old ppi

[ang2123]

Hi all again; have just realised something about one of my creditors.

I took out a loan, with insurance over 8 years ago worth nearly 20k, was a bad time shortly after and was on the sick for months and then lost job, but stupidly never even thought to claim for insurance, just bundled up all loans and put them on payment schemes, is there any way to reclaim this back or is it too late??

 

 

[ims21]

Hi

 

There is no time limit on PPI claims.

 

Have you got all the statements and the agreement?

 

If not I'd suggest a SAR to the lender to get the information they hold on you. Cost is £10 and they will have 40 days to comply. Template for SAR is in the CAG library, the link to which is at the top of every CAG page in green.

 

Go to the fos website and download a consumer questionnaire ready for completion.

 

Who is the lender?

 

ims

[ang2123]

Hi again,

excuse me, but what does this mean exactly??

 

Send this request including the £10 fee to the address which your bank has registered with the Data Protection Commissioner as the address of the Data Controller:-

Information Commissioners - Data Protection Public Register

(new address: Information Commissioners - Data Protection Public Register)

I want to use the SAR template, how do i get the address to send it to?

I have 5 different creditors to search info on, and most are not the original credit cards

or loans and I've changed my address.

 

help!

[rebel11]

Hi ang2123

 

SAR request:- http://www.consumeractiongroup.co.uk/forum/content.php?417-A-Subject-Access-Request-for Amend it if you need to.

 

Always send the SAR to the Registered Office of the bank. Send it Recorded.

 

E.G. :- Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom

 

http://www.santander.co.uk/csgs/Satellite?canal=CABBEYCOM&cid=1210606980678&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2

 

Google the bank, add the words Registered Office. Please stick to this thread.

 

Hi again,

excuse me, but what does this mean exactly??

 

Send this request including the £10 fee to the address which your bank has registered with the Data Protection Commissioner as the address of the Data Controller:-

Information Commissioners - Data Protection Public Register

(new address: Information Commissioners - Data Protection Public Register)

I want to use the SAR template, how do i get the address to send it to?

I have 5 different creditors to search info on, and most are not the original credit cards

or loans and I've changed my address.

 

help!

[ang2123]

sorry, but do i search original bank or the bank debt has been passed on to, and do i send the letter to all 5 different banks, at a cost of 10pounds each time

[rebel11]

You send the SAR to whoever the account belongs to now.

 

If you've got five different creditors then 'yes' send five SAR's. If you've got two accounts with one creditor, send a single SAR. If DCA's are just collecting the debt, then send the SAR to the Creditor who holds the account.

[ang2123]

thanx sooo much, will do!