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stupidly took out 2 loans with b.h. and had ppi on both i was never asked if i wanted them just told were to sign,as it was done over the phone then the papers sent to me,i think ill be paying it forever,only 1k and 1.5k,but still owe them a lot and ive payed a lot,i have a pre existing medical condition this was never discussed,mind you nothing was regarding the ppi,can i reclaim this?i read the post above and think i might have a chance any thoughts?

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stupidly took out 2 loans with b.h. and had ppi on both i was never asked if i wanted them just told were to sign,as it was done over the phone then the papers sent to me,i think ill be paying it forever,only 1k and 1.5k,but still owe them a lot and ive payed a lot,i have a pre existing medical condition this was never discussed,mind you nothing was regarding the ppi,can i reclaim this?i read the post above and think i might have a chance any thoughts?

 

Hello,

 

I would send your SAR to them regarding the loans, do not mention anything in your letter regarding your intentions.

 

Ask you all info including telephone recordings on the conversations. Give them your telephone and the dates the loan started. and let them to the rest. They will probably tell you that they can't find them, but insist.

 

I insisted for about three letters threatening that they were not complying, breach of data act etc etc. and low and behold they found them and they then had to admit the mis-selling.

 

They won't be running to help you so you must keep on at them.

 

Good luck

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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sorry to ask again ,but does anyone know about what SAR letter to send?

 

I sent this one

Your address

 

Their Address

 

Date

DATA PROTECTION ACT 1998

SUBJECT ACCESS REQUEST

 

Dear Sir/Madam

Your Name

 

Acount no

 

 

I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts

Please supply me with a complete list of transaction and charges relating to my history with your organization, INCLUDING Loans and other products. Alternatively a complete set of statements for the accounts or associated accounts is acceptable. I would be grateful if you would provide the following for ALL accounts or associated accounts I have held with your organization:

-Full copies of all contracts which you believe exist or have existed between myself and your organization, including true copies of any documents you hold in support of the same.

- A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organization.

-Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

-Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.

- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.

-Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION.

I look forward to hearing from you in the first instance of receipt.

Yours faithfully

 

 

 

 

 

 

Your name

 

Copy and paste this and then add you own details Hope this helps:-D

 

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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thanks,thats excellent,oh did you win?

 

Yes with one in a fashion, now in dicussions regarding the refund payment:-D

 

With the other still waiting for their response:-D

Read my thread. You have to firm and not let them away with a thing:cool: .

 

Good luck to you

 

Keep us posted

If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW

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