Credit Card PPI - Where to Start?

[pompeyfaith]

Right here you go just add, delete edit to suit your particular needs.

 

http://www.consumerforums.com/resources/templates-library/48-bank-templates/129-data-protection-act-non-compliance-template-letters-

 

PF

[Scoggs15]

Thank you very much. I will send this letter and the complaint to the Info Commissioner this week.

 

Will keep you posted on responses.

 

Are these normal tricks that banks play? Not sending all the data through?

 

Thanks

[pompeyfaith]

Hiya Scoggs,

 

Are these normal tricks that banks play? Not sending all the data through

 

Yes it happens many times offer, which is why you must rise above, not give up and keep fighting eventually they will see you are not a push over and comply with the law.

 

PF

[Scoggs15]

Hi All

 

Okay - i Know have a stack of hundreds of pieces of paper - any advice on where to start?

 

I am still waiting on 4 years worth of credit card statements that have not been provided - have submitted a non compliance letter - is there a time limit that banks keep records for. The missing data is from 2000 to 2004 - should they still have this info?

 

I figured I could start calculating figures whilst I wait for the missing data, but no idea how to work it out!

 

Thanks for the help all.

[Scoggs15]

Hi

 

Is anybody able to point me in the right direction here please?

 

I am a bit lost as to how to work out what I may be able to claim, if anything?

 

Thank you very much.

[Jan4a]

Have a look at a Barclaycard thread by Emmtay - PF explains how to work it out. People usually ask him what the end date is, it is the date you make the claim/send the letter.

 

I'm in some boat as you as regards statements. Haven't decided what to do yet, am thinking about working out last 6 years and then averaging the rest out. Haven't got anyone elses opinion on that yet though. might be a non-starter!

[Scoggs15]

Hi

 

Thanks for that - I am a bit the same - I have 9 years of credit card statements to work through, so once I know what/how to do it, I will start.

 

I am having fun and games with the bank as rather kindly they keep asking for my husbands signature also on letters as it is/was a joint bank account. Only problem being, my husband died last year in combat and they dont seem to have got the message yet!!!

 

Hey ho...

[Jan4a]

How stupid and thoughtless of them. Make sure you tell Ombudsman if you end up going that route as people are saying you can ask for compensation as well now and if that isn't a good reason for compensation for stress caused I don't know what is. make them pay - its the only way they'll learn the lesson.

[Scoggs15]

Hi All

 

I sent the second letter to Lloyds two weeks ago, over the outstanding credit card statements I have requested. I know it has been received but not heard anything.

 

Any advice on what steps I should take next?

 

Do I make a complaint or write again?

 

Thanks very much.

[Jan4a]

Have you complained to Information Commissioner yet? You can do although its quite a wait for a reply.

 

Have a search for a thread by Brocolli_Greens. I noticed people were advising her on same thing yesterday. Just stick Brocolli in the search box above and look for Barclaycard thread. Sorry, I don't know how to do links!

 

someone put some good links for letters on her thread.

 

Jan

[Scoggs15]

Thanks Jan - to be honest I am at a bit of standstill... I have got a lot of info from them, but missing 4 years, sent a second letter two weeks ago, got nothing back.

 

I guess the next step is the Information Commissioner.

 

I am going to start work on the years info that I do have, have you got any pointers? Do I just total up the entire years worth of PPI?

 

Sorry for all the questions, this is a whole new ball game for me, all this sort of stuff my husband used to deal with.....

 

Hey ho..

 

Thanks

Liz

[Jan4a]

Hi Scoggs

 

You are doing better than me! I haven't even got around to sending them a letter chasing the stuff left out on my SAR yet. Keep meaning to get around to it. I can't decide whether to do that (Information Commissioner takes months) or whether to work out averages from what I've got and bang a claim in and then go straight to Ombudsman when they say No.

 

Anyway, I subscribed to a thread by Emmtay on Barclaycard PPI where PF explains how to work out credit card PPI. You have to add the interest as well as the amount paid. But have a look at the thread, he explains better. Just search Emmtay.

 

Oh and I've noticed a lot of people asking him what the end date is - it is the date of claim, or today's date - later the date the better cos you'll get more interest.

 

Good luck.

 

Jan

[Scoggs15]

Ah thats a good idea, to average it out. Will maybe try that approach. Rather funnily after the initial stuff they sent, I sent the second SAR on failure to comply and they rang to say they didnt have anybody who dealt with that. Until I gave them the name, address and reference of the original letter they sent back with the information..!

 

Will search for that thread, thanks for the pointers. Am I right in thinking there is a letter format somewhere to use when putting in the claim?

 

It's not easy is it?!!

 

Take care

[Jan4a]

No, they don't make it easy for us cos they don't want to pay us!

 

Ah thats a good idea, to average it out. Will maybe try that approach.

 

That approach is completely my idea and hasn't been tried before as far as I know. I've decided to go that route because my claim is with Barclaycard who are known for not supplying info. It is an attempt to cut out the wait for the Information Commissioner. I know Barclaycard will refuse, then I will go straight to Ombudsman (which also takes months!).

 

I'm not sure if your bank are as bad as Barclaycard or if you are better off waiting for info from them before claiming. It is up to you!

 

If I come across a good letter in the next few days I'll post it if someone hasn't already supplied one. I know AA had a good one. But you'll have plenty to keep you busy working out the statements .... I think it takes ages but isn't that difficult once you get your head down. That's why I've been putting it off, plus I've been dealing with a Northern Rock one which I've just won.

 

Jan

[Scoggs15]

Oh well done you!! thats good....

 

I have to admit that this massive pile of papers is sitting looking at me for a while now...

 

But determined to start at the weekend!

 

I might drop a letter to the Information Commissioner to cover all basis.

 

Thanks for the help... ! Hugely appreciated.