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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
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      This is good ethical practice.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Please help with Natwest PPI


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Hi

 

10 days ago I sent the standard letter to Natwest requesting full SAR, I have just received 6 years worth of statements in a half opened envelope with nothing else, the statements have account numbers for old loans but do not have the PPI separately from the loan repayment figure, therefore, making it difficult for me to work out how much PPI I actually paid, can anyone help me with the steps to take in order to find this out.

 

Thanks in advanced

 

Juanito

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Hi,

Did you specifically request on your SAR details of all loans and any PPI to be provided along with your statements ?. Even though you did not these should have been provided. A SAR is a request to them to supply all information in all formats that they have on your records.

 

You could send them a Failure to Comply Notice under the Data Protection Act, stating that they have failed to include all Information that you requested. I think it could just be that they are so use to now recieving SAR for 6 years worth of statements and are not fully reading SAR these days.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thanks Ian for the reply

 

I think I will just do that, anyone has the failure to comply notice or the link to get to it? thanks again

 

Try some of these..lol

 

You may have to change the slightly to suit your own needs.

 

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/6986-data-protection-act-non.html

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Thanks again Iam

 

All typed up and ready to be sent by registered post first thing tomorrow. Having gone through all the statements, I noticed that there is a loan I took out in July01 for £6000 and a PLP (I assume this to be personal loan protector) of £870, this loan I paid early in May03 and got a refund for the PLP of £123. I then took out another loan but this one has nothing indicating anything relating to loan protection, however, If my memory serves me right, I am sure there was also a protection with the later also as I vaguely remember them telling me that it would help my application if I had it, anyway, I intend to fight for this money as in the worse case scenario, I am looking at £747+interest. Will keep you posted. thanks Ian

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No Problem ,

Give me a shout when you recieve the info if you need any help.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi

 

once I receive the full info as requested on S.A.R and manage to work out how much I paid on useless PPI's, should I then be adding interest in which case I would be grateful to be informed the best way to do this, or should I simply claim the amount I paid without interest?

 

Thanks again

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Hi,

When you have the total amount that you paid out on the PPI I would add Interest at the contractual rate (The same Rate that they are charging you).

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi,

When you have the total amount that you paid out on the PPI I would add Interest at the contractual rate (The same Rate that they are charging you).

 

Ian

Thanks Ian

 

As usual, very helpful, even though the whole process seems very daunting, it is encouraging to have people like yourselves behind, Thanks very very much for watching the thread. :)

 

 

 

 

JJ

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Hi JJ,

The process can feel daunting at times, Believe me I have myself at times thought o' Sod it is this really worth the hassle..I have on a few occasions thought about throwing in the towel etc..But with Engouragement from others and the thought of these outfits getting one over on us..no chance..lol So I still continue to fight..lol

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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hi

 

I have just received acknowledgement of my S.A.R following my second letter which stated that they had failed to provide me with a full S.A.R as requested

 

(1st paragraph)

DATA PROTECTION ACT 1998

 

thank you for requesting copy of statements held by the bank.

any information that is required to ber provided to you under section 7 of the data protection act will be forwarded to you at the above address as soon as possible.

 

in the meantime we acknowledge receipt of the payment for £10.00 in respect of the fee.

 

(I have 2 questions on the above, the 1st one being that what I requested was a full S.A.R and not the bank statements as I already have those and what I really want is details of the loans with corresponding PPI's so I can claim these back, the 2nd is the part that states, will be forwarded to you as soon as possible, dont they have a maximum of 40 days to comply???)

 

the leter then continues-

 

with reference to your request concerning any MANUAL INTERVENTION to the administrative charges debited, these charges have been processed in accordance with the terms and conditions of our current agreement with you as a result of the activity on your account. In the event that you breach the terms and conditions, we will take the appropiate action, contacting customer when appropiate, or handling customer enquiries regarding their account status. When a customer has raised a concern in relation to this process, the decision will be communicated to the customer and where appropriate noted ont eh account.

If you have any queries relating this matter please do not hesitate to contact me at the telephone number shown above

 

( the contact name is Joyce E Tudor)(in all honesty the 2nd paragraph has kind of confused me a bit as on my original S.A.R, I requested confirmation of any manual interventions)

 

In view of all of the above, should I now be writting back to clarify this or just wait??

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It looks like one of the Template letters that they have sent you out. Which just confirms that they don't even bother reading the Contents of SAR these days.

 

I would write or Call them to clarify the information that you require.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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hi

 

I have just typed a letter basically asking for what I need, loan agreements, etc. I have also stated that in my previous letter, I already made clear the info that I need. As they have provided me with a fax No on the letter they sent me, I will use this to get the communication going quicker. I am wondering what steps to follow if they simply turn round and refuse to provided me with the loan details!!!:confused:

 

I supposed, I still got the details on the statements, the only prob as mentioned before is working out what was PPI as from 2003, the loan repayment figures just shows the total rather than the breakdown.

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I would submit a Failure to Comply notice under the data Protection Act, That may get the result that you want.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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I would submit a Failure to Comply notice under the data Protection Act, That may get the result that you want.

 

Ian

What an excellent idea, I sent the fax this morning stating in detail all the information I am after, which is really mainly the loan agreements with their corresponding PPI's, I will give them 'till the end of the 40 days from the day they received my original request, if they haven't comply then, I will issue the Data Protection Act Non-Compliance - Suggested Procedure: template 3.

 

thank you Ian

 

JJ

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Your very welcome..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi Ian

 

I still havent received the S.A.R but having gone through every single statement for the last 6 years, I believe I have had a total of 3 different loans , all with PPI's. With this in mind, do you think I should put all 3 in the same claim as opposed to 3 individual claims?? another question is, at what point do I add the 8% contratual rate?? do I, once, I got the amounts together, send the letter requesting the money back with the interest already added?

 

Sorry Ian to be asking so many questions, you seem so clued on

 

JJ

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Hi,

Are your PPI payments being taken seperate from your loan payments or do you just pay a single amount each month?.

 

To get an acurate amount to claim for each PPI and interest you will really need to know the exact amount charged for the PPI and the date that the protection was taken out. It would be easier to work out if you can get hold of copies of the original agreements.

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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Hi

 

I am hopping they will send me these as part of my S.A.R, I supposed there is nothing else I can do 'till I have this info, they still have about 10 days so I will keep crosing those numbers in the calendar and keep reading as much as I can so that I am ready to fight back. Cheers Ian

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No problem,

As the PPI claims are all sort of new, it is better to get all the relevant information before starting your claim. I know it is frustrating waiting for the info, but you will be in a far better position to fight..lol

 

I have had one ongoing since September so I know what Frustration is like, But I am holding on till I have all the Info etc then Hit them Hard..lol

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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You right Ian, they do say, everything comes to those who wait so I shall be patient.

By the way, impressive letter to the Chief Executive of Lloyds, I would certainly endeavour not to ever cross your path, I will much rather have you as an ally, :)

 

As usual, very grateful for all your advice

 

JJ

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lol JJ,

and I managed to refrain from using bad language..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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  • 2 weeks later...
No problem,

As the PPI claims are all sort of new, it is better to get all the relevant information before starting your claim. I know it is frustrating waiting for the info, but you will be in a far better position to fight..lol

 

I have had one ongoing since September so I know what Frustration is like, But I am holding on till I have all the Info etc then Hit them Hard..lol

 

Ian

Hi Ian

 

I've now got details of all PPI's, I have had 3 loans with Natwest from 2001-2005 all with PPI's totalling £3743.28, one of them taken in 2003 was for a loan of £7300 and the protector was £2730.68, I cant believe I paid for that as I was in a very stable job and had worked for the company for 7 years at the time of taking the loan. I am sure as many in this forum, was totally mislead and blackmailed into taking it in order to have the loan aproved.

Anyway, now that I have the figures, what is the best way of attacking this situation head on??

 

Thanks in advanced

 

Jose

£3,743.28

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This is the letter I intend to send, please let me know if you see anything of importance which I might have omitted or equally anything that I should be adding.

 

 

----------------------------------------------------------------

 

Complaints department

The Royal Bank of Scotland Group plc

Business House F, Level 2

RBS,Gogarburn, PO Box 1000

Edingurgh

EH12 1HQ

Re: account **********

 

COMPLAINT & Request for return of PPI Insurance & Interest.

 

Dear Sir or Madam,

 

On the 04 July 2001, I took a loan out for £6000 with its corresponding loan protector for £870, this was loan was paid early on the 19th May 03 with another loan I took for £7300, again with its corresponding loan protector of £2730.68. On the 21st Feb 2005, again I took a loan for £10000 and its corresponding loan protector which I then cancelled on the 5th December 2005 as I clearly never used the protection since I was in a perfectly stable job and in a permanent position for more than 7 years.

 

When I took out the loans, I was told that I would not have been given the loan if I did not take PPI. I have since been told that this is not true, and that you are not allowed to make PPI a condition of taking out the loan unless you include the costs of PPI in your quoted loan interest rate, which you did not do. I therefore consider that I have been miss-sold these expensive insurances, which I did not need and which I said that I did not really want.

 

I therefore request a full refund of these loan protector’s policies which were of not use to me. Please find below a breakdown of the total figure which I am claiming.

 

PPI for Loan taken out 4th July 2001 - £870 (paid early on 19th May) refund of PPI given - £123. CLAIMING= £747

PPI for Loan taken out 16th May 2003 - £2730.68. CLAIMING= £2730.68

PPI for loan taken out 21st Feb 2005 – £265.60 paid up to 05 Dec 05. CLAIMING= £265.60

 

TOTAL CLAIMING BEFORE INTEREST: £3743.28

 

I request a refund of the policies fees plus any interest paid on the fees.

 

I would appreciate a reply to this letter within fourteen days. If you reject this complaint, I would be grateful if you could explain whether you provide an internal appeals process. If you do not, please supply me with a final response letter, so that I can take up the matter with the Financial Ombudsman Service, and if need be make a claim via the small claims court to recover the PPI insurance fee + Interest + costs.

 

Yours faithfully,

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That looks ok, See how they respond to that and can take it from there..

 

Ian

Lloyds TSB -PPI - Full refund . 05/09/06 :D:p (As Seen on TV) :p

Halifax settled in Full.. :D 22/09/06

TSB First Claim SETTLED IN FULL 19/10/06 :D

Second Claim to Lloyds TSB - Settled in Full

Firstplus - early settlement interest charges - Challenged the use of the rule of 78 - SETTLED IN FULL 12/1/07

PPI - GE Money / Purpleloans / Firstplus - Now Settled after 1 year long hard fight.

 

 

 

If my post has helped you, please click the scales! :grin:

 

Anything said is my opinion and how I understand the law, always consult professional legal advice before taking something to court.

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