Help with PPi or IVA Newbie

[john_79]

Hi all and firstly i would like to say this forum is great and praises to all that contribute in assisting the needed.

 

My concern is that i have three accounts that i have been given PPI,

 

Now i had never signed any agreements for these and just like your input as to what i should do and where i stand,i am currently still paying for these and i am employed

 

Hsbc Visa Credit Card balence oustanding £4999 limit £5000

had the account for over 5 years no missing payments always paid the min payment,

 

Mbna Master Card outstanding £3200 limit £3500

Had the account since 2006 no missed payments, paid min payment

Online applacation for credit card never signed any paper Documents.

 

 

Halifax Master Card Outstanding £3800 Limit £4000

Had account since 2006 no missed payments paid min payment

Online applacation for credit card never signed any paper documents

 

any feed back will be appreicated

 

Cheers

John

[alanalana]

Hello John,

 

Hi all and firstly i would like to say this forum is great and praises to all that contribute in assisting the needed.

 

My concern is that i have three accounts that i have been given PPI,

 

Now i had never signed any agreements for these and just like your input as to what i should do and where i stand,i am currently still paying for these and i am employed

 

Hsbc Visa Credit Card balence oustanding £4999 limit £5000

had the account for over 5 years no missing payments always paid the min payment,

 

Mbna Master Card outstanding £3200 limit £3500

Had the account since 2006 no missed payments, paid min payment

Online applacation for credit card never signed any paper Documents.

 

 

Halifax Master Card Outstanding £3800 Limit £4000

Had account since 2006 no missed payments paid min payment

Online applacation for credit card never signed any paper documents

 

any feed back will be appreicated

 

Cheers

John

 

My first advice would be to start a new thread for each of your claims

 

One for the for HSBC Visa credit card.

 

One for the MBNA Master card

 

and one for the Halifax Master card

 

That way you will keep the issues separate and cause no confliction with any replies. You will also be able to expect advice in each forum from caggers going through similar claims with each of the companies. It keeps things clean and clinical.

 

You state you have never signed any agreements so I would suggest you now submit a Subject Access Request for each of these accounts and see what data comes your way.

 

It will cost you a £10.00 statutory fee for each account there are templates here..... Full SAR for ppi and also here.....

 

Data Protection Act 1998 - Subject Access Request

 

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. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

 

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/card/mortgage.

 

Copies of all statements applicable to the loan/card/mortgage.

 

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 demands or 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 bank/loan company staff in their dealings with you as a data subject.

 

There is much more information in here that should help you along the way.

 

http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/135060-mis-sold-ppi-want.html

 

there is much more in the above link to help you decide on how to progress with a claim for mis-selling.

 

Do not be fobbed off by them citing issues such as relevant filing systems.

 

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

 

aa