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PenaltiesGalore

Charges, PPI older than 6 years.

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Hello all,

 

Quick question I hope.

 

I have been offered a ppi refund but citi/opus have only offered me a refund going back 6 years (I have not started my claim for unfair charges yet!).

 

Has anyone had any luck getting information going back more than 6 years before I send a SAR?

 

Thank you.

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The time limit for reclaiming PPI is 6 years from the date that you knew it had been missold or you should reasonably have known.

Tell Citi/Opus that you are on to them.


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The time limit for reclaiming PPI is 6 years from the date that you knew it had been missold or you should reasonably have known.

Tell Citi/Opus that you are on to them.

Hello Bankfodder

Thank you for your quick reply.

They have stated that if I can provide them with older statements they will refund the rest, has anyone been able to get statements older than 6 years from them?

With the charges and ppi, I believe if they have paid or had to pay others through litigation more than 6 years, previous 'practice' or case law would apply, maybe others might have an opinion on this?

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you can but try

 

but now you've tipped them off that you want the PPI back

without doing the sar etc FIRSt

 

they'll quickly shred them.

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Best if you can get the paperwork. However, if they agree that there was PPI in place - and if you can identify which loan it was attached to - the start date or aprox start date of the loan - then I think that you have enough to force them to pay you.

 

You probably7 would have to start a court action but if they have already agreed the misselling, I can't imagine that they would want actually to go into court


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Hello again Bankfodder,

I have found most of the 2004-2005 and some of the 2006 statements. I am sure the missing months can be 'reconstructed' from the balances.

The unfair charges might be a bit difficult to fathom out though.

Thank you again

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Hello All,

 

I have now received the attached reply in response to my SAR request.

 

I originally thought I would send them a signed request to expedite the SAR request but considering I was "given" the card without having to sign a CCA I now feel that they might "lift" my signature.

 

My reaction at the moment is to send them a letter stating that they have been corresponding with me at the address stated for quite a few years so do not understand why they need my signature, as advised on some of the other threads on this forum.

 

Any comments or suggestions please?

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send the your sig

 

and inc a utils bill

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello All,

 

Just a quick update and a couple of quick questions I hope.

 

I sent off a letter with my signature and utility bill as suggested but I received a further letter yesterday pre-dated to when I sent the information but the envelope was date post marked later than my reply. Do I reply again?

 

Has anyone had any luck in getting any information/statements past the 6 years that Opus claim that they hold the records for? I am wondering if I am going to have to instigate court proceedings on this for the disclosure of the earlier statements from when my account was opened in 2003 . . . .

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IMHO they crossed

 

await

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello All,

 

Response to SAR received today.

 

They have only given the credit card statements to January 2006. There is no CCA, No 'reconstituted' agreement or any other agreement, they have given me the current terms and conditions. They have stated on the letter that the 'agreement' is enforceable!! I know I did not sign an agreement for the credit card, it was issued on the'back of a loan' I applied for.

 

There is also no letter stating the debt is now assigned to Opus!

 

I have seen on the other threads that Citi have provided statements going back to 2002, in order to 'prove' that they have records going back more than 6 years, do I need to provide case histories? Or is it up to them to prove they don't have it?

 

I will scan the important letters tomorrow and post them here.

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Anyone?

 

Should I sent a SAR to Citi?

Am I right in thinking citi do have statements going back more than 6 years?

I know the SAR says if the paperwork has been 'disposed' off then proof should be provided.

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they need to provide you with STRICT PROOF

 

in the form of signed certificates of destruction

for the data they claim they do not have

 

as for the agreements

ideally and you wee not told

you should have added a line to the sar

 

this is to include copies of any/all agreement i held with company or group of companies

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello Dx,

 

Thank you. Sorry bit lost with all this hence all the questions.

 

I will draft a letter with the items that are missing from the SAR and send to them. Can I post here so you can give it the once over please?

 

As regards the agreements I think there was a line in the SAR letter regarding the agreement but will double check.

 

There is a loan as well and my belief is all of the paperwork relating to that should have been provided with the SAR as the letter states all records relating to me?

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Or shall I just wait until after the 40 days and lodge a claim at court saying they have failed to comply fully with my SAR request?

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Unfortunately, I have now been dealing with Opus for over 6 months and seem to be getting nowhere fast.

 

Opus offered me the PPI premiums and Interest going back six years.

 

I provided Opus with statements going back to when the account was opened and

 

they claim that they have "recalculated" the figures and increased their offer by approximately £300.

 

According to the calculation sheets that I have used, I calculate that they owe me nearly double the amount of the figures that they have provided.

 

I have written to them 3 times asking for a breakdown of their calculation but they won't provide this to me.

 

I keep being told to write in and requesting what I have already requested before.

 

Unfortunately, Opus "Customer Services" won't put me directly through to the PPI Department.

 

I am now having a breakdown of my own and need some advice/help please.

 

Would someone be able to check the calculation sheet for me please?

 

 

I am now not even sure I am using the right calculation sheet.

Edited by PenaltiesGalore

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ofcourse attach it here

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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that's blank...

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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why I gave it to you

 

just attach you filled in sheet

just remove the pers info in the top 2 boxes


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello DX,

 

Now I am really confused . . . . I haven't been given a calculation sheet by you . . . .

 

I have attached the completed sheet

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well what I meant was from this site...

 

that's looks ok.

 

when did the card close

 

and is that 'their' interest rate you are using

 

that sheet you have there is for restitution interest up until the day

the claim is settled , typically through court.

 

if the card interest stopped being charged

 

that's the day your claim [ideally] should end

unless you are going through the court route.

 

you are entitled to 8% statint on the total from that sheet

from the day int stopped

till the day they settle

 

could this be the diff?

 

I think you might need to play with your spreadsheet.

 

when did interest stop, or the card close?

what int rate were THEY charging?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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