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About Minkymog

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  1. OK - So I received my SAR documents yesterday and I have no idea what I am looking at! I have a lot of 'screen grabs' and then a lot of confusing pages of text. Can anyone point me in the direction of anything I might be looking for please?
  2. Hi Intend, Yes, I sent the SAR and tracked it - it has been delivered although the cheque has not been cashed yet. As far as I am concerned, the 40 days are ticking away. I'm hoping to hear from them soon! The phone call to Sainsbury's was a lot more straightforward than I had imagined it would be. Maybe I got lucky with the call handler, I can't be sure! All he asked for was my name, date of birth, address, postcode, phone number etc to try and find me on their system. Then he asked for a loan account number (which I do not have) and then why I thought the policy has been mis-sold. I said that the pressure put on me by the sales person was really very heavy handed, she suggested that I would not get the loan if I did not take out the policy, she made me believe that if I was lucky enough to get the loan, but did not take out the PPI then my rate would not be so good, but worst of all she suggested that I clearly did not care about my family if I did not take out the policy! This was over 8 years ago and I still remember the conversation very clearly! Anyway, the guy I spoke to took all this down and advised that I would get a letter within 5 days to confirm my complaint had been lodged, he gave me a reference number and then advised that it should take no longer than 8 weeks for the whole process to take place. I did get my letter of confirmation within 5 days, but I have not heard from them since. The phone call to them was really not that bad, I just told them what happened and how annoyed I was about it. Hope this helps!
  3. OK - SAR will be sent in the post today via Recorded Delivery. Fingers crossed.
  4. Well, I got my acknowledgement letter from Sainsbury's (RBS) today. For some reason they have decided that I am my husband. How did they even know what his name was? The loan was taken out in my name only! Not the best start!
  5. Fantastic Intend - Thanks very much for that, will get that sorted today then!
  6. Thanks for the advice ims21 - I will go ahead and sort an SAR out to post next week. I wasn't sure if I'd be able to figure out how much I could claim, but as it was such a long time ago, I was expecting this to be the case so thanks for clarifying.
  7. Hello! I wanted to start a new thread as I have just called Sainsbury's bank to file a claim re mis sold PPI and I'm nervous about making sure I do everything right. I took the original loan out late 2004. I cannot remember exactly how much the loan was for (approx £9,000 I think), or even the length of the loan. I do however remember the exhorbitant interest rate of nearly 15% and the pushy sales woman suggesting I clearly didn't care about my family if I didn't buy the insurance policy! Anyway, I do not have any paperwork for or other information about the loan so I'm hoping I will be able to make a claim. The guy on the phone seemed a bit vague about whether he found me on their system or not. One thing that I'm worried may confuse the issue/claim is that a year after I took out the loan, I took out another loan with Sainsbury's bank to borrow a bit more money. They opened a new loan to pay off the old one and gave me the left over money - if that makes sense? So, am I claiming for one lot of mis sold PPI or two? I actually closed the loan mid 2006 because I got a better deal elsewhere so it never ran its course anyway. I'm assuming this will affect the amount of refund (if any) that I am entitled to? The guy I spoke to at Sainsbury's said I would receive a letter within 5 working days to confirm that they were 'investigating' my claim and that things should all be sorted one way or another within 8 weeks. I asked him to confirm that this was for both loans and he said yes. I guess we'll see what the letter says when I receive it. Is there anything else I should be doing at this point do you think? Sorry, I seem to have gone on a bit , but thanks in advance for any help/advice, it's very much appreciated.
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