Natwest persistantly obstructing me over suplying data concerning a PPI Reclaim

[rknight20772]

Hi

 

I have a credit card with Natwest that I have tried to claim PPI refund for. I took the card out in 1997. They have provided me a copy of the application form under a s78(1) which shows that the account included "credit card repayment protection"

 

I belive I cancelled the PPI in 2001.

 

Natwest have said that they have no record of me making any PPI payments and so have denied my clain. I have no evidence to say I did either, other than knowing I cancelled PPI on all accounts in 2001 when I was made redundant as I was a contractor and no-one paid out.

 

I SAR'd Natwest, who have sent me statements back til December 2005 (after 55 days). They have also sent me copies of some letters I have written to them, but by no means all. I asked to telephone transcripts, but they have said they wont send them unless I tell them the date and time I want the transcripts for.

 

Finally, they have sent me no data at all about the running of my account. I imagine Natwest (like Barclaycard) must have some sort of customer management system, that tells them how I run my account, credit limits, over limit dates and times etc. but they claim that they do not and they have sent me all the data they are required to. Even the notes on my account are simply typed up, but with no date/time attached to them.

 

I find it difficult to believe that Natwest holds so little data on me. Can anyone tell me if they have had more luck getting data out of Natwest or suggest what to do next?

 

My plan is to notify the Information comissioner of Natwest's refusal to provide information, but I dont want to do that if this REALLY is all there is.

 

I would like to complain to the FOS about the PPI, but I dont want them to be able to produce "evidence" that I cancelled the PPI the day after I got the credit card. Im fairly certain I didnt do that, as I was naieve back then and thought it was useful.

 

Any help would be appreciated.

[ims21]

Hi

 

Banks are being very difficult in that they say they won't provide information beyond six years although there are strong suspicions that they do hold it.

 

I'd send them the failed SAR letter from the CAG library.

 

There is an option to sue to force compliance if you feel that they have older data and want to push hard for it

 

The ICO is the other way to go

 

ims

[rknight20772]

In a long running saga with Natwest,

 

I applied for a PPI refund over a year ago.

 

I have the original application form that shows PPI was on the credit card application form.

 

Natwest wrote back to ask for statements to show it was paid.

 

I obviously don't have any (the card was opened in 2000).

 

I did an SAR to Natwest for all info, and they sent just copies of statements but took nearly 60 days to respond.

 

I went back to them, asking them to provide all information Id originally asked for.

 

They said they had, but later 'found' a few more statements, and sent me copies of a few letters and a typed dated document

with about 10 entries on it which had basic notes about my account.

 

I complained to ICO who have issued a letter saying the Natwest did not comply with my SAR and asking them to look at it again.

 

I want to write to Natwest again now,

asking again for ALL information about my account.

 

I particularly want a copy of the data they hold about me in the Customer Management System.

(Does anyone know what Natwest call this?)

 

A similar SAR to Barclaycard resulted in over 100 pages of detailed print out of their customer management system giving account status over the full term of the account.

 

Natwest in one of their letters claim they have a 'system' that tells them that I never had PPI insurance. I want details from this 'system' also.

 

They have contradicted themselves in some of their letters, saying either can I send evidence as they can find no details, to saying they have evidence that I never paid it, despite it being on the application form)

 

Finally, Natwest have now reduced my credit limit saying it received 'data'.

 

Are they required to give me this data, and can I also ask them to show how they calculated that I was now an increased risk?

 

Can anyone suggest what I should ask them for?

 

Thanks in advance

[dx100uk]

yep do so an include that ICO letter too

 

disgusting behaviour.

 

dx

[dx100uk]

two threads merged

title changed & linked to NW twitter feed.

 

lets shame them into action!

 

dx

[MSAR]

Did you always pay off your credit card when the statement came in? PPI gets charged at a fraction of a percentage on the outstanding amount (0.078%). If you always did this then you wouldn't have any PPI.

[dx100uk]

about 13p per £100 outstanding

 

dx

[rknight20772]

No. I always had a balance on it. The application form shows a balance transfer request on it so it would have had a balance on it from day 1.

[rknight20772]

Well, the saga continues. The Information Commissioner has ruled that Natwest hasnt complied with my subject access request (in November) and suggested to them that within 28 days they provide a full response. It is now 9th February and still nothing from them, despite many letters, phone calls and emails.

 

I am about to file a claim in the small claims court demanding that they perform a complete disclosure. I would like some advice on the terms Natwest uses if possible as well as information on what I can (and can not ask for)

 

I want a complete listing of information they hold about me in their customer management system. Does anyone know what Natwest calls it? So far, they have given me two pages of typed up notes with details of calls I have made but nothing else.

 

I also want the data they used to calculate my credit score when they reduced my credit limit. They claim that the formula they use is commercially sensitive and so is exempt for release (I am assuming that this is correct) but surely my personal data that they put into the formula isnt and should be released?

 

As I have mentioned previously, they claim to have a 'system' that indicates I have never had PPI on my account, yet I have the original application form that shows I did have PPI. Does anyone know the name of this system so I can request all details from it?

 

I know that simply asking for ALL data should be sufficient, but Natwest seem to be going out of their way to make sure I dont see this data (im not sure why and maybe im just being paranoid) so I want to be as specific as I can be so they dont later say 'well you didnt ask for that' when they bring out some other data that I have never seen.

 

Thanks in advance

 

Rich

[alanalana]

Hi Rich,

 

I never went to court but got a load of PPI refunds via the FOS. If NATWEST are playing the difficult "Not us" game send all the info you have all the paperwork, loan agreements, everything you have to the FOS. Please see here for more information...http://www.consumeractiongroup.co.uk/forum/showthread.php?135060-Mis-sold-PPI-Want-your-money-back-use-these-links-to-help

 

All the banks and I have claimed mis sold PPI from a few will try and fob you off, stall you, in the hope you will get fed up and give in. They will make life difficult, mis inform you, and generally give you misleading information.

 

It is important that you stay cool and fight back with tenacity. You must make them pay back the money they owe you from mis selling PPI.

 

Keep at them.

 

aa