shall have no liability to pay any sum in connection with the preparation or the giving to him of a statement under this section.

(4) The creditor is not required to give the debtor any statement under this section once the following conditions are satisfied— (a) that there is no sum payable under the agreement by the debtor; and

(b) that there is no sum which will or may become so payable.

(5) Subsection (6) applies if at a time before the conditions mentioned in subsection (4) are satisfied the creditor fails to give the debtor— (a) a statement under this section within the period mentioned in subsection (1)(a); or

(b) such a statement within the period of one year beginning with the day after the day on which such a statement was last given to him.

(6) Where this subsection applies in relation to a failure to give a statement under this section to the debtor— (a) the creditor shall not be entitled to enforce the agreement during the period of non-compliance;

(b) the debtor shall have no liability to pay any sum of interest to the extent calculated by reference to the period of non-compliance or to any part of it; and

© the debtor shall have no liability to pay any default sum which (apart from this paragraph)—

(i) would have become payable during the period of non-compliance; or

(ii) would have become payable after the end of that period in connection with a breach of the agreement which occurs during that period (whether or not the breach continues after the end of that period).

(7) In this section ‘the period of non-compliance’ means, in relation to a failure to give a statement under this section to the debtor, the period which— (a)begins immediately after the end of the period mentioned in paragraph (a) or (as the case may be) paragraph (b) of subsection (5); and

(b) ends at the end of the day on which the statement is given to the debtor or on which the conditions mentioned in subsection (4) are satisfied, whichever is earlier.

(8) This section does not apply in relation to a non-commercial agreement or to a small agreement.]Annotations:

Amendments (Textual)

F6

S. 77A inserted (16.6.2006 for certain purposes and otherwise prosp.) by Consumer Credit Act 2006 (c. 14), ss. 6 , 71(2) (with Sch. 3 para. 2); S.I. 2006/1508, art. 3(1) , Sch. 1

Hope this helps you out

aa

this letter?

I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77(6) will apply.

If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.

Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR).

I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.

If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.

We look forward to hearing from you.

Yours faithfully

That will do nicely.

I'd like to try claiming 'card protection' on a Barclaycard from c1999.

Is there a template letter anywhere.. I can't find one in the library?