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Got my sar docs back ! what next ?


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Hi All,

Got my first set of sar docs back today,sat down and totted up the charges,late payment fees,overlimit charges etc going back over six years,it adds up to £960 worth of charges without adding any intrest to it,the balance on the card is £1,200 !!

Just a couple of questions,whats the next step to reply to my cc provider,and is there a template letter on here to send them asking for the return of the charges,and am i right in saying that i can request that any refund on the charges be paid to me as ive been deprived of this money.Lastly,(sorry for being thick,and for all the commas:) ) do i have to seperate the ppi charges on the cc card away from the other charges ?.

 

Many thanks in advance guys.

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Hello Shammy,

 

Can you stick to one thread please, I am finding it hard to keep up with you. Mmmh it is amazing how much these penalty charges amount up to:grin: Have you worked out the figures on a spreadsheet. Are you going for the statutory 8% interest or interest at their contractual rate???? I think you will find a credit card template letter in the bank template letters on the main page of the forum. and yes I would tell them that you want the money repaying back to you in the form of a cheque, as you have been deprived of this money.

 

You also need to work out the ppi payment on a spreadsheet, It is your call regarding whether or not to do them together or not.

 

Which company is this card with

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Hi Hell,

Sorry about the thread.I worked out the figures by adding them up from the sar statments.should i go for interest at the contractual rate or 8% interest ?

The card co is citi

Thanks very much Hell.

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Hi Hell,

Sorry about the thread.I worked out the figures by adding them up from the S.A.R - (Subject Access Request) statments.should i go for interest at the contractual rate or 8% interest ?

The card co is citi

Thanks very much Hell.

 

Hello Shammy,

 

No problem regarding the thread, it is just easier to see the whole story on one thread:grin:

 

Now regarding your calculation you need to put them on a spreadsheet and this will work out the interest from the date they took the charge/ppi to now. Do seperate spreadsheets for the charges and another for the ppi. You can change the interest rate on the sheets to the contractual rate, work that one out, and ask for this first, and then if they don't pay ball, you have the figures for the statutory 8% for court if needed.

 

If you need help shout:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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HI Guys,

Can anyone tell me how to print off one of the letter templates from the library,as i have the computer skills of a drunken lab rat !!!

 

Jesus that many skills:lol: :lol: :lol:

 

Ok there are two parts to your mouse lt click and rt click

 

Find the template letter that you wish to send.

 

Lt click your mouse at the beginning of the letter, and drag the arrow/mouse over the contents of the letter, This will highlight what you want to copy. If you look up to the toolbar on the rt hand top side, you will see page, click on this, it will open up to ,cut,copy paste. click on copy.

 

You then need to go to your word document programme on your computor and click on new page, when the blank page come up. Click on it. go to the tool bar on the top lt, see edit, click on it, cut copy paste will come up, click on paste and there you should have it:D

 

Shout it you get struck

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks Hell,

Got it !!!

 

Yipee:D So now you have the skills of a drunken lab rat that can copy and paste:lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi All,

Got my sar docs from those nice people at co-op cc this morning,I have had the card since 2001 and they have only sent statements up to 2004 and one page from jan 08:mad: .should i write back to them saying they have not fulfilled my sar request.personaly i dont think they have them or they would have been sent out.

 

Thanks Guys:)

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Hi All,

Got my S.A.R - (Subject Access Request) docs from those nice people at co-op cc this morning,I have had the card since 2001 and they have only sent statements up to 2004 and one page from jan 08:mad: .should i write back to them saying they have not fulfilled my S.A.R - (Subject Access Request) request.personaly i dont think they have them or they would have been sent out.

 

Thanks Guys:)

 

Hello Shammy,

 

Hope you have got over your hang-over and got back to your cage:lol:

 

Interesting, they have sent you statements from 2001 to 2004, and one page from 2008, what I wonder has happened to the rest, is this when they applied the ppi????????

 

Send them a non-compliance letter under the data protection act telling them to get their finger out:grin:

 

Data Protection Act - Non-Compliance - Template Letters

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hell,

Yes i did get back to my cage,but those animal rights activists keep letting me out again...oh well, back down the pub !!!!:lol: :lol:

 

Yes, strange about the odd page from jan 08.

 

The ppi started from day one (2001) on average between £30 and £50 per month for the last six years plus about £600 in other charges.

 

Ive printed off (with my new found skills) the letter before action as their time is up,is this the correct one ?

 

Thanks Hell:)

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Hi Hell,

Yes i did get back to my cage,but those animal rights activists keep letting me out again...oh well, back down the pub !!!!:lol: :lol:

 

Yes, strange about the odd page from jan 08.

 

The ppi started from day one (2001) on average between £30 and £50 per month for the last six years plus about £600 in other charges.

 

Ive printed off (with my new found skills) the letter before action as their time is up,is this the correct one ?

 

Thanks Hell:)

 

Hiya Shammy.

 

God that made me chuckle:lol:

 

Hey you'll be worth knowing when you get all that lot back, plus interest at their contractual rate, you will be able to get one of those deluxe wheels:lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Those wheels are good Hell,but the last one i had cost me £50 a week in WD-40 so as not to wake the neighbours up!!!!:lol: :lol:

 

:lol: :lol: :lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Guys,

Can anybody tell me if there is a link on here for a spreadsheet for credit card charges and ppi.The other thing is iwas looking at a post from maroondevo saying that you can claim the whole charge back,not just the difference,is this right ??

 

Thanks Guys:)

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Hi Guys,

Can anybody tell me if there is a link on here for a spreadsheet for credit card charges and ppi.The other thing is iwas looking at a post from maroondevo saying that you can claim the whole charge back,not just the difference,is this right ??

 

Thanks Guys:)

 

Hello Shammy,

 

Don't understand your post:confused: Can you explain a bit more please:grin:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Hi Hell,

Long day,lab rats should not drink blossem hill red wine:grin:

 

What i meant was a post i looked at from marroondevo said that as well as claiming for ppi back on credit cards, any penalty charges you incured eg late payment etc for say £25 which was the rate on my card before they reduced it to £12 in i think 2006, after the oft said the charge was to high.

Then when you came to put the charges into your spreadsheet you could claim the whole £25 that was taken and not just the differance £11:???:

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Hi Hell,

Long day,lab rats should not drink blossem hill red wine:grin:

 

What i meant was a post i looked at from marroondevo said that as well as claiming for ppi back on credit cards, any penalty charges you incured eg late payment etc for say £25 which was the rate on my card before they reduced it to £12 in i think 2006, after the oft said the charge was to high.

Then when you came to put the charges into your spreadsheet you could claim the whole £25 that was taken and not just the differance £11:???:

 

Hello Shammy,

 

I did with MBNA and they even paid the £12 charged with contractual interst to boot:D Took 3 letters to them, and 3 goodwill gestures to get it, but very financially viable:lol:

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Thanks for that Hell,

Can you tell me which spreadsheet to use, as ive never used a spreadsheet before and do not want to mess it up :)

 

Many Thanks

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Hi guys,

Tried a couple of the spreadsheets but still not sure which one is the best one to use.Maybe i would be better off with an abacus !!:) DUUUUUUHH !!

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Hi guys,

Tried a couple of the spreadsheets but still not sure which one is the best one to use.Maybe i would be better off with an abacus !!:) DUUUUUUHH !!

 

Hello Shammy,

 

Have a look at these, they were in the bank template section on the main page, do you have the software on your computor to open them:grin:

 

England - Advanced - Excel

England - Advanced - Works

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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Morning All,

Have sent of my first claim for charges and ppi for one of my credit cards(after a lot of help from HHNF!) but the other two have not complied with my sar.

I have sent both of these companies a letter before action,but i was wondering what the actual process is when you apply to the court to force them to comply,are there any particular forms you need to ask for etc ?

 

Thanks Guys:)

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