Hi, well finally got a response from S+S.not what I expected! Firstly they returned my £10 cheque,with a very detailed explanation of 'manual intervention'+all the hard work that goes into charging me £47!! A tiny 'spreadsheet' with 8 little boxes of £47 plus a mortgage questionaire form charge of £80-all this covering 2002-2003. I rang them+explained I'd requested SAR.their reply was that these were all the charges.Now this could be correct-not sure.mortgage was transferred to them in 2001+was paid off in 2004. Now,do I have to insist on all info they have on me before I can request these charges back?Does the return of £10 fee mean SARnot requested properly? hope someone can advise,thanx in advance:Dshirl

Hello, Many thanks for that Steven-I will start ball rolling with a SAR to them.Keep you posted! Shirl:D

Hello there, only just started looking at mortgage fees.Am I right in thinking I can claim late payment charges back?And how far back can i go?dont really understand difference between 6 yrs+12 years+capitalised? just saw that on the last statement i had(before we paid it off) i had a string of £47 charges for late payments.Any advice please?? shirl

Hi sandra, I've PMed you shirl

Hello, still thinking about going court route but have a few questions if anyone can help please. As the issue isn't really the mis-selling (as they've made offer) but the interest,do I put in claim for PPI amt+int at rate they took plus interest to date?(I asked NW for contractual) Or do I put claim just for PPI amt+int they took?and ask for 8%? shirl

Hi Sandra, keep at it!you are an inspiration+you've cheered me up! I'm ready to get going again now:p shirl

Hi Sandra, yes you did work figures out for me but starting to doubt myself now!I was clear on what to claim but Ms DE says shes offered PPI refund +interest +thats the end of it.I .looked on few links +they all seem to say 'refund of payments +interest' so started thinking........mmm maybe I got mixed up! BTW dont bother going to top man-he doesnt want to know either!I told them how I found info by ringing different depts + they said will not enter into any more correspondence:D have you had final response letter yet? shirl

Hello again, Does anyone know for definite whether interest to present date can be claimed on PPI?The reason I'm asking is because I've been reading around +all I've seen is 'refund of all payments of PPI +interest' Does this mean only interest on payments paid?or interest on these +interest to date? Had final response letter plus bit of arguing with them-they won't listen +just repeat same goodwill gesture blah blah-they won't talk to me any more:cry: So want to be very sure before I start court action.Getting really down about this now.Frustrating when you know they're keeping info back+lying to you;) Gotta cheer myself up! shirl

Sorry , but I thought was on-topic when talking about fraud-just wondered if it was about PPI +other issues. sorry to butt in shirl

Hello, So am I understanding this right?(sorry im thick!)The Fraud Act should cover PPI mis-sold?If thats so couldn't you use same Act in S.A.R - (Subject Access Request) non-compliance +CCA non-compliance

Hi there,Could also be interesting for me,although I've been offered PPI refund,they won't budge on the interest.....I'll give em a ring on Monday to see whether they can help.keep you posted! shirl;)

Hi there,I think NW lose all their agreements. All details of 2 loans I had have disappeared from their records but all other infofrom as far back as 1996 have been sent to me. surprisingly they say i had rebates of PPI from both these loans,sending me printouts on plain paper with amt of rebate+monthly payment.Bearing in mind they have no info on loans at all,i rang them to ask how they found this info.'well you always get rebate +portion of interest back when you cancel PPI'-ok I say but where is the interest then?its not on this printout..oops--no response! Basically NWthink they are above the law -Ithink they stink. Good luck with yours-im goin the court route shirl

To be honest a leaflet is not a good enough answer.you should have been given details of PPI- insurance certificate applicable to your loan. When you get all your paperwork back you'll be able to work it all out hopefully. Any probs post on here-good luck!!!!! shirl

hello, typical response-they will try anything to fob you off !tell them you are entitled to cancel PPI.keep at them because they will say anything to shut you up!remember you are after your money!! regards shirl

Hi Twinsmum,that was quick!!!well done you-on with the next one:cool: shirl

Hi Hedgey, many thanx for that-complaint on way to him!!! shirl:D

hello all, just wondered if anyone knows e-mail address of sir fred goodwin? sure i've seen it somewhere on here but can't find it now:rolleyes: thanx in advance shirl

Well,here i am again, After sending 4 e-mails the woman (to be known as ms x) has finally replied!she answered none of my questions to her. After telling me the ppi was provided by NW,she has said that Norwich Union provided 1+ Sun Alliance provided the other. I sent another e-mail back outlining the 6 points i wanted answered+got a p***off letter back!! miss x says i've got all info they have hmmmm......so go to court if you want(or words to that effect!) so...think i have to go court route now.or does anyone know of anybody else i can pester?!! :D shirl

Hello there, have you got all details of your loans?done a SAR? I am fighting CrapWest at minute over PPI mis-sold but they don't like to give in easily! keep digging at them+someone with more knowledge will prob answer you soon;) shirl

hello there, have you sent for an SRA?(Subject Access Request?) State exactly what you require ie info about loan. ombudsman not much use to most of us-i'm chasing PPI on loans from 98 +99.Hellhasnofury is the expert on most things PPI. Keep at em shirl

Hi Sandra, i think we're both in the NW ignore 'em club:rolleyes: ! like you told me 'keep on chipping at them' hope we both hear soon! shirl

at first i thought it was about mafia..... very good reading+true maybe i was right...........?

oops

hi , yes it sure is-you had dealings with her? don't think she likes me! shirl

hi there,yes i can see what you mean-crafty so-and so's. i'll now compose another e-mail to NW +see if they answer this time.! bet she ignores me again:p. anyway thank you for doing this for me -wait for next instalment! hope you get some response to yours soon too-you're a star! shirl