Thread: PPI claim questionare Help !

Originally Posted by drob

I have started the process of trying to reclaim PPI Insurance for a Car Loan I took out in 2004 with a well known Car Finance Company.

In reply to my request the Car Finance Company have sent me a letter asking for a response to the following 2 questions.

1. Why did you feel taking the PPI policy was compulsory?

2. What was said to you to imply taking the policy was neccessary to
obtain credit?


I have a feeling that the Finance Company might be trying to trip me up, depending on how I answer the questions.

Can someone with more PPI knowledge than me offer and advice on how to answer the questions.

Thank You

Hello drob sorry about the delay in responding. Family issues.

You do not have to respond to their questions. A lot of companies are sending out questionnaires presumably to try and trip up claimants.

Have a look at this link for the list of reasons PPI was mis-sold and let them do the answering.

PPI - Some Notes for Claimants..

Have you sent a Subject access request? or do you have all the original paperwork?

If you have not sent a SAR see these links to help you...

Full SAR for ppi

Data Protection Act 1998 - Subject access request

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.

A ‘demands and needs’ questionnaire.

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 to get you started.

aa