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I have just recieved a statement of account regarding my secure loan (Blackhorse) with PPI.
All it is showing is opening balance ppi added of course then interest & payments made.
Blackhorse are not an insurer so with PPI on the account surely it should show payments of insurance to Lloyds.
obviously without the insurance payments on the statement the figures do not tally up.
is this right or doe's it sound dodgy
any advice greatful
can anyone confirm if the statement should show PPI payments?
Hello masmit,
IMO you should submit a Subject access request this should supply you with all the data on you loan. But you should when you send it be specific and ask for everything that is related to you as a data subject including the insurance cover on the loan. Please see this for more information.
You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail
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 loan/card/mortgage.
Copies of all statements applicable to the loan/card/mortgage.
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.
Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.
Do not be fobbed off by them citing issues such as relevant filing systems.
If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.
Hope this helps you on the reclaiming road. ;-)
aa
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.
I am sorry for the lack of information which caused you to give an in depth response for a claim.
I have done an SAR & i know i have insurance with my loan showing the amount & the interest which is on the credit agreement seperate to my loan.
I thought that PPI is sold as a policy seperate to the loan which has its own agreement that is why theres a seperate section on the CCA for it. If this is the case surely it should show seperate payment on a statement of account, remembering Blackhorse Ltd is not an insurer & is a seperate company to Lloyds insurance.
The statement doe's not add up & if Blackhorse is showing taking full payment, where is there proof of payment to Lloyds for the policy.
Am i barking up the wrong tree or doe's it look dodgy
statement of account
.
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Originally Posted by masmit
