this what I am planning on sending, is this correct and do i need to add anything else

just had a letter back from RBOS regard my SAR request they have only sent me a break down of a few charges going back to 2001, no statements or anything else. still wait for my CCA request which was delivered to them on 20/8/07, they had 2 days left suppose i will need to draft up a non compliance letter for both.

just had a call from Crap One on Mars asking for my security details as the normal, only missed this months payment, and is only for £34. buggers told them I was placing the account in dispute for the reason of not suppling me the required information in regards to my CCA request. they werent happy at all, hehe I am in the process or typing up a letter regards the failure and also request for all my PPI payments back aswell as the charges and interest. am i doing this right, or have I opened a can of worms for myself

well as you can imagine, the 40 days are up for the Halifax, didnt get everything for S.A.R. on with the failure to comply bit now, me thinks arhhhhhhhh

thanks for the pointers here Rory32 and pennypenny I have asked for a copy of my CCA agrement and as of yet, it hasnt turned up.. any by the by here, i never actaully asked for this insurance and by some kind of magic they stopped taking payments in February or March of this year, which makes me think they should never of been taking it in the first place, as i hadnt asked them to cancel or stop taking payments. So I am led to belive that they have just taken payments for the sake of it. the letter templates I have come across all relate to mis-selling of the policy. As i wasnt mis-sold it, they just took it anyway pmsl at these buggers anyway, I was wondering if there was some kind on template out here I could use to ask for my payments back with of course interest help please anyone

please help someone if possible, looking for a letter template to reclaim PPI from Cap one and Amex

thanks for the words of encouragement overflow and stonedecroze. me thinks i will wait friday 31st and see if anything else appears and the proceed from there.

bump

I was just wondering if anyone knew if there was a standard letter somewhere to send to capone requesting my PPI payments back. I can honestly say that I never ever asked for it, and looking back over my statements I see that they actually stopped taking payments for PPI in February this year, now considering I never asked for it neither asked to cancel it. something doesnt quite add up here, so i want it back, can i also claim interest too on these PPI payments, if so whats a reasonable amount

my head hurts with all this interest thingy i used vamps spreadsheet 13 and used a interest of 22.13 added to all charges. was this wrong i am also looking through my statements and going to claim my PPi back too but have notice deductions for interest applied, what are these

I sent them my LBA and they received it on the 6th August and they rejected it as you can imagine. I am claiming £455.00 plus £401.10 in interest since the first payment. what is the next stage, I am claiming CCI or should I ammend it and use th 8% this confuses me so much.

Hi Overflow, I heare what you are saying that there are a few days left before the SAR 40days are up. I cannot really see them sending anymore information other than the list of charges they have already sent me

aha overflow, i get it now, soory for sounding thick and all. have just read an interesting article in todays paper saying that the test case with start in court in January then it should be 8 months before a decision is made arhhhhhhhhhhhhhh. sounds to me like these pratts are going to get away with it please can someone point me in the direction of the non compliance letter

love it steve, i am not sure I ever asked for my PPI insurance, yet they have been taking it, just wondering how to work the interest bit out when I do spreadsheet and all

so, should i do the same, I am after all my charges and PPI payments back from them. what is the course of action

mine is exactly the same as yours steve except mine has my name and address typed under the Credit Card Agreement Regulated by the Consumer Credit Act 1974 at the top

sorry just another thought from something overlow mentioned, why do I need to call at the Halifax to chase the details up

one more question fot the moment too, what spreadsheet should i use and what about the interest

bugger, well i suppose I better proceed for the full amount back with interest then, even though they said I aint ontitled to it as their fees are fair

Thanks Stonedecroze, this what I actually sent them Dear Sir/Madam ACCOUNT NUMBER: XXXXXXXXXXXXXXXXXXXXX XXXXXXXXXXXXXXXXXXXXX Please supply me with a complete list of transactions and charges relating to my banking history with your organisation. Alternatively, a complete set of statements for that period will be acceptable. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. Furthermore, if I discover that you have levied disproportionate penalties against me, then I shall be reclaiming them, and also reclaiming the enclosed £10 Data Protection Act subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. I would be happy to collect the Data from my local branch.

so even though, what they have sent me is only a credit card application. and if i dont have a proper cca in place at the time of default, then they shouldnt have filed the information with a credit reference agency as they didnt have my authorisation to share any information with 3rd parties, is this right or am I wrong

do i need to state that I need my details going back to year dot, or can i only claim back for the 6 years

with them just sending a letter with all charges on. and explaining about the OFt test case. I dont think they have any intention at all in supplying me everything

many thanks all for the advice I have received a letter today from CAP 1 with regards my CCA request. they have sent me Credit Card Agreement Regulated by the Consumer Credit Act 1974 it has my name and address Typed on the document at the top, but no signatures or dates just general terms on it. to be fair, I cannot remember ever seeing any document like this before. what should one do now ???

right then, just had a letter back from the Halifax regarding my SAR they have sent me a list of charges going back to 1/3/2000 and 5/12/2003 on my accounts, now i have had these accounts for must be the best part of 20 years. I havent received any statements at all from them just 2 pieces of A4 paper with the charges and dates. Would I be right in thinking they have failed in my SAR ????? what do I need to don now. many thanks all