Hi all, Is there anything I should change in my covering letter or is it ok? because I've seen online people saying you should only use a few reasons as to why you feel you've been mis-sold PPI Thanks Andrew

Hi all again, just a quick update and question. I've now sent off the letter of authorization 1st class recorded delivery. now for the question, is the letter below ok for my covering letter for the repayment mortgage claim I'm doing for my dad and mum. Or should I claim the mortgage and two loans all in one letter? Letter: Headquarters Trinity Road Halifax West Yorkshire HX1 2RG Date:00/00/0000 Dear Sir/Madam Ref: 00000000 (policy number) We are writing in regards to the aforementioned policy which we were sold by you Halifax in conjunction with are application for a repayment mortgage on 00/00/0000. We now believe that we were mis-sold this policy because we were: Not asked whether we already had sufficient cover in place at the time the policy was sold to us Not informed that the policy premium was to be added to are mortgage as a single premium and therefore attract interest Not informed that the PPI policy would expire before we had fully repaid the mortgage Not informed that PPI had been added to are mortgage or that the policy was optional Not made aware of the features, exclusions and terms of cancellation relating to the PPI cover As such, unless you can prove that this policy was sold to us fairly and that it is, in itself, fair and reasonable, we request a full refund of all premiums and subsequent interest on these payments that we made towards this policy to date. We will also ask that you add the 8% statutory interest deemed as reasonable by the courts to each payment we made. We have included questionnaire, calculations of what is owed, statements and agreements. Under the FCA guidelines, Halifax has 8 weeks to resolve are complaint. We trust that you will deal with are case within this period. If not, We will refer the matter to the Financial Ombudsman Service. Yours faithfully (Dad's Printed Name) (Mum's Printed Name) Thanks Andrew

Ok sored, I'll send it off tomorrow. I'm going to upload my draft covering letter I'll be using and having a look at the information my dad has and start filling out the spreed sheets. Andrew

Are ok then xd, And I just changed the SAR letter to fit what was needed to be said. Is there anything you would change or should I just have my mum sign it and send it recorded delivery. Thanks Andrew

what website is that? and what is the link please. What would you post if you needed to reply to this letter? My mum can sign it i was just thinking of putting something like. DSAR PO Box 791 Leeds LS1 9LR Date: 24/11/2014 Dear Sir/Madam LETTER OF AUTHORIZATION ACCOUNT No: ******** DSAR REFERENCE No: ******* I am writing to authorize the release of my personal data to (Dad's Name) my husband for the Subject Access Request dated 17/11/2014 he sent to you. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. If I do not hear from you then I will assume that this letter of authorization is satisfactory and that the 40 day timescale is continued. Yours Sincerely (Signed) (Mum's Name) Thanks Andrew

Hi all again, Had a letter from Halifax, it was dated 20/11/2014 and I got it on the 22/11/2014. It said thank you for contacting us, they've received the £10 fee and said they have started requesting information on all accounts. It will be sent on or before the 30th December 2014. It's also said if there are joint accounts and only one party has signed, that the other party will need to send written authority within the next 7 days quoting the DSAR Ref number. Now it is a joint account with my dad and mum so can someone give me a template for an authority letter? because I'd like to get the letter sent off tomorrow. I'll upload the letter also encase I've missed something. Many Thanks Andrew Has anyone found themselves in the same situation? I can't seem to find any authority letters anywhere on this website. Can anyone please make a template or advice me on how to type one. Many Thanks Andrew

Good to know renegadeimp thanks, So what does he do now? I'm guess proof is going to be needed? he has a lot of payslips, and will probably be able to have witnesses to the fact he has so little breaks.

Hi becky2585 thanks for your reply, I thought there was a underpayment or something going on. How would I go about grievance asserting? He said he wanted to say something but got the fib he'd probably be fired if he did. Thanks Andrew

Hi renegadeimp thanks for the quick reply, He works 6 days a week: 8-5:30 Monday to Friday 8-1:30 Saturday The only break he gets is a 10min at dinner (between 12pm and 2pm) and sometimes not one at all. This is why I thought I should ask about it, what should he do? Thanks Andrew

Hi all again, sorry if I've put this in the wrong place but not sure where it would go. My sister's partner has been working at [removed] for about 5 years now, and he's brought to my attention that he believes he's not being payed for the hours he is working. Now he starts work at 8am and only finishes when "the job is done" which is normally half 5 to 6pm. He gets weekly payslips and he's latest pay slip (21/11/14) says: TAXABLE PAY: 260.85 NON-TAXABLE: PAY 0.00 TOTAL PAY: 260.85 INCOME TAX: 13.60 NATIONAL INSURANCE: 12.94 NET PAY: 234.31 TAX CODE: 1000L Now in the hours column it doesn't have any hours in it at all. Surly the company has to put the hours he works. As always any advice is much appreciated. Thanks Andrew

Hi f16, My sister still hasn't heard anything and it's now past the 20th. Any idea on what the company will do now? Thanks Andrew

Thank you redbel11

GOOD NEWS! NatWest send me a letter today about my complaint. I'll upload the letter but the main points are: Even though NatWest believe I haven't been unfairly indebted and all the charges have been applied correctly in line with there published Terms and Conditions. Due to my personal circumstances as a good old gesture of goodwill they have agreed to refund all charges and a £90 unarranged borrowing fee. So was £314 in the red, today I'm £17.82 in the good old black! So as thanks to the great people here for helping me out I'll be donating £7 to this wonderful website after posting. Once again many thanks Andrew [ATTACH=CONFIG]54428[/ATTACH]

Just had Natwest trying to talk to me on the phone. They rang the house asking for me, I answered and was told they tried calling him on his mobile. Good job I forgot to update them I had a new mobile number I said he (me) wasn't in, so they said they would sent me a letter. My letter got to them on the 17/11/2014 8:48am, I look forward to what they will say about my charges. Andrew

Just checked with Royal Mail and my SAR was delivered on the 17/11/2014 09:38am, so I'm I right in saying they've got until the 29/12/2014 to have it back to me. Thanks Andrew

I've sent if off today 1st class recorded delivery, Let the games begin as they say Andrew

I was only going to do it because I've seen people saying to on this website. But from what you've said I've just signed it as normal. I've sent if off today 1st class recorded delivery, Let the games begin as they say Thanks Andrew

Are i didn't think of that xd, But I've only had my Littlewoods account with them. Just wondering after reading the other post about someone claiming back charges, when I sign the SAR what do I do to much sure it doesn't get lifted? Thanks Andrew

Would they just go off my name then? I thought you'd need an account number as a starting reference for the company to workout who you are. At the moment I've got the full SAR typed up with this address: Shop Direct Limited 1st Floor Skyways House Speke Road Speke Liverpool L70 1AB And my Littlewoods account number in the Account/ref number bit of the letter. Andrew

Thanks for the link dx100uk, What address should I use? I've found online that there registered office address is: 1st Floor Skyways House Speke Road Speke Liverpool L70 1AB Should I put Shop Direct Limited at the beginning off the address like this? Shop Direct Limited 1st Floor Skyways House Speke Road Speke Liverpool L70 1AB Also for the Account/ref number do I just put my Littlewoods account Number? Thanks Andrew

Hi dx100uk, I left this last to post about, because as you can see there's a lot of charges spreading over 3 and a half years almost. That's why I think I need to SAR them because only the dates with days in are what i have a statement off. My question is who do I SAR, is Littlewoods owed by Shop Direct Finance Ltd and if so do I send the SAR to them or Littlewoods. And how would I go about claiming the charges back? Thanks Andrew

Hi all again, I've had a lot of problems with Littilewoods and Shop Direct Finance Ltd of the past few years. I currently owe them £292.95 and have been paying them token payments since May with a DMC. In the time i was in the DMC I had a lot of charges from Littlewoods. I've sent the DMC a SAR because they messed up some other debts of mine too and I want to see what they did. I'll list all the one's I can find with the statements I own and what my credit report says. ??/10/2014 Arrangement to pay (what it says on Credit Report) ??/09/2014 Arrangement to pay (what it says on Credit Report) ??/08/2014 5 Late payment (what it says on Credit Report) ??/07/2014 5 Late payment (what it says on Credit Report) ??/06/2014 4 Late payment (what it says on Credit Report) ??/05/2014 3 Late payment (what it says on Credit Report) 19/04/2014 Late Minimum Payment Fee £12.00 (On the same day I made a payment) 01/04/2014 Debt Collection Telephone Call fee £12.00 ??/04/2014 3 Late payment (what it says on Credit Report) ??/03/2014 Arrangement to pay (what it says on Credit Report) ??/12/2013 Not Updated (what it says on Credit Report) ??/11/2013 Settled (what is says on Credit Report) ??/10/2013 Arrangement to pay (what it says on Credit Report) ??/09/2013 2 Late payment (what it says on Credit Report) ??/08/2013 2 Late payment (what it says on Credit Report) ??/07/2013 1 Late payment (what it says on Credit Report) ??/06/2013 Query (what it says on Credit Report) ??/04/2013 Query (what it says on Credit Report) ??/02/2013 1 Late payment (what it says on Credit Report) ??/01/2013 1 Late payment (what it says on Credit Report) ??/10/2012 1 Late payment (what it says on Credit Report) ??/08/2012 2 Late payment (what it says on Credit Report) ??/07/2012 1 Late payment (what it says on Credit Report) ??/05/2012 Not Updated (what it says on Credit Report) ??/04/2012 settled (what it says on Credit Report) ??/09/2011 1 Late payment (what it says on Credit Report) ??/08/2011 1 Late payment (what it says on Credit Report) ??/07/2011 1 Late payment (what it says on Credit Report) ??/06/2011 1 Late payment (what it says on Credit Report) ??/05/2011 1 Late payment (what it says on Credit Report) 17/11/2010 Debt Collection Telephone Call Fee £12.00 ??/11/2010 1 Late payment (what it says on Credit Report) There are a lot more and the debt was past to NDR money I think around June 2014 because I have a summary from them showing I made token payments In June & July. But i don't think they added any charges, I was thinking of sending a SAR to Littlewoods to get all the information. I was wondering if I can claim the money back and can I get the charges removed from my credit report, because they cant be legal. Also how much of this £292.95 should I pay if a lot of it has been charges. Now my old DMC said when i closed the account down that I owed the Littlewoods debt to Shop Direct Finance Ltd. Also my credit report says I owe Shop Direct Finance Ltd and the data goes back as early as November 2010. Any advice on how to proceed would be much obliged. Andrew

I've got him to sign it, I'll be sending it off in the post tomorrow. Thanks again for the help, I'll be uploading the spreadsheet tomorrow too for you to have a look at. Andrew

Hi citizenb, Just something i want to run by you, I've just been looking at my credit report and when looking at what payday express have put. I've found they've put a few arrangement to pay and a lot of late payments. Now the arrangement to pay are on March, April and May. June, 2 late payments July, 2 late payments August, 2 late payments September, 2 late payments October, 2 late payments Now i joined a DMC mid May and ended it in Nov, so I'm wondering can I get theses removed. Because they are wrong on the basis that my DMC was paying token payments, well they said they was anyway. I've already sent my DMC a SAR to see how they've been handling my other creditors. Any advice on how to proceed would be much obliged. Thanks Andrew

I'm using the Full SAR that's in the library, here's the link: http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request I'll be sending it tomorrow so I've dated the letter 17/11/2014. I've put the letter in my dads name and will be using a postal order as my dad doesn't have a checkbook anymore. Thanks Andrew