Subject Access Request for PPI

[hellhasnofury]

Please use the following link to the CAG library for the updated Subject Access Request.

HERE

Note: It is not a good idea to identify that you are seeking data on any PPI you might have had over the lifetime of a Credit Card or Loan.

Edited November 16, 2014 by citizenB
Updated with new information November 2014

[tonycee]

Nice one HH.

 

This is one of the more confusing subjects, but with you on our side, at least we have a chance.

 

HHNF for site helper....NOW...

[miss muppet]

I'll second that:D

[hellhasnofury]

Nice one HH.

 

This is one of the more confusing subjects, but with you on our side, at least we have a chance.

 

HHNF for site helper....NOW...

Heh Tony behave now,

 

I just choked and spluttered my tea all over the keyboard reading you comment. Thanks for the clicky thing. It is much appreciated.

[tonycee]

Im serious.

Your obvious selfless crusade to the cause is admirable and much appreciated.

This particular forum would fail allmost overnight without you.

You and CAG compliment each other, and therefore us, completely.

 

 

Have a think please.

 

http://www.consumeractiongroup.co.uk/forum/announcement.php?f=111&a=113

[pennypenny]

HHNF for site helper gets my vote too. I dont know where I would be without her help and support. She has helped so many people with their PPI claims as well as dealing with her own.

[shirleyc]

hear hear!

HHNF has been there for all of us +still helping me:D

i'll be in touch again v.soon hell!

regards shirl;)

[hellhasnofury]

Bumping this one up, I am going to ask the mods if this can be a sticky and then it won't get lost on the forum:lol:

[colin roberts]

Brilliant repy to my thread. Bless you all.

Merry Christmas.

Col.

[pompom]

ty so much for this, I didn't know where to start as the loan was taken out by my husband while we were seperate for a while and I dont know how he managed to be accepted, but this way I can get all the information off the company themselves ty so so much

[moosetea]

PPI is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?

[hellhasnofury]

PPI is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?

 

Whoever sold it to you:D They are the ones that they made the profit on it for their unjust enrichment. These policies were sold on a lets make commission or reach target basis, and millions of pound were made in profit for these companies and banks. Did I just say that pppfffttt:D

[corny90]

Can anyone advice please

 

Should the loan application and/or loan agreement form show what percentage of the monthly repayment is PPI and what is the loan repayment?

[Adam24660356]

The loan agreement is what you need to look for. This document is required to specify the amount that you have borrowed together with any anciliary charges which have been added to the loan. This will include total interest payable, your monthly payments and any insurance products you may have attached to the loan.

 

I hope this is helpful.

[charliebright]

Hi,

 

I have submittes your SAR and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPI 2 months ago, the bank is still charging me this protection cover.

 

Help me out please

[gibbyni]

Just wondering would this include recording of telephone calls, Egg are saying they cant find mine.

[hellhasnofury]

Hi,

 

I have submittes your S.A.R - (Subject Access Request) and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPI 2 months ago, the bank is still charging me this protection cover.

 

Help me out please

 

Hello CB,

 

They have 40days to comply, so tick, tock. I would also write again to them and remind them that you cancelled the ppi two months ago and you wish written confirmation that they have done so:D Can you post your questions on your thread, so that we can see the whole picture on it please:D

[hellhasnofury]

Just wondering would this include recording of telephone calls, Egg are saying they cant find mine.

 

Hello Gibbyni,

 

The information they should provide is all information, this includes any recordings of telephone calls and transcripts of these calls.

 

If they do not have them, don't be discouraged, it may be more to your advantage, in that they have no proof:D

[gibbyni]

Hello Gibbyni,

 

The information they should provide is all information, this includes any recordings of telephone calls and transcripts of these calls.

 

If they do not have them, don't be discouraged, it may be more to your advantage, in that they have no proof:D

 

The reason for asking was to get the call have a look at my other thread where the FOS have turned me down

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/134600-ppi-claim-egg-rejected.html

the telephone call would prove that it was missold

[mcvic]

What is the difference of PPi and LLP(Loan for Loan Protection Insurance)?

[alanalana]

Hello mcvic,

 

What is the difference of PPi and LLP(Loan for Loan Protection Insurance)?

 

I believe these are one and the same. PPI payment protection insurance is supposed to cover you for periods off work through illness etc but a lot of policies do not cover certain exclusions such as unemployment, self employment, pre existing medical conditions, over retirement age etc etc and are therefore not worth the paper they are printed on:mad:

 

LLP or Loan for Loan protection Insurance is I believe the same thing but renamed ie you will take out a Loan for x £ then you will be required to take out insurance to protect the capital on this loan.

 

So you borrow for example £10,000 that is ok but the banks to make money then require you to take out a protection loan to cover repayments in the event you cannot make the payments due to illness etc.

The cover sadly is not always appropriate and does not always pay out leaving the borrower in a bit of a pickle.

 

You are effectively taking out another LOAN to protect the initial loan of £10,000 the figures are added together and interest is added on for the life of the loan say 60 months if you pay the loan off after 24 months you are effectively still paying the interest on the loan for another 36 months. This means the banks are making a huge profit and your policy would not cover you.

 

Sorry for the long post but PPI is a very emotive issue.

 

aa

[mcvic]

Alanalana thanks for clarifying that, with out hijacking this thread Lloyds tsb have added £6,071.40 + 6.9% interest on my current existing of Loan £26485,20 including 6.9 % interest would it be wise to send a cca request since I'm still making payments this loan and have made 25 monthly payments todate of £550 from 10/2006? or is there a thread with a similar case to mine?

 

Apologies I will start a new thread

Edited November 15, 2008 by mcvic

[alanalana]

Hello mcvic,

 

would it be wise to send a cca request since I'm still making payments this loan and have made 25 monthly payments todate of £550 from 10/2006? or is there a thread with a similar case to mine?

 

Yes to the CCA request.

There will no doubt be cases like your own. You are in the correct forum for the PPI issue but your own thread means you will get direct assistance without having to hunt for information.

 

Also have a good read of other threads and it will give you the general picture of the process.

 

aa

[scouser9]

Hello, Just a quick request for help and to check wether ive done right or not concerning PPI.

 

Heres the letter I sent to Halifax and I will type the their answering letter in afterwards, sorry for jumping on here If a mod would kindly start another thread with this I would be grateful.

 

Here's My letter

 

I purchased the above policy from you in [Febuary2003] in connection with the [loan agreement] referenced above.

I believe that I was mis-sold this policy for the reason(s) given below, and wish you to investigate my complaint according to your normal complaint procedures.

I was not told that the insurance was optional.[/font]

I was led to believe that my application for credit would be rejected if I did not take out the insurance.

The policy exclusions were not explained to me either before or at the time I took out the insurance. I was therefore unable to make an informed decision as to whether this insurance was appropriate for me.

I now believe the insurance was unsuitable for me as I was [self employed] at the time I took out the policy and was not made aware of the specific exclusions relating to unemployment cover.

If my complaint is upheld I require a refund of all premiums paid to the policy, plus any additional interest charged to me because of the PPI. I would also like to claim statutory compensation in view of the fact that I have been deprived of the use of this money.

Please now investigate my complaint within the eight weeks allowed to you.

Yours faithfully

 

And here's their reply.

 

Halifax Boffins UK.

 

Dear Scouser9,

Thank you for your recent letter.

 

I am sorry to hear your concerns regarding the insurance applied to your loan.

 

We are keen to deal with your concerns as quickly as possible, however our investigation may take some time. The Financial Services Authority allows us up to eight weeks to investigate complaints and it is our intention to deal with your concerns within this timesacale and provide updates when appropiate.

Please find enclosed a copy of our leaflet, which tells you how we will handle your complaint.

 

Yours

Leanne Clegg

 

Now when I took this loan out I was working full time, then I had a serious accident at work which made me diasbled for life, the halifax knew this because of doctors and specialist letters, which I supplied as I thought when needed, now I cannot pay this loan at any price and its been handed over to Moorcroft &*&&^ heads who are badgering me,

 

I thought that the insurance would kick in with payments because i couldnt work.

It has never happened Im 1986 pound in arrears and like I said I cannot pay a dime, I have 2 daughters and they seem to take up every penny and what with living expenses getting worse. I really feel like cutting my throat.

 

any help or advice would be gratefully received.

 

sorry for jumping in

regards

mike

Edited November 28, 2008 by scouser9
spelling and fonts wrong

[scouser9]

Hi Folks just thought I would update my last message with Halifax's answer to my letter post #24

What I need to know how is what di I do next ie I have tried to work out what they owe me and I dont understand the CAGs Spreadsheet for this. So any help would be apprieciated.

 

 

Dear Scouser9,

 

2nd December 2008

 

I refer to your recent complaint regarding the Payment Protection Insurance (PPI) on your Halifax loan.

 

First, on behalf of Halifax, please accept my sincere apologises that you have felt the need to complain. All such complaints are taken seriously indeed and to ensure I have understood and therefore addressed your complaint, I will now take the time to summarise your concerns.

 

You believe you were mis-sold insurance taken out with the above loan agreement for the following reasons:

• You were not told that the insurance was optional
  
• You were led to believe that your application for credit wouild be rejected if you did not take out the insurance.
  
• The policty exclusions were not explained to you either before or at the time you took out the insurance. You were therefore unable to make an informed decision as to whether this insurance was appropiate for you
  
• You now believe the insurance was unsuitable for you as you were self employed at the time you took out the policy and was not not made aware of the specific exclusions relating to unemployment cover.
  
• You request a refund of all premiums paid to the policy, plus any additional interest charged to you because of the PPI, You would aslo like to claim statutory compensation in view of the fact that you have been deprived of the use of this money.
  

As part of my investigation into the sale of your PPi, I have considered the information available to me.

 

Having do so, and in view of the fact that you are a valued customer, I have decided to pay you an amount which will put you back in the position you would have been in had you had not taken the insurance. This is done without admission of liability and in full settlement of your complaint about the PPI on your loan.

 

Where an account you hold with Halifax is in arrears it is our Policy to offset the amount of redress we are offering against any currently outstanding balamce. By taking this action wea are helping you to ensure that interest and / or charges in relation to your loan are reduced. Therefore, if you are in arrears, the redress will be used to reduce or clear the arrears and any surplus will then be paid to you.

 

It is anticipated this payment will be made within the next month. If at this time you hold an open account. If you do not hold an open account with Halifax or Bank Of Scotland the settlement will be paid to you by cheque.

 

I trust that this offer has addressed your complaint fully, however you can of course contact me directly on the telephone number at the top of this letter should you wish to discuss any aspect of my review further.

 

Yours sincerely

 

Claire Hardy

 

Customer Relations Manager

 

Tel 01244 - 695533

 

Where do I go from here guys and gals

 

thanks in advance

Mike