Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)

+ Reply to Thread
Results 1 to 6 of 6
  1. #1
    Basic Account Holder chesney76 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2010
    Posts
    9

    Default PPI Claim against Sainsbury's Bank

    Hi All

    I am about to start a claim for missoldicon PPI on a loan I took out with Sainsbury's Bank in August 2002. I have the agreement number but not a copy of the agreement. I phoned Sainsbury's and asked for a copy but was told it had been destroyed as it was over 6 years old. Have since found out under S5. limitation acticon 1980 such documents should be kept for a period of 6 years after the date on which the cause of action accrued (end of the contract or date of final payment). The loan was repaid over a period of 3 years, the final payment made in October 2005.

    Not sure where to go from here. Do I write and request a copy of the agreement? or send a SARicon?

    Many thanks in advance


  2. #2
    Classic Account Holder
    Help the CAG!!
    Make a contribution
    dj1971 Informative dj1971 Informative dj1971 Informative dj1971 Informative

    Follow Real_CAG on Twitter

    Cagger since
    Apr 2009
    I am in
    London
    Posts
    1,154

    Default Re: PPI Claim against Sainsbury's Bank

    Hi Chesney,

    Sainsbury's are not alone in trying the 6 yearsicon stunt, it seems they all at it.

    Personally, assuming you do not have all the figures for this loan, ie monthly repayment, amount of loan, interesticon rate charged, etc... I would send a SARicon and see what they come back with.

    Even if they do not return a copy of your agreement, you can file a complaint with the ICOicon asking them to force sainsburys hand.

    DJ


  3. #3
    Basic Account Holder chesney76 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2010
    Posts
    9

    Default Re: PPI Claim against Sainsbury's Bank

    Hi All

    To update you with what has happened so far....and to encourage other people to make a claim

    I sent a SARicon but it was returned saying they could not identify the Agreement Number I had provided, could I provide the Account Number. I spoke to my bank and asked them for the reference number used by Sainsbury's Bank on the direct debiticon. It was the same as the Agreement Number. I phoned Sainsbury's and stated the Agreement Number was the same as my Account Number and was the reference they used to identify payments. They tried to fob me off with the over 6 yearsicon nonsense but I insisted it was 6 years after the date of the last payment. I was told to return the SARicon request, which I did again by recorded delivery.

    I received the SAR details, which were enlightening!!...not only had they mis-sold they had overcharged for the insurance...Joint Life cover instead of single life!!

    I sent the letter complaining of mis-sellingicon and have received a letter back saying they are investigating my claim and will come back to me.

    Will let you know what happens next


  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
    Posts
    65,132

    Default Re: PPI Claim against Sainsbury's Bank

    did you also send what you are expecting as a refund figure?

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
    RIP Martin3030
    Follows
    0
    Following
    0

  5. #5
    Basic Account Holder chesney76 Novitiate

    Follow Real_CAG on Twitter

    Cagger since
    Aug 2010
    Posts
    9

    Default Re: PPI Claim against Sainsbury's Bank

    Hi...yes I did. The SARicon gave me details of the insurance premium together with the interesticon charged on the premium. I used this as a starting point and calculated 8% statutory interest up to the date I sent the letter of complaint. In the letter I set out each figure separately, then showed a total.

    Hope this helps


  6. #6
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

    Follow Real_CAG on Twitter

    Cagger since
    Dec 2006
    I am in
    a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
    Posts
    65,132

    Default Re: PPI Claim against Sainsbury's Bank

    good well done ....lets see if they cough

    if not off to the fosicon

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


    DX
    RIP Martin3030
    Follows
    0
    Following
    0


Viewing CAG on a small screen? Switch to the mobile version of the site

Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE