Problems with Halifax SAR & PPI

[FelixFelix]

Recently I came across some old account numbers and decided to check if any might have had PPI on them and if I might be able to claim anything on them prior to the deadline next year.

 

As I have no details other than the banks referance numbers I filled in the PPI Checker on the Halifax site where one of the account numbers was from.

 

I few days passed and I got a text this morning from Halifax saying "Felix, Thank you for your PPI Complaint, We'll communicate with you via SMS during the course of your complaint"

 

Now all I have done is check to see if I had PPI, I haven't made an actual complaint yet. Is this text just what they send out when they are checking if you even had PPI or does it look like they have found PPI on my old account and have auto opened a complaint?

 

Also I have heard that Banks may phone you up to ask you questions about your claim. I have Dyspraxia and would feel more comfortable being able to read questions carefully and think about my answers and put them in writing. Would I be within my rights to request any questions be put in writing?

[dx100uk]

sent them and sar

and never use their forms

only the FOS questionnaire!

[FelixFelix]

Thanks for your reply. I have only used this forum to check if PPI was on the account: https://www.halifax.co.uk/contactus/how-to-complain/ppi-info/ppi-check-form/

 

I also used a similer form for my old Egg CC and Loan on the citibank (canada sq) site. https://www.citibank.co.uk/personal/ppicheckerform-egg.do

 

Have I damaged my chances by using these online forms? I only wanted to check the status of the PPI not officially start my PPI complaint yet. I see that SARs should be free after the 25th of May so will send them out then.

 

I will take a look at the FOS Questionnaire, it actually says that the FOS shouldn't be used until you have exhausted the banks own process for complaining and have your final letter from the bank, please could you advise why I should not use the banks forms?

Edited May 17, 2018 by FelixFelix

[BankFodder]

No you haven't damage your chances and you are completely within your rights to refuse to speak to them on the telephone and to require that they deal with you in writing.

It would probably be a good idea if you send them a written letter claiming back the ppi so that they have got a paper trail and more importantly you have too

[FelixFelix]

Ok I will see if they get back to me regarding PPI checker results in the next week or so and then send a SAR to them all after the 25th and I can see the new process.

 

Once I have all the information I will see if I can find a letter template for complaining on here and go ahead with my complaint in writing.

[dx100uk]

use the FOS Questionaire

[FelixFelix]

use the FOS Questionaire

 

Do you mean that I should fill out the FOS Questionaire and send it directly to the bank in question rather than use their own forms etc?

[dx100uk]

always!

[FelixFelix]

Thanks dx100uk!

[FelixFelix]

I am in the process of preparing and sending out SAR's to 5 different banks who I believe miss sold me PPI. In some of the banks the complaints process is underway already but I just wanted the information they had to see for myself and to use if my complaint has to go to the FOS.

 

 

I have pretty much just used the template as is putting in my and the banks details and any account referance information I had or just "all accounts" and the dates I believe to be relevent i.e. 2000 - 2018 as I had no credit before that date. I also put in my previous address and my DOB. Other than that I have just used the template as provided, is this ok? The template is worded quite strongly which I feel a bit bad about but then the banks would have no hesitation at threatening us so perhaps I should feel ok about it.

 

 

Also there is the question of fees, the SAR itself is now free but the banks can issue charges if they decide your request is excessive. This worries me as I don't want to be hit with a bill I can't afford to pay. Is this likely and if so will they let me know before they carry out any data retrival I would have to pay for?

 

 

Any advice on these matters would be great.

[BankFodder]

Don't limit it. Leave it as wide open as possible. Use an account number in order to identify yourself but make it clear that you want all information they hold on you on any matter and in any form. If you think that the template is worded too strongly then amend it to suit your taste.

 

We have already suggested that if there is the slightest kind of delay or abuse of the new regime that you should be making an immediate complaint. If you don't like this then remove it. It's completely up to you.

 

You obviously haven't suffered sufficient abuse at the hands of the banks yet. Once you begin your PPI claims and push comes to shove, I expect you feel a bit differently. It is unlikely they will bill you – but are you saying that the possibility of it is going to prevent you from sending off an SAR? If the banks get wind of this kind of thing and they will soon start applying fees willy-nilly.

 

Your request may be excessive if it is repetitive. That seems to be about the only garden at the moment. So for instance, if you ask for all of your data and then in six months you asked for it again then I would have thought that repetitive request could be considered to be abusive. If you simply ask for the last six months since your previous request then that seems to me to be reasonable.

 

Yes of course they would let you know in advance.

[dx100uk]

Best idea is never to change anything

There is no actual need for any account numbers in reality

[FelixFelix]

Thank you both for your replies. I will take on board what you both have said and amend my SAR letters before posting them so that they are not limited in terms of time.

 

 

I don't have accounts numbers for all the banks as some of these accounts are old but will just put all accounts where this is the case.

 

 

Yes I think I am probably giving the banks too much credit or benefit of the doubt when I know they will most likely do what they can to refuse my claim. I do feel that the banks ruthlessly exploited me as a young person to such a degree I got in a terrible mess financially at a very young age. For this reason I couldn't bear to think about complaining about PPI for many years because it brought back such an awful time in my life. Anyway I am doing it now!

 

 

Thank you for the advice about charges and what they would class as repetitive. Hopefully I will not need to make a complaint about delays but if they do delay I will do so.

 

 

Thank you both again.

[dx100uk]

Dont ever use their forms or stupid resolver links

 

Always use the fos questionnaire available from the fca ppi website

Site is a worthy read too

[FelixFelix]

Last week I posted out a SAR (with previous addresses) to Halifax and I gave them an account / reference number which I believe was part of a hire purchase agreement dating from 2003.

 

Today I have received a letter from their archive team saying they cannot find anything in my name and asking for additional information. I called them to find out more details and they repeated the same information that essentially they have nothing on me at all.

 

I have already used the Halifax PPI checker and received text messages with a reference code for my PPI complaint.

 

I have had problems with this side of things also as they sent me a text 2 weeks ago asking me to hurry up and return the questionnaire to them however they had not sent me any acknowledgment letter or questionaire

 

. I called them then and they said they would post that out to me asap

. I still have not got that and called again today and they assure me this time that this is in the post to me now.

 

I just feel very much like I am being fobbed off and messed around by Halifax at the moment and also if the SAR team can find no details on me then it seems likely that I will get nowhere with my PPI complaint either.

 

Does anyone have any advise of where I can go now?

Could my banking details still be linked to the other banks Halifax used to be involved with?

 

Right now I feel like complaining to the FOS about how useless they are full stop.

 

Any PPI I might be due back from this is not that much but it does just annoy me at how useless they are being, Halifax and Capital one have so far been the worst!

 

I sent out all my SAR's last week so far I have two letters acknowledging the SAR in some way.

 

Will I receive an acknowledgment letter from all the banks I have sent SAR's to or is this not required?

 

Just I wouldn't want to get 40 days down the line and find out some were saying they never received the SAR at all!

[dx100uk]

4 threads merged for history

Please keep to one thread

[dx100uk]

They have 30 days to do 'something ' if they dont

Off to the ICO

 

Did you not read the DGPR SAR before you sent it?