ppi or ppp

[willo9173]

Hi guys can anyone help

Having read though the mis sold ppi theads i was wondering if payment protection plan is the same as payment protection insurance.

 

I got a 4000.00 pound loan out in 2002 and with having read though the thread i decided to have a look at my agreement and it says nothing about ppi but ppp costing me a extra 792.00 pound :-|

[pompeyfaith]

Both the same althouth the correct term is PPI but hey some companies like to confuse us

 

Regards

 

Pompeyfaith

[willo9173]

Can anyone help me with what the next steps are?

[e28bigalbexley]

willo

Adapt this to suit

send this keep receipts for postal order and send registered post.

 

Your address

 

Their Address

 

Date

 

DATA PROTECTION ACT 1998

SUBJECT ACCESS REQUEST

 

 

Dear Sir/Madam

Your name: xxxxxx

Account No/ No’s

 

 

 

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts And or credit cards

 

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and or credit cards, payment protection insurance and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:

-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

 

- A complete list of all transactions or statements relating to ALL of my Loan Accounts and or credit card with your organization.

 

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

 

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

 

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

 

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

 

I enclose a cheque in the sum of £10 to cover your fee.

 

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

 

I look forward to hearing from you in the first instance of receipt.

 

Yours faithfully

 

 

Your name

 

Sign your signature and put a line through it so you will know if you see it again:o You never know

 

They have 40days to comply under the Data Protection Act, but do be nice and allow some time for postage. Which should always be by recorded delivery, so you can prove that they did receive it.

 

have fun

 

AL

___________

[dx100uk]

dont forget to charge them interest at rheir rate too!

then add 8% to that total if its a cc

 

dx

[willo9173]

Hi guys

I was telling my father about ppi on loans. He said he was paying ppi on his barclaycard he is paying 35.18 ontop of his bill and he has had his card for years?. He is 63 were dos he stand.

[pompeyfaith]

Hiya Wil,

 

Get your father and indeed yourself to read the link below lots of useful info in there.

 

It may give you the reasons for being mis-sold.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/61081-ppi-some-notes-claimants.html

 

Did you send of the S.A.R letter bexley posted above if so get you father to send one of too.

 

Before you send of the request for a refund you need to know how much you are claiming so only the letter above can get you that info also remember if the ppi is on a credit card you will need all the statements to see how much you paid each month.

 

Regards

 

Pompeyfaith

[willo9173]

Thanks For The Help Will Keep You Informed:d

[willo9173]

Hi guy just got a phone call from a company call claims direct saying how a have been sold p.p.i. by blackhorse loans.

HOW DID THEY KNOW I HAD A LOAN AND I HAD BEEN SOLD PPI.?????

If the do all the paperwork and i win they get 30% of the amount i get back.hahahaha

[willo9173]

Sent letter on the 6/04/09 still not heard anythink yet wot is my next step any help please.

(barclaycard)

[alanalana]

Sent letter on the 6/04/09 still not heard anythink yet wot is my next step any help please.

(barclaycard)

 

If you have sent a Subject Access Request with the £10.00 fee they have 40 days plus 2 for postage time to supply you all the data.

[willo9173]

Ok all sent a subject access request on the 6/4/09 and the 10 pound postorder recorded delivery but i have still not had any reply.

Can any 1 help with what i do now thanks len.

len v (barclaycard)

[alanalana]

Ok all sent a subject access request on the 6/4/09 and the 10 pound postorder recorded delivery but i have still not had any reply.

Can any 1 help with what i do now thanks len.

len v (barclaycard)

 

They have had their statutory 40 + 2 days so next step is non compliance letter from this link...

 

Data Protection Act - Non-Compliance - Template Letters

 

The step after that if no response is formal complaint to the Information Commissioners Office from this link...

 

Complaints - Information Commissioners Office

 

This is a copy of my complaint but I sent it to everyone.

 

Submission of a Very Serious Formal Complaint against the Royal Bank of Scotland

 

Despite several further requests for the information as required by my S.A.R - (Subject Access Request), none has been forthcoming.

 

Letters have been sent on:

24 January 2008

16 February 2008

12 March 2008

28 March 2008

2 April 2008

12 April 2008

12 April 2008 Request for CCA under provision of Consumer Credit Act 1974

19 April 2008

 

I have still not received Consumer Credit Agreements with associated paperwork on four of the loans. Because of the inordinate delays, the information requested on the first loan which was refinanced in March 2002 would be of no use as any claim against that loan would now be statute barred within the Scottish Courts.

I have not received data in the name of recordings of telephone conversations or transcripts of those conversations between the RBS and myself.

I have not received copies of emails or letters which I know exist.

I have also not received any properly certified documentation by Data Controllers within the RBS stating the information that I have requested has been disposed of, destroyed or erased.

 

The Royal Bank of Scotland is a member of the British Bankers Association (BBA), is licensed by the Financial Services Authority and should I believe, operate within the Law of the Land and therefore respond within the statutory timescales within Legal Acts at Law, namely the Data Protection Act 1998.

 

I have, when asked, provided information to the RBS, but it seems to me now, that they will try and delay supplying the data requested by using whatever delaying tactics they see fit. On one occasion referring me back to DLFS for the information I had requested. The fact that the DLFS had been legally transferred back to the RBS on 1 March 2006 (the transfer included all DLFS loans) was obviously overlooked by the Data Protection staff within the RBS.

This is indeed an extremely sorry state of affairs and it beggars belief that RBS staff would not be aware this Legal transfer had taken place.

 

My understanding is that the RBS had 40 days to fully supply all the information requested in my Subject Access Request, this has most certainly not happened.

 

I would therefore like to request that each addressee takes the appropriate measures to instruct or at least direct the RBS to supply this information to me as a matter of urgency.

 

I have a complaint lodged with the Information Commissioners Office Case Reference xxxxxx

I would now urge the Commissioner to consider an Enforcement notice against the RBS under Section 40 of the Data Protection Act.

I would also request that the Financial Services Authority, the Financial Ombudsman Service, the Office of Fair Trading and the British Bankers Association add this extremely serious complaint to their files on the Royal Bank of Scotland.

 

 

 

Yours sincerely

 

 

 

A xxxxxxxxxxx

Distribution:

 

The Financial Services Authority, 25 The North Colonnade, Canary Wharf, London, E14 5HS.

 

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London,

E14 9SR.

 

The Commissioner, Information Commissioners Office, Wyckuffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

 

The Information Commissioners Office, Casework and Advice Division, Wycliffe House, Water Lane, Wilmslow, Cheshire, SK9 5AF.

 

The Office of Fair Trading, OFT Enquiries, Fleetbank House, 2-6 Salisbury Square, London, EC4Y 8JX.

 

Chief Executive, British Bankers Association, Pinners Hall, 105-108 Old Broad Street, London, EC2N 1EX.

 

hope this helps keep the momentum up;)

 

It is frustrating when they just ignore you. IMO the more complaints the merrier.

[willo9173]

Thanks alanalana will sent a non compliance now thanks again

[willo9173]

Hi guys finally got all my fathers statements today .He has payed 1214.67 plus 8% interest over 7 YEARS can he still claim. he is 63 and not worked foe over 10 years. what is my next step any help please thanks

[alanalana]

Hi guys finally got all my fathers statements today .He has payed 1214.67 plus 8% interest over 7 YEARS can he still claim. he is 63 and not worked foe over 10 years. what is my next step any help please thanks

 

Don't see why a claim cannot be submitted. However what is the position on your action?

 

Did you get more than just statements ie CCA etc.

 

If you did it is now time to send a letter reclaiming the full amount of the PPI plus the contractual interest on that PPI and also ask for 8% statutory interest. As he has not worked for 10 years the PPI was clearly mis-sold. You should perhaps suggest that a negative response to your request will result in a formal complaint to the Financial Ombudsman Service. This complaint will of course result in a £500 fee to the Ombudsman.

 

aa

[willo9173]

HI gang sorry i did not reply quicker

only got the statements sent to me. Can any one help with my letter and what i have to say thanks willo

[alanalana]

Data Protection Act - Non-Compliance - Template Letters

 

Use this template and include everything else you want them to supply.

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan.

 

Copies of all statements applicable to the loan. (Already received)

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

A copy of the needs and wants/ customer duty of care questionnaire... here is an example.

 

http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

Copies of any notes made by LTSB staff in their dealings with you.

 

aa

[willo9173]

Hi guys got a letter from barclaycard about my ppi claim.

They say i need to fill in a questionnaire to help them with there investigation is this a stalling point and do i have to fill it in as i gave them all the information they need in my letter

any help please willo9173

[pompeyfaith]

Yes a classic stalling tactic hoping you will go away but poor them because that's not going to happen is it.

 

Right how long have they been dealing with the claim for because if its more than 8 weeks you can pass the complaint over to the FOS to deal with.

 

Firstly I would send a letter stating that you fail to see why you need to fill the form in or its relevance to your claim as you already have all the data you need to investigate my PPI complaint and that you feel this is a delaying tactic which you are aware goes on widely in the financial industry.

 

Also make it known that you are fully aware of the amount of complaints the FOS receives regarding Barclaycard and if you do not comply this complaint will be another on its way to the FOS resulting in another £500 fee for you to pay.

 

Finally the FOS Complaints data link is below look up barclaycard and have a read.

 

Complaints data

 

Regards

 

PF

[willo9173]

Thanks pompeyfaith for your reply i will send them a letter again.

Will keep you all informed.

ps only sent 1st letter 15 days ago after i had received all statements

[willo9173]

Hi guys can anyone help me but a letter together?

Sent the questionnaire to help them with there investigation with a letter saying that i was not happy and the questionnaire as i belive this was a delaying tactic but i still have not recived a reply from b/c.

date sent was 12/10/09