Sorry cannot seem to post in the work forum. This is a warning for anyone considering using this company to claim your uniform tax rebate. Please please don't sign up to this company, it is so easy to do it yourself. Either ask your HR department or write a simple letter stating where you work your NI number and that you have washed your uniform at home for X number of years. Also state if you want tax back in a cheque or added to your tax code. This company have a facebook page, they block anyone who leaves comments like "do it yourself". They are hiding the truth from those who sign up. They take over 20% of your claim for simply writing a letter that costs pennies. Its far quicker to claim yourself, approx 6 weeks. These things make me so mad! I had to shout about it!

Typing this on I phone so sorry if its a bit muddled.

Hiya just to update Clydesdale, got a telling off for breaching my sar request, they admitted to the ICO that they were wrong. Sadly thats as far as the ICO are prepared to go. My sar request has miraculously been sent out to me nearly a year later. Funny that they denied all knowledge of holding any data on me when I complained, yet they just admitted it to ICO. Clydesdale denied holding any data on me, luckily I found my credit agreement, I told them this they paid out without even seeing it, I then complained that how could they possibly pay out when they had denied holding any data. They said it was other systems that were used for ppi calculations. So I complained to ICO. I feel that I was delibratly lied to, how do they get away with it.

Thanks for all that info, I will set about the sheet! Just a quick question, do I date every PPI payment made each month on the spread sheet or just the total over the term? I know I paid £26 a month PPI on top of the loans, I have got copies of bank statements so I have evidence of dates etc. What do you think about the first loan being repaid 3 years early, but the full term interest being charged, surely they should have rebated some of this? I know this is separate to a PPI claim but could that be reclaimed? It does have a chart that calculates the reduced interest if repaid early on the credit agreement, which they obviously just ignored when calculating the new loan. I paid interest for the full term, I have calculated I paid £11k for the loans, the first was for £3k the second £1k. £7K in interest and PPI. I was so young an naive to trust my bank!

Hiya, just an update. I requested a SAR, but was told, due to lapse of time, no info is held. I have since found the paperwork for the loans, one started in 03/2003 and ran to 03/2007. The previous loan ran from 2001 to 2003. The second was a top up. The first loan was repaid by the second loan, and called a top up. I have noticed the first loan was repaid 3 years early yet the interest and PPI was charged for the full term. Both loans had PPI. I was 18 years old and clueless, I had no idea what it was or why? Should they have rebated the PPI and interest? Obviously I would have been wiser taking a separate loan but being so young I had no idea I trusted the bank to know best, you dont expect to be ripped off by them. What I would like to ask is why would they not send me a SAR when the loan agreemennt ended in 2007. (paid in full) Surely the bank have to keep a record for so many years? I now have all documentation and I am about to start the process, so wish me luck!!!!

Hi sorry if this has been covered but I cannot quite find the answer! New poster long time reader. I have recently applied for documentation for two old loans (5 & 6 years old) all repaid. I have lost all paperwork and sent a draft letter to Yorkshire Bank, requesting the credit agreements for these loans. I inculded a £2 postal order. They replied stating "when loans have been repaid there is no longer an agreement in place under the CCA" They end with I trust this is satisfactory. Does anyone know if I can take this any further? or will the documentation have been destroyed? I do know I was mis - sold PPI I was 19 and clueless! Thanks for reading Ps they have not returned my postal order!!!!