Starting ppi reclaim

[STUARTPPI]

I am embarking on a journey to reclaim PPI (if it was ever mis-sold to me or my wife) would like to publish my experiences to help others from start to finish, and accept advice and experiences from others.

 

Myself and wife had heard all sorts of stories regarding PPI and initially thought we wouldn't have taken out any on past loans or credit cards as we are both self employed / Limited company and have been for years, however having discussed this subject one evening over a few lagers and a bottle of wine, I recalled buying a car from Fords of Windsford at the age of 25 (Now 41) and distinctly remember the salesman telling me that without the PPI I would not qualify for the finance, what a fool I was to listen to him. Anyway we started to have a think about what financial products we had taken out in the past and decided that we would look back to see if we had any PPI and would be eligible for any legitimate claim if we felt we may have been miss sold.

 

I thought the best course of action would be to issue SAR's to all the companies we remembered having financial products with, this may jog our memories as to our circumstances at the time.

 

Here is our list

WIFE ME

LLOYDSTSB - CAR LOAN 199? MBNA C/C 1995 -2003

LLOYDSTSB - C/C DATE ?? GE CAPITAL WOODCHESTER CAR FINANCE 1995 - 1999

BANK OF IRELAND - MORTGAGE 2000-2007 RBS C/C 1996-1999

CAR LOAN - SEARCHING FOR PAPERWORK

 

SARS sent 20th Jan 2013 see below for standard letter, which my help others.

 

NAME OF BANK

 

Date XX FEB 2013 RE: SUBJECT ACCESS REQUEST OUR REF XXXXXXXX

 

Dear Sir/Madam

 

Please send me ALL data that your company holds relating to my entire account history.

INCLUDING : Agreement number: XXXXXXXX 19xx TO 20xx

 

Previous address other than above, if there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. (My D.O.B. is XX/XX/19XX)

PREVIOUS IMPORTANT ADDRESS DO NOT SEND ANY

PREVIOUS IMPORTANT ADDRESS CORRESPONDANCE

PREVIOUS IMPORTANT ADDRESS THIS ADDRESS

Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account.

 

I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice.

 

All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days.

 

In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves.

 

It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal.

 

Whilst not exhaustive and for the avoidance of doubt I shall list what I require:

 

* Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same.

* Copies of all statements relating to the above accounts.

* Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.

* Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.

* Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

* Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.

* Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.

*Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party.

* Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

 

I enclose the statutory maximum fee of £10. Furthermore, if I discover that you have levied disproportionate penalties or charges which are invalid under the Unfair Terms in Consumer Contracts Regulations against me, then I shall be reclaiming them together with any interest charges which you have levied on them.

 

You have 40 days to comply with this request.

 

If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office / FSA which could result in a fine and prosecution.

 

 

 

Yours faithfully,

Stuart Tudor

 

Lets see what happens - watch this space.....................

[honeybee13]

Hello and welcome to CAG.

 

I'll move your thread to the PPI forum and leave a short term redirect here.

 

My best, HB

[dx100uk]

when you get the sar returns

start a new thread for each reclaim.

 

dx