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)

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  1. #1
    Basic Account Holder drcarlos Novitiate

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    Default So reclaiming my PPI, how far back can I go?

    In my earlier years I have had several loans, card and store credit agreements where I had taken out the PPIicon as I thought that it was required to get accepted, now I know that this is not the case.
    I would like to know how far back I can go with my claims and also what happens when providers change (Barclaycard took on the Goldfish Credit card business who in turn had taken it on from Morgan Stanley I believe), would the current provider hold the records of the previous companies and would they be liable for all PPI claims?

    From memory I need to serve data protection requests on:
    Northern Rockicon
    The AA
    Lloydsicon TSB
    Barclaycard
    Capital Oneicon

    How far back can I claim, the Lloyds Loans were 15 years ago, would I get this information and would they pay?

    Should I just go for the two current credit card providers I have been with for about 10years (can I get corrspondnace that far back with my request?) or serve data protection requests on all of the providers?

    Thanks,

    Carl.


  2. #2
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    Default Re: So reclaiming my PPI, how far back can I go?

    as such there is NO time limit

    regardless to what these stupid claims companies sprout about in adverts

    its 6yrs from WHEN YOU BECAME AWARE you were mis-soldicon the insurance.
    which is today?

    your only 'barrier' might be paperwork on those going past 6yrs

    typically if you have the agreement and or statements - its gameover for them

    have a read of the NEW PPI FAQ PDF's on the fosicon website

    dx

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  3. #3
    Basic Account Holder drcarlos Novitiate

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    Default Re: So reclaiming my PPI, how far back can I go?

    Well DX I looked at the news the other day and thought that basically when I filled in the applications there were no real explanations of the exclusions in the PPIicon (and I have a medical condition that pre-existed both cards and at least one of the loans), so I guess that's when the 6 yearsicon start.
    Anyway I have the address for the Barclaycard DPA letter but try as I might I can't find the page where the address for the Capital Oneicon letter is (was on a page with a list of address for cards and banks), can you help?
    Also which SARicon letter should I use, I found two will either do?

    Sorry can't link until 20 posts.

    Thanks.


  4. #4
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    Default Re: So reclaiming my PPI, how far back can I go?

    Data Protection Act Requests: Legal Compliance SpecialistCapital Oneicon (Europe) plc Trent House Station Street Nottingham NG2 3HX
    http://www.consumeractiongroup.co.uk...ata-Protection




    Welcome to Consumer Action Group

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    1) CLAIM BACK ALL PENALTY CHARGES CLICK HERE
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  5. #5
    Basic Account Holder drcarlos Novitiate

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    Default Re: So reclaiming my PPI, how far back can I go?

    Thanks and thanks.

    That was the letter I was going for so have already saved off the templateicon ready for printing and dispatch tomorrow.

    Carl.


  6. #6
    Basic Account Holder drcarlos Novitiate

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    Default Re: So reclaiming my PPI, how far back can I go?

    Got a big stack of paperwork back today from Barclaycard and included was the original application form from 2002 which was Morgan Stanley, this is where it get interesting, yes I did tick the box is 2002 to request ppi, but there are no T's and C's on the form for the ppi so nothing is explained, so I guess this means it was missold?
    Also at around the year 2006 Barclaycard took on the business from MS and automatically applied an AXA ppi policy to my account, again without consultation, so as I had had time off due to stress I guess this was missold as well.
    I guess whatI need to know now is:

    1. as the MS application never explained the T&C's is it mis-sellingicon?
    2. as Barclaycard never consulted and just changed the policy is that mis-selling?
    3. are Barclaycard liable for both PPi claims or just the AXA part?

    Still waiting for the Capital Oneicon stuff to appear but they have always been the provider and have already been prosecuted for mis-selling so that should be a bit more open and shut.

    Carl.


  7. #7
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    Default Re: So reclaiming my PPI, how far back can I go?

    Drcarlos,

    The answer to your questions is yes, yes & yes.

    Assuming you do not have statements going back to 2002, calculate the premiums for as far back as you do have statements for and apply an average monthly payment for the remaining months.

    Eg. If over say 60 months you had paid 600 in PPIicon charges that would average as 10 per month.
    So 48 months x 10 = 480

    Remember to do the simple interesticon calculations from the date of each repayment until now.

    Good luck

    DJ



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