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Hi,

I've just send my ppi claim letters of to capital one and mbna. I'm going to now write to them for my sar just to speed things up.

 

Just 2 questions will my sar contain a copy of my original application? Also do I address my request to the same address as my ppi claim?

 

Kind regards

Stuart

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UNLIKELY, There is no obligtion to supply agreements with a SAR. SAR goes to the data controller at head office address.


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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ideally you should have got hte SAR details FIRST!

 

trouble with sending speculative PPI letters

before you know what they owe

is they dont take you seriously as it appears you dont know what you are doing.

 

dx


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Request a copy of your original credit card agreement. How you were signed up for PPI may make it easy for you to claim back the money. Sometimes, the tick box is pre-signed, requires you to tick to opt out, has confusing wording, was pre-ticked for you. That will give you some ammunition.

 

Use the Data Protection Act to file a SAR to get a copy of all your statements. Then you can estimate how much money you are due back. It's not just the PPI payments themselves, but the compound interest, plus the interest on that money if it were placed in a savings account. Something like 10% of every unpaid balance for every month. There are spreadsheets here to help do these calculations.

 

Send a request to the bank for the refund. Remember to use always use recorded delivery with banks, as they could just pretend never to have received it. If they respond with a refusal, then you take your letter, their "final response" letter, the spreadsheets, and make a complaint with the Financial Ombudsman through some downloadable forms on their website. They might take 12 weeks to respond, but you will receive progress letters every six weeks.

 

The goal is keep the momentum up. There is always something else you can do.

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