Thread: PPI template letter

I wrote basis of letter incorporating quotes from OFT report in October. But because I was not working when took out card, it was easier, but I suspect it was because I was able to cite aspects of that report to get my money bacjk from MBNA credit card. Capital One insisted on me paying the £10 fee to get the recordsback. they had previosly sent me dates and amounts for the charges. so am now waiting for statements so that i can PPI claim. will keep you posted

hi everyone muff here i have just joned tcag and hope i could be useful to members and vice versa hope you all have a prosperous and profitable refund s year

hi guys,
been browsing threads and faqs, as i have both bank and PPi claims with both Abbey and halifax.
does any one know if mortgage account charges come under the same principles? read the faqs i hear people say!

anyway after reading various samples and templates, have come up with this version or the S.A.R - (Subject access request) letter to get details of all accounts
any comments please feel free i should be sending these out in a couple of days.
its a bit long winded but i think it covers the microfich etc...arguments

i have an existing 10,000 loan, with halifax taken out in 2004 with ppi, im doing the mis-sold route with a couple of arguments.
i made a claim on ppi, and was told, no can do as i was dismissed.
phoned to cancel PPi, told to take out new loan with no ppi, oooops! not working means no new loan.
this was followed by them raiding my bank account of £65 to get their premium , now 11p overdrawn.
this is the info on my loan agreement need some help on what to claim.

1. amount of credit (cash loan) 10,000
2. add total charge for credit (cash loan) 2,548.76
3. total i pay for cash loan 12,548.76 1+2
4. ppi loan ( cash price ppi) 2,364.76
5. add total charge for credit for ppi loan 602.96
6. total i pay for ppi loan 2,967.72 4+5

• apr 6.5%
• loan 12,364.76
• total charge for credit for loan 3,151.72
• total i pay 15,516.48
• monthly interest 0,511%
• arrangement fee (1% of loan and 1% ppi loan) already included in 2+5

HERE'S A GOOD ONE Your Right To Cancel 5days

going to browse the spreadsheet templates to see how to work out sched of claim

similar position with abbey for first my first loan although they have accepted my ppi claim on second loan.

as before any comments or help feel free.

oh yes the S.A.R - (Subject access request) letter

Data Protection Act 1998
Subject Access Request

Dear Sir/Madam


I understand that you currently hold details of my personal and financial information within your internal record systems with regards to bank and personal loan accounts

Account Numbers inclusive but not limited to:
ACCOUNT Nos:
xxxxxxxxxxxxxx


Please supply me with a complete list of transactions and charges relating to my banking history with your organization, INCLUDING Loans and any other products, Alternatively a complete set of statements for the accounts or associated accounts is acceptable
I would be grateful if you would provide the following for ALL accounts or associated account I have held with your organization:

· Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of same.

· A complete list of all transactions or statements relating to ALL my loan accounts with your organization.

· Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

· Full copies or transcripts of any computer logs or database records kept in relation to me or in relation to my financial or personal information.
·
· Full copies of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial information, or which pertains to me.

· Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorized officer of your company, confirming the dates and methods of destruction of this data
· .
· Full hard copy print outs of any of my personal or financial information held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your feel. If you are unable to deal with this request, you should immediately forward it to the person within your organization responsible for Data Protection.

I look forward to hearing from you in the first instance of receipt

Hi again ,
thanks for that Reident,
i've sent of my S.A.R - (Subject access request) letters, now this is the preliminary letter for ppi refund that i am sending to to Halifax as my loan is still running my circumstances are slightly different.
but if its good for anybody feel free.

this is the registered offices address, but i will be faxing copies to relavent branches and offices.

Halifax Plc
Trinity Road
Halifax
West Yorkshire
HX1 2RG

Ref: Account xxxxxxxxx
Claim for : Refund Of Personal Loan Insurance Payments & Associated interest.

Dear Sir or Madam,


On the 15/10/04 I was approved a loan for £10,000, I was advised that as a condition of the loan, a payment protection insurance(PPI) would be part of the loan; as it would insure payments would covered if I were to become unemployed or was unable to work. This was in the form of an additional loan totaling £2,997.72

It is fact that you are not allowed to make(PPI) a condition of a loan.


I telephoned to cancel the PPI insurance and was told that this was not possible.


I therefore consider that I have been mis-sold this expensive insurance, and request that a full refund of all costs incurred through the aforementioned PPI , including all associated interest.
And that the loan agreement schedule and payments be adjusted, to incorporate the removal of all costs associated with PP1and itself as detailed.

Quoting from the mentioned Personal Loan Agreement,“If unsatisfactory goods or services are obtained under a transaction financed by this agreement, I have the right to sue the supplier, yourself or both.

I would appreciate an immediate response to this letter that will conclude this matter as mentioned.

Yours faithfully,

Mr M. Gordon

doing another version for Abbey now, any bcomments feel free