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Mrs Sam wrote to Next Directory earlier this year and enquired about the possibility that she had been charged PPI on her account. The account is now closed. She received a letter back from them in May which stated that no PPI had been charged to the account. Mrs Sam was going to let it go at that. I advised her to send a SAR and we would review what came back.

 

What did come back was pretty thin.A copy of a standard credit agreement, undated, unsigned and no mention of Mrs Sam anywhere to be seen and some basic statements from 2005 and 2006,without any evidence of what the charges related to.

 

There were also three documents of interest:

 

  1. A list of abbreviations used in the documents, which helpfully pointed out that Payment Protection was referred to as PPP.
  2. A 2-page "Miscellaneous Events" list which covers the period from 2004 to them receiving a SAR request earlier this year. One of the events clearly states them sending Mrs Sam a letter confirming no PPI had been charged to the account. There are a number of other events listed referring to PPP but, surprisingly the details of these events have been blanked out! I believe that "redaction" is the current vogue term.
  3. A single sheet "Statement of Account" which gives opening date of account (over 20 years ago); sales to date; payments to date and interest paid to date etc. The most interesting statistic on the page is PPP Charge to date: X. X is in excess of £500.00!

So what do I do now. I'm guessing Mrs Sam sends them a PPI Consumer Questionnaire and a letter claiming a total refund of the PPI. Can anyone please confirm if that is the right course of action? Also what does she claim? Is it X or is it X plus interest? In which case what figure should she apply for interest?

Any advice gratefully received.

Thanks.

Sam

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If you haven't got itemised breakdowns of the payments made then you can't do a spreadsheet for this.

 

You will need to put in the fos questionnaire and they will have to investigate.

 

You could also try a failed SAR letter detailing what information you feel is missing from their response.

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1. Single Premium PPI Q&A Read Here

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4. The CAG Interest Tutorial

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6. Staying Calm About Debt

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If you haven't got itemised breakdowns of the payments made then you can't do a spreadsheet for this.

 

You will need to put in the fos questionnaire and they will have to investigate.

 

You could also try a failed SAR letter detailing what information you feel is missing from their response.

 

I took next to the FOS a good few years ago the FOS gave up and accepted nexts position in hat they were not the insurers I have not seen any evidence of successful claims against next despite their ppi policy

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Did you not escalate it higher up within fos?

 

Next sold the product and/or applied to the account so it is they who are responsible.

If I have helped you please leave me a message by clicking my star

 

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here

 

How To Upload Documents To Cag

Instructions

 

I DON'T GIVE ADVICE BY PM BUT IF YOU SEND ME A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER HELP THERE

 

 

 

Private message facilities are offered for users to communicate issues that are perhaps inappropriate for posting on the main forum. Site rules explain this in more detail.

 

If you receive a private message which you consider abusive, derogatory or otherwise inappropriate, whether it be about yourself or other members, please report it using the "report" icon

 

If you are approached (or have been approached) by private message with an offer of help "Off Forum" or with a view to asking you to visit another website, please inform the site team via the report icon, especially if this results in a request for a fee. Remember, this is for your own protection

my views are my own and are given in good faith to try and help people. Please seek professional advice on your case if necessary

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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  • 2 weeks later...
Thanks guys. I think I will send them a FOS and ask them to refund the £500 plus interest and see what they come back with. I assume I can hit them with a failed SAR later if no joy?

 

I referred next to the FOS a few years ago they wrote back saying they had given up as next and the insurers had avoided any responsibility between them.

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