Hi ims, thanks for the reply I have used a spreadsheet that I had previously, however, doesn't look quite right, can't seem to find the CAG one? Thanks

About to submit my Bank of Scotland Loan PPI claim, what claim form do I submit? Thanks

25.11.2013: Subject Access Request sent by Recorded Delivery. 26.12.2013: Subject Access Request received, what a bundle, will take a bit of time to go through.

SAR sent today by Recorded Delivery. Will await their reply with bated breath.

I am about to send of my Subject Access Request to the Bank of Scotland, I have looked through the CAG Forum and there appears to be a few, have searched on-line and came across the following, Data Subject Access Request Dept, Lloyds Banking General Insurance, Tredegar Park, Newport, South Wales, NP10 8SB Has any body else used this address succesfully? Thanks

Looking to buy time until they respond, will be interesting if I can source my statements and compare with the banks,

Thanks for the reply ims, The loans were more than six years ago, I think I will send in a SAR and await their response, whilst I await a response I will search out my statements. Thanks again, much appreciated

Hi ims, You state that there is no time limit in PPI claims, however, I have read that you can only go back a set amount of years, what is the criteria? Will a SAR request be enough? I am going back to 1997 & 2001 for two loans that were taken out, will I have to look out the statements or will the original paperwork be enough? Apologies if this is a bit lengthy, any assistance will be greatly appreciated. Thanks

Hi, Thanks for the replies, I have the original paperwork that was drafted for the loans with the Insurance figure included, will I need the statements showing the payments on the loans? Thanks

Good Evening, I am not sure if I am posting on the correct thread I have come across paperwork for loans that I had with the Bank of Scotland in 1998 & 2000, it includes "Insurance Loan - Services being financed, Creditcare Insurance Premium (Cash Price) Does anyone have any experience of these? Thanks in advance,

Hi HB, Thanks for the response. The advisor said once my Company Sick Pay ran out I could claim on the Standard Life Plan, at the time I took out the plan my Company Sick Pay had a maximum of 6 weeks on full pay, the advisor recommended that to continue to meet my commitments that this plan would do this. Thanks

Hi, Took out a Standard Life Income Protection Plan in 1995, after reading some of the post's regarding these plans, now believe it was not required as I was entitled to Full Company Sick Pay. at the time it was sold the Financial Advisor informed me that I could use up my Company Sick Pay, then apply for the Income Protection when the Sick Pay ran out, can this be deemed as mis-selling Thanks in advance

FoS it is then. Cheers. 8-)

Just received a response to my letter asking for a full refund of premiums and interest from Capital One. "Following our investigation into your complaint, we are comfortable that the policy was sold appropriately. You clearly indicated that you wanted to purchase the policy, and from the information you gave us you were eligible to do so. We are confident that all appropriate documentation and information was disclosed to you during your application. Therefore, we have decided not to uphold your complaint, we understand that this may be disappointing for you. However, our investigation has shown that you were given enough information to make an informed choice of whether to purchase PPI; you were eligible for the product and chose to purchase the product. Financial regulations require me to advise you that this is my final response in relation to this matter. However, you still have the option to contact the Financial Ombudsman Service within six months from the date of this letter." Any assistance as to my next step would be greatly appreciated.

Hello Dusary Received the exact same letter earlier in the week, checked out a couple of threads for the next course of action, a few called the bank directly with some positive results, I went down this road and called Customer Relations in Dunfermline, they were very helpful with a lot of info. I was told that this letter was not a final decision and as I called they would send both claims back for re-evaluation!