Sorry for the cross post but some people might not have seen this and I'd like to know of any other experiences/advice if at all possible. Help needed! My mother sent a SAR to M&S last week for her chargecard (since closed). We amended the letter slightly and included a list of her previous addresses for the last 20 years (there's only been 3 of them) in order to expedite the process. M&S have today contacted my mother to say: "Unfortunately I am unable to comply with your request at this time as the address details that were provided differ from the details we hold on our systems". Given that the letter acknowledges a) that my mother had an account with them and b) includes the chargecard account number at the top of the letter, what should she do? My mother called M&S to enquire about this letter and the requirements. She received a call back from M&S saying that under Data Protection they only required 2 addresses and that including the 3rd address had confused them. All they wanted was the address where the account was opened and her current address. She now has to return the letter to M&S with her CURRENT address on and the 40 days will start from then. FYI - the current address they have asked for is the address to which the sent the letter asking for the current address... Go figure! Is this a case of M&S dragging their heels?

Help needed! My mother sent a SAR to M&S last week for her chargecard. We amended the letter slightly and included a list of her previous addresses for the last 20 years (there's only been 3 of them) in order to expedite the process. M&S have today contacted my mother to say: "Unfortunately I am unable to comply with your request at this time as the address details that were provided differ from the details we hold on our systems". Given that the letter acknowledges a) that my mother had an account with them and b) includes the chargecard account number at the top of the letter, what should she do? Any advice on the position taken by M&S would be grateful. UPDATE: My mother called M&S to enquire about this letter and the requirements. She received a call back from M&S saying that under Data Protection they only required 2 addresses and that including the 3rd address had confused them. All they wanted was the address where the account was opened and her current address. She now has to return the letter to M&S with her CURRENT address on and the 40 days will start from then. FYI - the current address they have asked for is the address to which the sent the letter asking for the current address... Go figure! Is this a case of M&S dragging their heels? (I'm going to cross post this in the M&S thread just in case it's missed).

Thanks for the advice dx100uk I'm going to cross-post this in the bankruptcy/Scotland threads in case it's been missed by anybody who might know more. I'm also going to get some infer from MSE and the users there. I'll let you know how I get on.

Hello everyone - I've had some really lovely advice from these boards over the years (both as a registered member and not) and I'm hoping I can get a little more. In early 2009 I declared myself bankrupt under the Low Income Low Asset scheme here in Scotland. I'd run up a host of bills and debts whilst I worked at two jobs and put myself through uni studying for a doctorate. Unfortunately, there was (and still is) very little funding available from public bodies for my area of knowledge. I'll be honest and say that I was fairly naive about finance and wasn't entirely sure how PPI worked. Anyhow, as I struggled with the debt, I entered into a debt management plan which went well until I fell ill and was diagnosed with a long-term medical condition (which wasn't helped by the stress of debt!) This meant that I would be unable to work for 2 years at minimum. I took the decision to file for bankruptcy. Last year, shortly after I went into hospital for the first set of operations, I was discharged from my bankruptcy and my trustee (the Accountant in Bankruptcy) was discharged from their duties a little later. I'm not going to be back to work until the middle of next year at the earliest due to complications, etc. but I've spent some time reading through various websites and it occurred to me that I had PPI on at least 3 loans that I used to fund my studies. These loans were part and parcel of the bankruptcy. So are my questions: 1) Is it worth me trying to reclaim the PPI? 2) What would happen to the money that is reclaimed? Would I receive it or would it be reclaimed and used by my creditors to pay themselves off? 3) If it turned out that over the course of the 10 years these loans/cards ran for the monies reclaimed from PPI would have prevented my bankruptcy, is it possible to delete the bankruptcy? (That question made sense in my head but I'm not sure it does now!) Any help would be appreciated. I know that this might not be the best place for it and if a Mod would like to move it (or duplicate it) into the Scotland or Bankruptcy fora then I understand. Thanks in advance.

@ims21 - Thanks v much for that. I have a quick followup (if you don't mind?!?) I've seen it posted/discussed that in cases such as an M&S charge card it's difficult to claim successfully. It's something to do with the fact that the charge cards were pre-FSA and aren't covered by certain banking regulations etc. Is this the case?

@ims21 - Thanks v much for that. I have a quick followup (if you don't mind?!?) I've seen it posted/discussed that in cases such as an M&S charge card it's difficult to claim successfully. It's something to do with the fact that the charge cards were pre-FSA and aren't covered by certain banking regulations etc. Is this the case?

Hello everyone! I've been a visitor to the site for quite sometime but it's only now that I've taken the plunge and registered. I would really appreciate some help regarding PPI - I've had a search on the forum and I'm just confused by the various experiences of the people here and different bits of advice. 1) My parents had credit cards which they paid off about 4 years ago. Unfortunately, they can't remember the account numbers and they don't have any statements or cheque stubs left (my father shreds anything and everything!) From what I've read on here, am I right to say that an SAR would obtain and provide this information? 2) How far back is it possible to claim? My mother had an M&S charge card which she knows that she had PPI on (it caused an argument at the time). She paid off the account and closed it about 2002. Is is still ok to claim or is it pushing the boundaries a bit too much? 3) I've read in a number of places that if you were employed as a civil servant (i.e.., armed forces, nurse, etc.) it wasn't necessary to have PPI as you would receive full pay. Is this correct? It would help to know as my mother was a nurse at the time of these cards and loans. 4) There were some comments on one forum (I think it might have been another one to this) that sometimes the PPI was 'hidden' or not explicitly stated on the credit card statements at the time. Is this the case? It might explain why my father is unsure about whether one of his cards had PPI or not. Any help would be great. My folks aren't sure what they should do and have considered using a claims company or their solicitor.