In my earlier years I have had several loans, card and store credit agreements where I had taken out the PPI 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 Rock

The AA

Lloyds TSB

Barclaycard

Capital One

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.

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-sold 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 FOS website

dx

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 PPI (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 years 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 One letter is (was on a page with a list of address for cards and banks), can you help?

Also which SAR letter should I use, I found two will either do?

Sorry can't link until 20 posts.

Thanks.

Data Protection Act Requests: Legal Compliance Specialist Capital One (Europe) plc Trent House Station Street Nottingham NG2 3HX

http://www.consumeractiongroup.co.uk/forum/content.php?552-Data-Protection

Thanks and thanks.

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

Carl.

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-selling?

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 One 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.

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 ppi charges that would average as £10 per month.

So 48 months x £10 = £480

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

Good luck

DJ