Help getting started with PPI request from Firstplus Please !!!

[IsisCharge]

With all the information available on the web, im am getting all confused and would love some advice on how I should get started for a reclaim of PPI for a Firstplus loan i took out in 2006.

 

I initially took out a loan with Firstplus in April 2005. This loan was then superceded by them in Oct 2006 where i paid off the outstanding balance and took out a new loan with them. I paid the loan off in full 10 months later. Both loans to my knowledge had PPP against them. I dont have my paperwork anymore, so i called Firstplus yesterday and asked for a copy of my agreements. They have sent me the agreement for the second loan, but not the first.

 

Details were

Loan £30,000 PPP £5979 Total £35979

180 Repayments 7.2% Interest.

 

I dont know what the original loan details were for, or how much I had to payback when i paid the original loan off. Also, for the 2nd loan which i paid off in 10 months, i dont know what the redemption figure was there either.

 

My question is, how should i proceed to look into this further. Should i go back to firstplus and request for more information on the payments and how much i paid before proceeding further, or should i go in a bit more hardball and ask for an SAR. Or do I go right in at the deep end and put in a complaint letter asking for a PPI refund ?

 

Any help would be much appreciated, a know this might be a long battle, so i want to get off on the right foot.

Many Thanks

[dx100uk]

get an sar done

 

your reclaim will be alot more if you can get datails on the financed one

 

thats prob why they are being obstuctive

 

they know rolled over PPI + PPI int in the first loan

would have extra PPI + int again added in the 2nd one!!

 

normally adds good few +£100's to any reclaim.

 

dx

[IsisCharge]

Hi there. Me again.

I have sent off my SAR request on the 16th May 2012.

However, to date i have received nothing.

I was under the impression that companies had 40 days to respond.

That took them upto the 25th June 2012.

 

I wrote a letter mid June to confirm that they had received my initial request,

and after 2 weeks they responded by saying that they received my letter on the 31st May 2012 (15 days after i posted it), and i should a response in due course.

 

To my reckoning 40 days from the 31st May is tomorrow (10th July).

 

If i receive nothing by tomorrow, what cause of action should I take ?

 

Are there any penalties for first plus (or any other company) for breaking this 40 day rule ?

 

Does it make any difference how long it takes them to respond ?

 

Any help would be appreciated, I still no know if I have a case as yet, and am trying to get all the information to hand to decide about what to do next.

 

If Firstplus are going to be difficult about even sending me basic information, i feel i am in for a bumpy ride.

 

Many thanks again

[ims21]

Send the failed SAR letter from the CAG library, top left on green.

 

Report the failure to the ICO and you can also consider taking legal action to force compliance.

 

Has your payment been cashed?