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Bradford & Bingley morgage PPI claim***Success***


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I am self employed and for years had a mortgage and loans from Bradford & Bingley the amount was paid in full last year and i believe that i could have paid PPI. I called Bradford & Bingley on friday 12th March and been told that they will look into it and write to me. Any help and advice is welcome.

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Hi blueda

 

I would start off by sending them a DSAR (template in the library fee is £10) for all the data held.....you may have to make a separate request for a copy of the advance.Have you not retained any documents with regards to the mortgage ?

 

 

Regards

 

Andy

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We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

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Good luck with this blueda :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I have received a reply from Bradford & Bingley as follows

 

Thank you for your recent communication.

I am sorry that you are unhappy and would like you to know that your complaint is being investigated through our internal complaints procedure. A leaflet explaining how this works is enclosed for your information.

 

To enable us to fully understand and investigate your complaint, please can you complete and return the enclosed questionnaire within the next 14 days.

 

It would be helpful if you could complete this questionnaire for all PPI policies that you hold. If you are not able to answer all the questions, please complete as much as you can.

 

Please note that if you do not return this information, we will only be able to investigate your complaint using the information you have already supplied, as well as any information we hold on our records.

 

Our aim is to handle your complaint fairly and quickly in line with the financial conduct authority,s requirements. We are allowed up to eight weeks to investigate your complaint and issue our final Response and we will endeavour to do so within this time period.

Yours sincerely.

 

I have got forms to fill and return to B & B, should i send for the SAR now or wait till the outcome of their procedure ? All advice is welcome thanks.

Edited by blueda
Typing error
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IMHO get the sar running

 

And don't use their form at all

 

Its often contains loaded questions

 

Use the fos one but that's for later

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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Thanks dx I will get the SAR sent.

 

The forms do look like loaded questions such as are you employed, self employed, not working, retired.

 

What was your reason for borrowing the money/ etc.

 

Questions of information that they hold in file, so i will senf for the SAR.

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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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Thanks dx

 

I do not have a personal cheque book, can the SAR be paid by bacs payment or do i need to send a postal order ?, all advice welcome.

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you can yes use a PO but it costs a bit more than £10.

 

 

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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you can yes use a PO but it costs a bit more than £10.

 

 

dx

 

12.50% of the face value :)

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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I sent the subject access request.

 

 

I used to have Bradford & Bingley shares,

which were taken off the stock exchange when Bradford & Bingley were baled out by government

 

 

i wonder if those shares will at sometime re appear,

Has anyone any knowledge or advice on this ?.

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  • 1 month later...

I received a phone call from Bradford & Bingley yesterday and was asked questions and informed that the call is recorded,

 

 

I was told that i did pay PPI for some of the time and asked questions that might be designed to attempt them from not paying,

 

 

such as,

How long have you been self employed ? answer 41 years,

 

 

Did you have savings to cover you when you were signed off work ?, answer,

Why am i being asked this question ?

I have never been off work long term.

All advice welcome please.

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phone down

after stating writing ONLY

 

 

yes they are loaded questions to minimise or even wipe out any chance of a reclaim

 

 

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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I have received a letter today from Bradford & Bingley confirming that i did pay PPI and an offer of compensation which states the amount Plus gross interest at Court Rate of compensation up to july 2017

Less tax deducted from interest at 20%

Redress Offer.

I also have the contents of the Subject Access Request.

Many thanks to everyone who has helped here on CAG.

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time to do a spreadsheet and check them then

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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  • 2 weeks later...

I received this week the documents from the SAR, and the cheque from Bradford & Bingley the next day. Thank you to everyone who have contributed to this thread.

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Well done blueda

 

I will mark your thread to reflect the outcome.

 

Did they pay what you asked for ?

 

Regards

 

Andy

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

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