Thread: Credit Card PPI - Where to Start?

Hi All

I was hoping for a little help here please. I have had a credit card through my bank (Lloyds) for as long as I can remember and it has always had PPI on it. Never told I could cancel it or get it elsewhere.

I am hoping to get some money back but not sure where to start? I have read the template letters but I dont know when I first got my card from the bank or how much I should ask for back?

Any suggestions would be gratefully received, I have two small children and lost my husband last year, so all savings and pennies means a huge amount to us.

Thanks for your time.

when drafting the S.A.R letter also request a copy of your agreement.

S.A.R Letter with instuctions below just copy and paste into word and edit to suit your needs.
Your address

Their Address

Date

DATA PROTECTION ACT 1998
Subject access request


Dear Sir/Madam
Your name: xxxxxx
Account No/ No’s



I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:
-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully


Your name

Sign your signature and put a line through it so you will know if you see it again:o You never know

They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.

Regards

PF

Thank you very much for your help and advice.

I will send that letter today and see what response I get!

Will keep you posted.

Thanks

Hello,

I have sent the SAR letter to the bank as suggested, it was signed for two weeks ago.

Do I leave it the full 40 days or so, (allowing for postage time) or should I send a reminder at some point?

Thanks very much for your help and advice.

Thanks - I have calendar marked the date that is 40 days from them receiving it.

Given I have been with them for years and have always had PPI on credit cards and loans as far as I know, where do I start figuring out how much I may be entitled to claim back or even if I am eligible?

Is there a formula for working these things out?

Really appreciate the advice on this, I didn't even know I could even possibly be entitled to claim.

I have fallen slightly out of flavour with the bank over the past twelve months (apparently having your husband die in Iraq as a serving soldier and leaving you with two small children doesn't grant you any sympathy or support from the banking bigwigs these days) so am quite prepared for a bit of a bun fight with them!

Thanks again.

You will get plenty of advice here, on the PPI front from alanalana and Pompeyfaith especially - they are the resident experts - and there is always someone around to listen and offer support

Well Thank You Landy for the vote of confidence

Scoggs,

Thanks - I have calendar marked the date that is 40 days from them receiving it.

Given I have been with them for years and have always had PPI on credit cards and loans as far as I know, where do I start figuring out how much I may be entitled to claim back or even if I am eligible?

Is there a formula for working these things out?

Really appreciate the advice on this, I didn't even know I could even possibly be entitled to claim.

I have fallen slightly out of flavour with the bank over the past twelve months (apparently having your husband die in Iraq as a serving soldier and leaving you with two small children doesn't grant you any sympathy or support from the banking bigwigs these days) so am quite prepared for a bit of a bun fight with them!

Thanks again.

I can help you with this but to do the calculations we will need dates of each payment, the payments made and the relevant apr at the time of each payment.

This will all be on your statements so soon as they arrive let us know then i can help you a start putting a claim together.

Regards

PF

Thank you everyone for your advice and support, I dont feel quite so fraught now!

So I finally had an acknowledgement letter from the bank stating that they had received my Subject access request and my £10 etc and would start putting together the information i had requested, they said they would be taking the 40 day response window from the date they got my letter and I would have the information by 19th September. Date on calendar.

Although rather kindly of them they also sent the same letter to my deceased husband as it was a joint bank account we had with them. Thought it was a nice touch..

Made me laugh that the same day I also got from them a leaflet on the Banking Code etc...

Rather oddly am looking forward to the information coming through, it will give me something new to focus on for a while.

Thanks again everyone.

xx

Hi All

I hope everyone is okay.

Wow, okay so today (one day short of the deadline) I got a huge bundle of stuff from Lloyds.

some points to highlight - first, all of the stuff is not there, credit card statements provided start at 2004 - yet they have included the signed credit card application form dated 2000. So there are 4 years worth of statements missing. Second, there is no loan statements etc which I requested. Should I send a further letter on these outstanding points?

On the credit application form from 2000 it shows the box ticked for PPI, am I still able to make a potential claim?

If I am still able to make a claim... where on earth do I start working out the amount. Do I need to wait for all the other outstanding to come through?

Feel like Lloyds know what is in the offing, and are playing silly beggers with me slightly by not providing all the data. And, yet again, addressed the data to me and my deceased husband!! It is getting quite upsetting them doing this. It's not like they don't know!

hey ho...

Thanks for your time on this, feel slightly overwhelmed today with it all.

Take care all

hiya scroggs right send a non compliance SAR letter ill post a link to this, this evening as not near my pc and having too use my phone to post this oh

and make complaint via letter to these ppl Information Commissioner's Office - ICO

Hi

Thanks for advice, this is all totally new to me.

Okay so will send non-compliance letter to Lloyds, complaint letter to Information Commissioner.

What is the 6 year rule?

Thanks

even if they where they would still be 1 yr short as 6 yrs would be to 2010 anyway the 6 yr rule does not apply to mis-selling a product