Hi everyone,
You guys advised me ages ago to submit an
Subject access request to
HBOS
and Tesco Loans on a matter of me having paid the Total mortgage Protection plan Insurance (to Halifax) and for
PPI for a Tesco Loan. I was supposed to be covered for critical illness and loss of employment, but when I suffered both and made a claim I was rejected.
I won't go into the details - as it's quite long, but HBOS just sent me back a mass of paper work - none of which I can see refers to the
mortgage Protection Plan insurance or my claims when I became ill and subsequently loss my job. Same with Tesco, they in fact sent me one bank statement and a contract for a £10k loan paid off ages ago - but no mention of the PPI that was charged for it. There was no mention of the £25k loan which I took out after paying of the £10k loan - and again no mention of the PPI or the transcripts of phonecalls between myself and their insurance staff in which I categorically asked about whether I would be covered if I loss my employment or became seriously ill that I wouldn't be able to work.
I'm hoping you can tell me what I can do now... I paid their £10 fee, and they were slightly later than the 40 days allotted on replying. HBOS overwhelmed me with tons of paperwork, but managed to leave out the most important stuff on the insurance premiums and the subsequent claim. There was no record of my emails to them, or the phonecalls I made, the letters from the doctors who were treating me... nothing at all.
Tesco did the opposite and sent next to nothing - outrageous that they need 40+ days to do that. I used to have a tesco credit card as well, but they didn't include that in the paperwork either. I'm more interested in the PPI stuff, but both organisations left that stuff out.
What's my next step?
Many thanks, DBH xx
SAR replies just back from HBOS & Tesco - no mention of the PPI though!
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