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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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I have no account numbers for my old loans and credit cards can i claim ppi back


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Hi folks im looking to claim back ppi on some loans and credit cards but dont have the account numbers. Ive got a credit report but that only tells me the last 4 number sof the account number and the companies are wanting the full number. Can anyone help me with how i get the full numbers?

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Hi bleasy

 

Welcome to CAG

 

Send them a SAR request as you will needs statements to work out the interest they owe you. SAR template can be found in the library. You only need to provide your name and addresses, they will provide all the data on your accounts.

Send a SAR to each organisation.

Have a read of 1,2 and 3 in my signature.

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Yep, but this could depend on how much info Halifax provide, I doubt they will provide info from that period, but if you had statements handy from that date then it wouldn't be an issue.

 

thats great thanks, how far back can u claim? i had a loan with the halifax from 1998 till about 2003 can i claim on that one?
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no ppi number im affraid only bank statements and it just says standing order - halifax personal loan, so i dont think i will be able to get anywhere with it

 

SAR them and see...you never know, you might be lucky

 

ims

 

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  • 4 months later...

I have tried to get my data back from the Clydesdale Bank via a DPA request but they returned my £10 (after taking it out of my account) and have said that they have no record of any accounts that I held. My last communication with them was in July 2006 telling them to close the Credit Card. I did not put my card number on the letter. Are there any other ways I could find this information? I am certain that I had PPI on my credit card which I had from 1995-2006. I also had a dispute with the Clydesdale Bank which I won after going to the banking Ombudsman however that was in 2000.

Nedless to say I do not have any of my account numbers or credit card numbers.

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Hi Bleasy

 

I have recently had a successful claim on a Halifax loan dating back to 1997 so it's worth a try. Like you, I had no paperwork or account numbers and was entirely dependant on the SAR results to pick out the PPIs to claim.

To their credit, of the half dozen SARs I sent to different banks, Halifax came back with the most comprehensive bundle, including copies of all my loan agreements dating back to the early nineties.

Halifax also settled a claim relating to credit card PPI that I found in the same SAR and the settlement amounts they offered on both claims was almost twice the amount I was claiming!

 

Brett

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  • 2 months later...

Just a quick note. If you cannot find any of your old numbers etc. but are sure you had PPI on them, then send a letter to the CEO of the bank with all the details you have. This will get something done about it double quick. I now have the credit card number I had long lost and the bank had previously told me they had no information on me. Just a bit of helpful advice.

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Yep, getting the CEO involved normally does the trick if you can get past the minions intercepting the mail and firing off standard responses to complaints. Great news that you have managed to dig up the account number and good luck with your claim!

 

Brett

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  • 3 months later...

Hi,

 

I had an Egg loan probably ending around 5 years ago (maybe a bit more, I'm not sure), I don't have any account info for it at all. I remember having a phone conversation with someone who said I could only apply for the loan if I took out PPI on it. I had a credit card with egg at the time, which is now a barclaycard, I have all of the details from that, even though its a closed account, would these details help me at all? I've tried phoning the company who took over Egg's loans, but they only have records going back 3 years, so they gave me another company's phone number who told me they didn't deal with Egg loans. Does anyone know what the contact details are for old egg loans?

 

Any help would be greatly appreciated, I tried to do this before christmas, but didn't really get anywhere with it, so gave up, got a bit of time now so thought I'd give it another go.

 

Thanks!

Katie

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