Do i qualify

[stevecarrcross]

This is going to sound daft, but its a question i need to ask as its been bugging me and i cant find an answer.

 

How do i know if i have been mis sold PPI etc.

 

if i dont have any of my documentation how do i get it etc

 

 

Daft questions but i really dont know the answer and i personally think it would be good to ask it from you guys.

[alanalana]

Hello steve,

 

This is going to sound daft, but its a question i need to ask as its been bugging me and i cant find an answer.

 

How do i know if i have been mis sold PPI etc.

 

if i dont have any of my documentation how do i get it etc

 

 

Daft questions but i really dont know the answer and i personally think it would be good to ask it from you guys.

 

To make a decision on whether you have been mis-sold have a look at these links.

 

PPI - Some Notes for Claimants..

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another useful site to help you reclaim missold PPI UPDATED 16 JUN 08

Reclaim your PPI premiums - payment protection insurance | This is Money

 

THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS

loan payment protection insurance and a quote from this link...

 

When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.

 

If you decide you have a valid claim for mis-selling you need to get the information. You do this by submission of this.....

 

Data Protection Act 1998 - Subject Access Request

 

You should specifically ask for:

 

A true copy of the original Consumer Credit Agreement with the terms and conditions that applied at the date of the CCA.

 

Copies of all statements up to date,

 

A copy of the needs and wants/customer duty of care questionnaire which should be completed by staff at the point of sale to ensure all the correct questions have been asked to ensure the product is suitable for you.

 

All other data in whatever format the data is held on ie paper, electronic, cd, floppy disk, tape or transcipts of tape recordings, microfiche, emails letters faxes in fact anything that relates to you as a data subject with their organisation.

 

the fee is £10.00 and they have a statutory 40 days plus 2 for postage delivery both ways to supply what you ask for.

 

If they fail to respond then the ICO, OFT or Court comes into play.

 

hope this helps keep posting with updates and questions someone will pick up on them and help out;)

 

aa