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    • dx100uk - thank you for your advice.  I will send a SAR to Vanquis and really appreciate all the help on here.   I may have read your last sentence in the way that it was not intended but it has came across very judgmental and not helpful.  I have came on this site for some help, not to be judged.  If that was not your intention then I apologise as I realise text can be read in the way it was not intended.  
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    • Must be a positive if the Insurers are now using the legislation as it was intended. It is just that I have not heard of it being used for Car Insurance, as the 22% comes from the Insurers rating calculations, which is not available information to the Policyholder. With Home Insurance, if you Insured a Building for £100k, when it should have been Insured for £122k, it is easier to grasp.   The Insurers would have issued the policy documents clearly showing that no motoring offences had been included within the premium calculation and the OP has had 5 months to correct the record with Insurers before the accident.   Perhaps probe the Insurers on the 22%. Can they provide evidence from their Underwriting rating guidance that this is the extra premium for 2 SP30's.
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Hotdog77

Lloyds tsb Ppi...not sure how to takle them

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Hi there,

 

Sent a letter to Lloyds tsb on behalf of my partner with regards to the ppi applied on his 8k loan taken out in 2004. Ppi sum = 1737.58

 

Last week he received ny the looks of things a standard letter of refusal on teh complaint, although they are willing to refend aprox 658.99 of ppi, which is the total backdated to 13.03.09 when we first made the complaint.

 

The letter they sent is just them upholding the fact that thier staff are trained to explain fully to the customer the protection policy, they provide a mixture of oral and written documentation for the customer of what the policy would/would not cover, tehy provife its customers details of the costs of the insurance showing the difference in cost between loan with and loan without ppi...da....di...daaa.....

 

To be honest I am not happy with this as its another fob off letter, and the fact that if i were to cancel and get a rebate, the rebate figure would be all of 172.72 if the insurance was cancelled now.

 

Lastly, if my other half did accept thier offer, they would refund the money off the loan.

 

Need to know how to takle this? We don't want to accept thier offer, nor does he want the money taken off the current loan.

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Hi there,

 

Sent a letter to Lloyds tsb on behalf of my partner with regards to the ppi applied on his 8k loan taken out in 2004. Ppi sum = 1737.58

 

Last week he received ny the looks of things a standard letter of refusal on teh complaint, although they are willing to refend aprox 658.99 of ppi, which is the total backdated to 13.03.09 when we first made the complaint.

 

The letter they sent is just them upholding the fact that thier staff are trained to explain fully to the customer the protection policy, they provide a mixture of oral and written documentation for the customer of what the policy would/would not cover, tehy provife its customers details of the costs of the insurance showing the difference in cost between loan with and loan without ppi...da....di...daaa.....

 

To be honest I am not happy with this as its another fob off letter, and the fact that if i were to cancel and get a rebate, the rebate figure would be all of 172.72 if the insurance was cancelled now.

 

Lastly, if my other half did accept thier offer, they would refund the money off the loan.

 

Need to know how to takle this? We don't want to accept thier offer, nor does he want the money taken off the current loan.

 

Have you sent a Subject Access Request to get all of the data applicable to your OH if not that is how to start. Send the SAR with the Statutory fee of £10.00 (Postal Order is best) send the letter first class recorded signed for so you can track through Royal Mail.

 

Letter templates here..

 

Full SAR for ppi and also here..

 

Data Protection Act 1998 - Subject Access Request

 

and be sure to ask for these:

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. Send all correspondence by at least recorded to be signed for so you can track delievery through Royal Mail.

 

The things you should get from a Subject Access Request are:

 

True copies of your Consumer Credit Agreements (CCA) with the terms and conditions that were applicable to the agreement at the time the loan started.

 

Copies of all your statements.

 

Copies of all correspondence with regard to the loan, letter, fax, transcripts of phone calls or transcripts of phone calls, or other notes taken by them during the calls.

 

Also be specific in your request for full disclosure on any PPI added to the loans this should be identifiable on the CCA.

 

Specifically request the needs and wants/Customer duty of care questionnaite which should have been completed at the point of sale. This questionnaire should be filled out by the bank advisor to ensure all the relevant questions have been asked to ensure the product is fit for purpose and suitable to your needs. See this as an example.....

 

When you send your Subject Access Request you should ask for evidence of the questions asked at the point of sale.

Please see this link for an example:.....http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

 

The data requested should be data in any format that their organisation uses for filing, electronic, paper, microfiche, CD, Floppy, Magnetic tape.

 

Please have a read through the following links for further information.

 

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 is a little snippet from the above link....

 

Quote:

Can I reclaim on any PPI policy?

Your claim for compensation is dependent on when you took the insurance. PPI sales only came under the jurisdiction of the FSA on 14 January 2005. Any sales made before then are not covered by the latest rules.

However, it may still be worth complaining to your lender if you feel you have been mis-sold. If you bought before January 2005 it is likely that they will have been covered by a previous regime of rules. This means that the Financial Ombudsman Service will be able to consider these complaints. If you took PPI after January 2005, your claim is subject to the latest rules.

All of the above and more in this sticky at the top of the forum.

 

links

 

It's a lot of reading but some useful stuff in there:wink:

 

Hope this helps:wink:

 

Homework first :shock:

 

Then claim your money back:grin:

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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LLoyds will stand by their fob off letter whether they bear any relationship to your complaint or not - you have to be prepared to take this one further as Lloyds just play delaying games


If you can keep you head when all of those around you are losing theirs try parking your helicopter somewhere else

 

 

The PPI Saga

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LLoyds will stand by their fob off letter whether they bear any relationship to your complaint or not - you have to be prepared to take this one further as Lloyds just play delaying games

 

 

This is true just started a Lloyds TSB claim and immediately came up against delaying tactics. Be patient the PPI issue is a lost issue in the case of banks, credit cards. mortgages etc so the ploy now is to delay any claimants for as long as possible and to hold on to PPI money for the same as long as possible. Better in their pockets than yours. Keep at them and your PPI will be recovered if it was mis-sold;)

 

aa


I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner.

------------------------------------------------

Bank charge successes:

Halifax - Full settlement incl interest.

HSBC - Settlement, goodwill no admission of liability about 75% of claim.

RBS - Settlement, goodwill no admission of liability about 70% of claim.

2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did :mad:

PPI Successes

PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.

2 claims settled in full with LV without FOS involvement.

2 claims settled in full with HSBC without FOS involvement

 

PPI Claims ongoing with:

Cap one Now with the FOS

Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.

LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc

 

1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this..

Post 290 from

***RBS PPI Claim Long fight but, WON***

 

Please do not PM me for advice as it may be sometime before I can respond.

 

Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.

 

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Hi AA/Red vixen,

 

Its ben a while, but i've posted below the template and would like you to proof read it before i post the letter. Please feel free to change any sentences if neccessary:

 

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.

 

- 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.

 

-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.

 

-Questions asked at point of sale. the needs and wants/Customer duty of care questionnaire which should have been completed at the point of sale

 

True copies of your Consumer Credit Agreements (CCA) with the terms and conditions that were applicable to the agreement at the time the loan started.

 

Copies of all your statements.

 

Copies of all correspondence with regard to the loan, letter, fax, transcripts of phone calls or transcripts of phone calls, or other notes taken by LTSB during the calls.

 

full disclosure on any PPI added to the loans

 

The data requested should be data in any format that their organisation uses for filing, electronic, paper, microfiche, CD, Floppy, Magnetic tape.

 

 

 

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

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Hi There AA/Red Vixen,

Ok! So I’m ready to start this one properly, by sending the SARS letter today.

Just a note that since having the loan, my other half actually lost his job, although never making a claim on the ppi and was also made bankrupt last Jan. Would this help his claim? As I was actually going to use this as defence in claiming bank charges, before the current ruling was made.

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Hi there,

 

Lloyds have written back to confirm receipt of SAR and £10 postal order, but are asking for a signed request by signing an attached form? is this ok?

 

the attached form has got a part for sign and date details, then it has underneath that 'OR' i will collect my parcel from a particular branch. is this a trick?

 

does my other half sign or collect?

 

also funny enough, they have sent following letter just dated January 2010. the jist of the letter says we recently wrote to you regarding your loan protection insurance policy on the loan. unfortunately enclosed is the correct version of your policy booklet and would like to apologise for any inconveinience caused, please destroy that version and use the enclseod booklet. Mmmhhhh!

 

it goes on to say you may be interested to knoe that your loan protection insurance policy provided life cover for your loan and access to positive job solutions, unemployments cover well he was made unemployed since he's had the cover and was also made babcrupt jan last yr.

Accident and sickness

Hospitlisation

Critical illness.

 

Some advice pls. i have till 28th Feb to reply.

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Help!!!! Please!!!! :-(

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Hi There anyone, Some help please

 

Original letter sent 20.1.10 by recorded delivery and received the next day. Postal order was cashed 25.2.10. The 40 days is well and truly over.

How do I proceed?

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