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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.
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Old 8th October 2006, 16:36   #1 (permalink)
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Your bank owes you an awful lot more money than you realise See here

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Gingi1 Novitiate
Default Gingi1 v Marks and Sparks

Letter sent over a week ago with cheque. Still waiting with bated breath!
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Old 8th October 2006, 21:33   #2 (permalink)
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Is your bank avoiding its debts
Data disclosure poll

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kokomar Novitiate
Default Re: Gingi1 v Marks and Sparks

Hello they took 19 days for my Subject Access Request which from what I've been reading is pretty good going, however, they only went back to oct 01 on an account that's been open since 98. Have written asking for the remaining info if they have it. My thread is Koko vs Marks & Spencer in this section. Thank god someone finally on the same time line as me with them. Have you noticed how everyone who starts with M&S seems to vanish, scarey, unless they're all signing confidentiality agreements of course. Keep updating your thread, I'm v interested to see what happens with you.

Koko
__________________
Lloyds TSB Current Account/Joint Account/Business Account (ST not Ltd) PL 30/8/06; lba 14/9/06; N1 filed 24/10/06
M&SFS Credit Card SAR16/9/06; partial data rec'd; 11/10 written; in correspondence
Lloyds TSB Credit Card SAR16/9/06; partial data rec'd 14/10; written 30/10/06 ext'd timelimit;
Student Loans Company Ltd SAR2/10/06 silence!!!
Lloyds TSB PPI on Loans CCA & SARsent 21/10/06

Partner:
Lloyds TSB Current Account SAR3/10/06 silence !!!
Credit Cards:
Lloyds TSB SAR3/10/06; rec'd 26/10 back burner for now
Marbles SAR3/10/06; rec'd 26/10 back burner for now
Monument SAR3/10/06
Virgin SAR3/10/06
Morgan Stanley SAR3/10/06; partial data rec'd; 19/10 CCA req; 24/6/06 rec'd; in correspondence
Barclaycard SAR3/10/06; data rec'd; 14/10 written with CCA request; 24/6/06 rec'd; in correspondence
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Old 8th October 2006, 23:49   #3 (permalink)
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Where else can you earn 8% interest on your money?
Start your County Court claim NOW!!!

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blitz Informativeblitz Informativeblitz Informative
Default Re: Gingi1 v Marks and Sparks

please delete
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Old 9th October 2006, 10:21   #4 (permalink)
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Default Re: Gingi1 v Marks and Sparks

Will do Koko, and will keep an eye on your thread too.
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Old 12th October 2006, 20:23   #5 (permalink)
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Default Re: Gingi1 v Marks and Sparks

i'm going to send my letter to them tomorrow- my thread will be sarah v Marks and Spencer - will keep an eye here too. good luck.
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Old 16th October 2006, 22:18   #6 (permalink)
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Your bank owes you an awful lot more money than you realise See here

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Default Re: Gingi1 v Marks and Sparks

Lists of charges received today, recorded delivery and a letter stating that if I require the full statements they are happy to supply. They also sent back my cheque for £10!

Will keep you posted
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Old 23rd October 2006, 19:05   #7 (permalink)
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Default Re: Gingi1 v Marks and Sparks

Well, have still not managed to make head nor tail of what they sent me. Has anyone else experienced this?
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Old 23rd October 2006, 19:42   #8 (permalink)
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Default Re: Gingi1 v Marks and Sparks

Ohhhh Yeeeeesssss. Just get the kids to bed then I'll be back on with as much of an explanation as I can give, providing of course they sent you the same kind of stuff! Koko
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Old 23rd October 2006, 21:05   #9 (permalink)
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Watch out, there are Claims Touts about!

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Default Re: Gingi1 v Marks and Sparks

OK this is what I got in roughly the order I got it.

1. Cover letter
2. Copy of original agreement (I specifically asked for this in conjunction with Subject Access Request letter)
3. Various screen shots:
a. ID info
b. general account info
c. Last six months statements
d. Communications Log (last few months)
4. "Explanation of Data Held by M S Money" repeat of 3 a b and c above but in different style with pointers as to what is what
5. Copy statements printed several to a page, just basic data not the fancy type you get through the post every month from 4/10/01 to 12/3/06.
6. More "Explanation of Data Held by M S Money" covering 3 d above back to 21/4/06.
7. Communications log from 21/4/06 to 22/9/06 (different style printout to 3 d above) with sample letters.
8. Previous Adress details
9. Purged history enquiry - Memos. This seems to be a printout of all the notes of conversations from 19/8/03 to 29/9/05, same data twice in two different formats.
10. Collection Master Inquiry - Memos. Combination of 7 and 9 above again supplied twice in two different formats. More sample letters.
11. Collection Master Inquiry - Actions. Movements on my account ie payments made, interest added (called "FIN CHRG), Debits (PPI Ins I think) from 12/9/05 to 13/9/06
12. Collection Master Inquiry - Maintenance. Errr not entirely sure but runs from 27/8/05 to 14/9/06.
13. Third party details if any.

The bits in blue are where I found my charges, there isn't a nice easy list I had to go through with a highlighter pen.

Hope this helps a bit any questions just holler! Koko
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Old 30th October 2006, 20:43   #10 (permalink)
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Default Re: Gingi1 v Marks and Sparks

Thanks. Have trolled through everything and can only find one £5.00 charge. I can't believe it!

Has anyone had any luck with claiming back the PPI that is forced on you?
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Old 30th October 2006, 20:48   #11 (permalink)
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Default Re: Gingi1 v Marks and Sparks

Quote:
Originally Posted by Gingi1
Has anyone had any luck with claiming back the PPI that is forced on you?
I havent heard of anyone trying this so will watch this space and watch your progress. good luck
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Old 31st October 2006, 00:45   #12 (permalink)
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Where else can you earn 8% interest on your money?
Start your County Court claim NOW!!!

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kokomar Novitiate
Default Re: Gingi1 v Marks and Sparks

I knew my posts were too long everyone fell asleep after the first few lines!!! Me, yes I'm going after ppi.

Koko vs Marks & Spencer

If PPI was forced on you complain, they aren't allowed to do this, and if you can prove it, ask for it all back plus compound interest.

Koko
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Old 31st October 2006, 13:10   #13 (permalink)
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Your bank owes you an awful lot more money than you realise See here

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Default Re: Gingi1 v Marks and Sparks

Thank you Koko, your posts are not too long - I'm just lazy - my apologies

I shall be going after the PPI then. I had a separate insurance to cover my salary if I was unable to work and yet all the banks insisted that I take theirs. I am now going to go after First Direct (loans, credit cards), Co Operative (loans, credit cards) and M & S.

Will keep you posted
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Old 2nd January 2007, 14:32   #14 (permalink)
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Watch out, there are Claims Touts about!

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Gingi1 Novitiate
Default Re: Gingi1 v Marks and Sparks

Sent letter to claim back PPI (only totalling £346.00 but still every penny counts with the mess that I am in) received a reply saying that they were looking into the matter. Just after Christmas received a cheque for the full amount and a letter of apology!!!! Hurray!!!

£346.00 down £36 odd thousand to go!
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Old 3rd January 2007, 12:04   #15 (permalink)
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Is your bank avoiding its debts
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I am in: Basingstoke, Hampshire
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pinkglitter Novitiate
Default Re: sarah v Marks and Sparks

Hi i'm just starting on Marks & Sparks can you guide me in the right direction of the 1st letter to send please and what it is i need to ask for as the account has been idle for years exact date i have no idea but the card originally was taken out 10 yrs ago !!!!!
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Old 7th January 2007, 16:26   #16 (permalink)
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Default Re: Gingi1 v Marks and Sparks

Hi there,

I believe the statute of limitations is for six years. Send them the request for information under the Data Protection Act letter, which can be found in the templates section, to begin with.

Good Luck!
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