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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Tesco Credit Card PPI / CHPP / CCP **WON UNDER PLEVIN**


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hi all.

From a recent discussion with my girlfriend, it emerged she has had multiple credit cards over the years some with PPI, some with Card Holder Protection and some she's unsure of.

I'm in the process of writing a SAR request for each of the companies.

 

My question relates to a Tesco Credit Card she held.

 

She's managed to dig out a couple of statements ranging from 2007 to 2013 (hopefully sar will give all transactions)

 

On each of the statements is a charge for Card Holder Protection Plan and they vary from £20 to £40.

Is this the same as PPI and a claim can be submitted?

 

There are also "over limit charges" on a couple of statements I have at hand.

 

I read somewhere (think on mse sorry) that Tesco claim its not and if it was it would be classed as CCP what ever that is?

 

Has anyone had any experience dealing with Tesco and returned positive results.

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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This has got better (I think)

we've managed to find statements going back to 2002 to 2013

- some years missing between 1 & 6 statements,

but can see closing balances noted on the following mths.

And they all have the CCP.

 

But as an other added bonus,

she's came across a yearly recurring 15 card protection with her own bank

- which states the different credit cards she's had in the past.

 

As we have the statements would we be able to claim that far back?

 

Ads.

 

Oh and Mortgage endowment policies

can any thing be done with these

(can you point me in right direction)

 

 

she's has mortgages with Pru, Bristol & West and more recently Abbey/Santander

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  • 3 weeks later...

If your girlfriend's cards included CPP then its too late to request a refund of card protection premiums from the provider CPP because the scheme closed about two years ago, but you might be able to get a refund from the actual seller of the policy e.g. the lender/bank.

 

This would be shown on the statements with an annual charge of around £40.

 

Although it sounds like she was paying PPI on a monthly basis so there's no time limitation and you've got plenty of evidence to proceed with a complaint.

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Nope not an annual charge. Various monthly charges ranging from ten's of pence to £30+ since 2002 to 2013.. we're missing 40 statements - hoping sar will contain them (though that was posted on 10/03 but has been lost - sent recorded)

Which is the spreadsheet to use to work out claim? Across the cards were different APR from 17% to 19%

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There are some useful spreadsheets in this forum. If you search for "Latest Spreadsheets and PPI charges Dec 2011", it should bring them up. You could probably submit a complaint now to get the ball rolling, while searching for extra statements and waiting for the SAR. The PPI claims handlers also make requests for historic transaction data as part of their investigations.

 

 

You asked about Endowment complaints. Common mis-selling points can include being a single applicant with no dependants, or the policy extends beyond normal retirement age and they did not check if you would still be able to afford it. There's lots of information on the forums and internet about this subject. Hope this helps

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I think I've done the right sheet.

 

Where I do not have a copy of the statement I have added a fee of £7.99 (an average is about £15).

There are also a few Over limit & Late Payment Fee's included in this.

 

In the pile of paperwork there are a couple of sheets (agreements?) that the cards would have came attached to,

For the card which ran in 2008 - 2009 the APR is 17.9%, the 2011 onwards is 19.9%.

 

I've also added on another sheet the Charge, Open Bal, Close Bal, Spend (inc charge & interest) interest & spend for that month.

Just a shame I have not got all the statements.

 

Is it the right spreadsheet I've used, as that really does seem like a nice little sum of funds.

 

CAG_TESCO_FosCISheet.xls

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you cant run the sheet till today

it must end on the date of the last PPI payment [claim to date]

 

you cant include penalty fees either

its for the OC to prove if they were/weren't caused by the PPI

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 4 weeks later...

Morning all,

 

Had a nice little package delivered yesterday containing the reply to the SAR for Tesco’s.

 

It contained a CD with one unrelated call (Tesco saving acc),

change of holder surname / address correspondence,

the statements dated from November 2003 to Feb 2014 then zero bal until closure,

Credit Agreement + T&C’s and an Account breakdown.

*Tesco Card Holder Protection Plan is referred to as PPI on the account breakdown

 

The breakdown states:

Acc Opened: 31/01/2000 | Acc Closed: 31/10/2014

PPI Enrolled Date: 31/01/2000 | PPI Cancelled Date: -blank-

Total PPI transactions: £2,079.08 | First PPI Premium Date: 31/01/2002

First PPI Premium Amount: £13.22

 

From all the statements I have from 2002 to 2013 I was only £1.75 on total charges

(plus £218 of over-limit & late fees).

 

Taking the APR as 19% (last 2 cards) and the start and end dates of 31/01/2002 to 31/10/2014, the compound interest is calculated at £6,032.07. Giving a total of £8,112.90 

 

I see from the Tesco site that they acknowledge the FOS PPI questionnaire, so I’ll make a start on that, but I’m unsure as to what to put for reasons for my claim.

 

My g/f is adamant that she wouldn’t have ticked the PPI bit,

as she knew(knows),

that her works package is healthy enough for sickness/redundancy cover,

plus none of here other credit cards have had this (from what statements I’ve seen so far).

 

There are no notes, or correspondence to check if the PPI was adequate

– it just says “We Strongly recommend you take out this cover”

 

The agreement also states under Right to cancel

“once signed, you have a short time to cancel.

Exact details of how and when will be sent to you”.

 

 

Again there is no documentation our phone calls from Tesco relating to the Cancellation Rights after the receipt by Tesco of the Agreement on 26/01/2000.

 

Also nowhere on the agreement or T&C’s does it mention Fees/Charges or their values.

 

Attached is a copy of agreement & its T&C’s.

 

Sorry - heres the combined file

TESCO cca.pdf

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  • 4 weeks later...

Hi,

I've received a letter back from Tesco today (dated 04/05/2017) rejecting our claim.

 

They have stated that my girlfriend had contacted them before, and they replied in July 2012 (yet there is no notice of this contained in the SAR information which was provided by Tesco)

 

The letter states:

You recently contacted us about the PPI which you believed had been added to your Tesco Bank Credit Card.

 

I have reviewed the information we hold relating to your Credit Card. I can confirm that your PPI has previously been investigated and we sent you our response detailing our investigation and findings 03/07/2012. A copy of the letter is enclosed ** We never have received anything from Tesco **

 

Our final decision letter confirmed that if you were unhappy with our response you could refer the matter to the FOS within 6mths of our letter. Unfortunately, due to the final outcome having been issued more than 6mths ago the FOS rights prescribed at that time are no longer available.

 

Thanks for taking time to contact us. I'm sorry I cannot help you further

As mentioned - we never received any letter stating a rejection, g/f does not remember contacting them & also nothing within the SAR request contained any responses or copy of the rejection letter.

 

I've rang FOS - but they have said as they have not stated to refer to FOS then they might not be able to anything.

 

Is all now lost?

 

As I've got hold of the SAR request & never received the said letter

- should i request Tesco to re-investigate / give me rights to refer to FOS?

 

Is there anything (law wise/investigations) that have changed since 2012 relating to re-open investigations?

 

Sorry if I sound desperate - but 2.5k is alot to pay out on something that was not required

(all other cards gf holds have never had ppi even the Natwest/RBS from 2000 to current)

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  • 4 weeks later...

I put it to Tesco to prove that contact was made as it was not contained within the SAR,

I also asked for them to RE-investigate,

based on all the info I have supplied them,

they just reiterated their last letter saying that time frame had passed.

 

I put it to the FOS whom have replied today stating they can't help with anything past the 6mths, they asked Tesco's if they could investigate but they haven't agreed to do so.

 

The FOS have said that they might be able to help under exceptional circumstances, and provide as to reasons why they weren't contacted.

 

What is classed as Exceptional circumstances?

GF was going through marriage breakup at the time,

but she still is adamant nothing was ever received from Tesco (plus it never appeared within the SAR request).

.

Also received a letter from Tesco Payment Protection Insurance,

in relation to "Your Credit Card Payment Protection Insurance Annual Review"

 

If it was the case that PPI was complained about then why would we receive a PPI Annual review - and this is the first one that has been received?

 

Would this would show that the PPI is still live and Tesco's have not acted upon the complaint.

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ask tescos to provide what evidence they have that proves she did raise the issue in 2012

 

 

I cant see why the gos didn't suggest this?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

Hi Ads_UK

 

Picked up on this one - new to the site and looking to help. Relates to the PPI element.

 

I have two different routes to advise, but first, your current situation.

 

Tesco's proof is the copy of that Final Response - they will have record it was delivered to that address. Proof of the claim being issued becomes irrelevant as, even if they had only written to your g/f outlining she had PPI and inviting her to claim (and she didn't) this would be enough to 3/6 year statute bar the claim as it is over 3 years since she 'knew or reasonably ought to know' she could have complained.

 

I know, its rubbish, but its what's happening, banks wrote to millions of ppl from 2012 onwards and their claims are slowly becoming obsolete by default.

 

Whilst I agree that you should ask them for further proof and pursue this line, from experience this has rarely been successful.

 

FOS will consider claims over 6 months since the final response in exceptional circumstances, what these are is not clear and I knew a girl who worked in the FOS team calling people about these decisions and she reckoned 99% were not considered exceptional.

It will be your word against Tesco. They have the letter and record it was sent.

 

You have two Alternative options open to you which are other potential places you can get your money back

 

1. Secret Commission claim / Plevin

 

This is not related to the first PPI claim, this is new and you should do this REGARDLESS!!!

 

Your claim fits as the account was open after 4/2008 so the CCA stuff related to this applies.

 

Issue a new complaint to Tesco about the fact that they were paid secret commissions on PPI and you were unaware of this and you want the money back (template somewhere probably)

 

They will reply with a holding letter until 29/8/17 when advice on this becomes live.

 

Then, if your premiums had commissions higher than 50% (which they likely will be) they will refund the difference plus contractual interest and 8% simple interest - simples!

 

Its a fraction of what your g/f is entitled to but better than a wet fish to the chops

 

NB. Make sure if they give you an acceptance form to sign that you get some advice first as this element should not stop you pursuing your current line with Tesco/FOS or option 2 (a well worded acceptance form can be the end!...Crafty beggars)

 

Option 2

 

Second time today - litigate. The final response and all that jazz becomes irrelevant, this is CCA, account was open and paid in the last 6 years so you can do it and use Plevin to boot (but far more effectively than the FCA guidance - this is the LAW! you may get 100% back just on Plevin)

 

You can do this:

 

Directly - if your are confident in your ability to do so

Solicitor - If you are not confident - it will cost you but advice is get a No Win No Fee specialist in PPI (Solicitor NOT CMC!) and it reduces the risk

 

You can win your case in court, on your own or supported, and its not big scary court, its small claims and most crumble and pay before a court appearance is needed.

 

This imho only is your most assured option to get your money back in full, with all the contractual interest and 8% simple interest on top (10 years = double the refund as a rule)

 

I hope that helps! Let me know how you get on and best of luck

 

Write a new complaint to Tesco

 

Banks sent our millions of these letters and if three years passes that's its, they will reject and FOS will not consider unless expcetional circumstances

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I was just typing out a response from FOS..

 

My G/F had a phone call last night from FOS, to tell her that they are going to look into this further based upon the extreme circumstances (going through divorce), and how Tesco have not handled the complaint correctly.

 

They stated that documents and recordings should have been sent along with the alleged PPI claim, but there more concerned as to why Tesco continued to charge PPI on the account after they alleged claim & response PLUS the fact Tesco PPI have sent through a PPI Renewal Review despite the account being closed in 2014 (based upon the details Tesco supplied see above charges sheet)

 

The letter they have sent through today seems to be the standard we are confirming we are looking into this for you... This gives me a little more hope.

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Jolly good - I hope the jurisdiction decision is quick and you get a positive/fair outcome from FOS - its what they are meant to be there for!

 

 

I would still recommend the Secret Commissions claim to Tesco as a back up, it wont affect your current claim/case to issue one and get it in the pipeline for 29/8/17 (you can also mention it to FOS who may put it in their Secret Commission outcome pipeline).

 

 

Final comment - it did not become standard to cancel a PPI policy if a claim was upheld or rejected for PPI until 2013/14 so Tesco continuing to charge isn't unusual. They just hoped you would forget about it again and continue to pay! Swine's

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I was under the impression, and I think we've had a win here on it

that they had to prove due diligence, ie look at credit files etc, to discover the correct address with regard to CCL letters and the 3yrs?

they cant blindly refuse because they sent it to another address without checking

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Agreed they can't and shouldn't. From experience, wins on this matter are the exception, not the norm (but doesn't mean you shouldn't try!). PBA is the prime example, statute barring being used willy nilly for the most ridiculous reasons and FOS are allowing it to stick.

 

 

Most banks will do the checks mentioned prior to sending the letter and retain the evidence should they be challenged. In this instance it appears they have record of a complaint being made which is slightly different as they would/should only respond to the complaint if they verified the customer name and address first.

 

 

The PO (is that the term?) has stated there are exceptional circumstances - it is unclear from the FOS comms mentioned if they have made a jurisdiction decision already and will consider the claim outside the 6 month referral period or are in the process of making that decision based on those circumstances.

 

 

If the former - great a win for the consumer and exception justly applied - if the latter then fingers crossed.

 

 

All that aside, if FOS will consider the PPI claim as an exception there is no guarantee it will be upheld, but most recent FOS data gives you an 86% chance it will!!! joint 7th highest bank for FOS PPI upholds so they are definitely getting a lot wrong still in 2017

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  • 3 months later...

FOS reply today saying they will not look into the complaint as Tesco has proven to them that all documentation was sent to prove the original PPI claim back in 2012 (which was rejected).

 

The only thing I can think of is that when the card was taken out it was a Tesco card supplied by RBS Group Ltd (prior to TESCO Went solo), my gf has a Natwest (RBS) account and has held credit cards all that did not have the PPI running.

 

I'm trying to find information about the Secret commissions claim - do you have any links that I could read up on the details & cost.

Or do you think that now FOS have said no it's a complete lost cause.

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plevin.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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sorry do you mean go back to the FOS and state that as TESCO's respons was 2012 - this was prior to the Susan Pelvin case and I request that my complaint be looked into as a result of this and as Tesco recieved commission whilst the card was issued and mainatined by RBS?

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or start a completely new plevin case claim

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 weeks later...

Cheers - email sent back to FOS stating that I acknowledged their reply but disagreed with them not looking into it as everything was dealt with in 2012, but Plevin came out in 2014 & FCA updated the guidelines in 2017.

 

We got an email back within today stating:

 

Thank you for your email dated 24 October 2017.

 

I have taken into consideration the additional information you have provided concerning the mis-sale of your policy and my decision into this has remained unchanged, and I feel that the complaint has been brought to us too late to review.

 

We will however be looking into the considerations you have raised concerning the impact of the Plevin Vs Paragon judgement on your compliant. Unfortunately, I am unable to confirm when we will be a in a position to provide you with more information on this, but we will endeavour to keep you updated and please feel free to contact me if you have any further questions in the meantime.

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  • 1 month later...

Received a letter Saturday (dated 28/11) from Tesco stating they are looking into our claim under Pelvin.

 

Today (dated 29/11) stating that my gf account fits the criteria and based upon the information they have the following has been awarded:

Premium £850

Interest £220

Refund of charges £12

Gross 8% £680

Less tax £120

Refund: £1642

 

The letter also said that it was based upon the information they had and was based on figures going back to January - but no year quoted....

 

I've rang them and they said they're unsure which year as that isn't written down,

told them I have statements going back to 2002

- oh it won't be that far back maybe only last 6yrs, we will redo calculations and be intouch'.

 

Don't understand how they haven't got the details

- an SAR was provided that had all statements and an account overview

which shows £2k of premiums & £300 of charges from Jan 2002 to 2014

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