ISME Shop Direct PPI - **£3K WON AFTER 18mts**

[dx100uk]

First some of the infosupplied re SAR:

 

Statements are in small print and only one year from date of SAR request even though account commenced in 1991.

 

Charges have been levied for

missed payment fee, X

insufficient payment fee, X

late payment fee, X

debt collection letter, X

debt collection telephone call fee, X

 

 

and for just one year it totals £700 approx on an amount of £1000 balance in Sept 2012.

 

No copies of agreements,

or PPI agreements,

or account cover plus have been provided.

 

 

you can only reclaim those marked

 

 

the ACP should be a sep claim from the penalties.

 

 

you need to write back using the failed SAR letter

and outline what you want that is missing.

 

 

dx

[hsbcfiddled]

Thank you DX.

I will make a start on that now.

regards

fiddled

[dx100uk]

**you can post up by this method immediately..you don't need 10 posts**

.

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

...

YOU DONT have to put a link to the attachment in the msg box..jut upload it ..job done

.

dx

[dx100uk]

http://freejpgtopdf.com/

 

at the bottom with the browse to box on the right

 

navigate to your .jpg file

convert it

 

copy the file here.

 

use the go advance / manage attachment box off our msg box to uploap

 

dx

[hsbcfiddled]

It either me or my PC but I cant download this and get it to work without unwanted extras and I wont have them,

 

so I will write up the main points;

 

I have detailed the sale of PPI as follows;

 

During October 1991 you were offered PPI known internally as Account Cover (AC) insurance, the first premium being applied on October 16th 1991.

 

During the sale of AC, you would have been given policy details, such as benefits, exclusions, the full cost of the policy and your cancellation rights.

 

After acceptance, policy documents would have been issued re- iterating all aspects of the policy, again including your policy rights.

 

During August 2003, you were offered and accepted an upgrade to your policy.

 

Your policy was now known as Account Cover Plus (ACP) insurance, with the first premium applied on August 26th 2003.

 

During the upgrade to ACP, you would have been given policy details, such as benefits, exclusions, the full cost of the policy and your cancellation rights.

 

After acceptance, policy documents would have been issued re- iterating all aspects of the policy, again including your policy rights.

 

Premiums have been applied to every statement, where there was an outstanding balance, until the policy was cancelled on August 22nd 2013.

 

After reviewing information held on our systems, I have made the decision not to uphold your complaint.

 

Policy documents would have been issued detailing all aspects of the policy, including cancellation rights.

Therefore for the reasons above no refund will be issued.

 

Final response blah blah.

 

your not happy with the Final response, refer to FOS , six months time limit.

 

However due to the rules and restrictions’ FOS are required to follow and as your policy was sold before November 2004,

it is our understanding that FOS may not be able to adjudicate on your complaint as we were not a member of a Dispute Resolution Service until this date.

 

Yours SincerelyJane ClarkCustomer Excellence - Aintree

Edited December 10, 2013 by hsbcfiddled
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[dx100uk]

http://www.consumeractiongroup.co.uk/forum/showthread.php?378821-LloydsTSB-Loan-PPi&p=4120422&highlight=PPI+success#post4120422

[hsbcfiddled]

Update....

 

 

After having first request for PPI

turned down in September 2013

then reporting ISME to ICO for not complying with data request (only 6 years supplied) and ISME feeling the wrath of ICO's tongue.

 

 

I tried once more for my friends PPI only to be refused yet again.

 

 

I had been told by Data controller that ISME hadnt got the agreement.

 

 

So i started ombudsman on the case.

 

 

Shortly after ISME asked us to fill in information forms to apply for PPI

to which I told them already done and not doing it again.

ISME said "we are looking into your claim and want to know some info"

I said "use whats on first application".

 

 

A week later request for PPI upheld and Cheque for £3K

 

 

18 months and two refusals later.

 

 

I must say ISME (shop direct) are THE WORST I HAVE EVER COME ACROSS FOR BEING OBSTRUCTIVE

AND FAILING TO COMPLY WITH DATA PROTECTION ACT.

 

 

And it feels bloody good to have beaten the b*******s.

Edited April 4, 2015 by hsbcfiddled
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[dx100uk]

yes shop direct are a hard hard nut

 

 

well done

[hsbcfiddled]

Thank you. She was desperate because they have been bombarding her by phone and statements keep showing almost £1k in debt and I had to be really stern with her not to pay, don't answer phone, but we got there in the end.

[citizenB]

Excellent news