Thread: Theonenonly V Alliance and Leicester

Hello theoneandonly,

Originally Posted by Theoneonly

Frist off I must say amazing website here, lots of info on how to deal with PPI claims and more So thanks to all the folks who are helping.

I am just about to issue a claim regarding my credit card.

Start date: 23/07/07
Amount: 2074.54 outstanding
PPI payments currently: £17.12pm (I have been told its x amount per £100 on the balance so this payment has changed as i have used my card)

I am about to sent a letter (provided by this site, cheers) to A&L as i believe I was mis-sold the PPI since i am a contract worker and even if i was to claim i dont think i would be able to.

I called A&L up for some information and they told me that the PPI is with a seperate comapny so they were unable to provide policy number and how much i had paid for the last 2 years.

So I am posting this for some advice on what to do next, the woman on the phone told me to send a letter into their complaints department and they will take it from there but I am unsure of who to speak to.

Please any advice would be greatly appreciated.

Cheers

I will post up what I usually do for first time posters have a look through and come back with any queries you may have.

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 loans.

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 ofcare 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...


Quote:
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.
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