Subject Access Request for PPI

[hellhasnofury]

Please use the following link to the CAG library for the updated Subject Access Request.

HERE

Note: It is not a good idea to identify that you are seeking data on any PPI you might have had over the lifetime of a Credit Card or Loan.

Edited November 16, 2014 by citizenB
Updated with new information November 2014

[hellhasnofury]

Nice one HH.

 

This is one of the more confusing subjects, but with you on our side, at least we have a chance.

 

HHNF for site helper....NOW...

Heh Tony behave now,

 

I just choked and spluttered my tea all over the keyboard reading you comment. Thanks for the clicky thing. It is much appreciated.

[hellhasnofury]

Bumping this one up, I am going to ask the mods if this can be a sticky and then it won't get lost on the forum:lol:

[hellhasnofury]

PPI is normally arranged via separate organisations, does this letter go to the bank or the separate PPI organisation?

 

Whoever sold it to you:D They are the ones that they made the profit on it for their unjust enrichment. These policies were sold on a lets make commission or reach target basis, and millions of pound were made in profit for these companies and banks. Did I just say that pppfffttt:D

[hellhasnofury]

Hi,

 

I have submittes your S.A.R - (Subject Access Request) and the bank still has not got back to me. I sent the letter 16 days ago. What should i do? I have also noticed that although i cancelled my PPI 2 months ago, the bank is still charging me this protection cover.

 

Help me out please

 

Hello CB,

 

They have 40days to comply, so tick, tock. I would also write again to them and remind them that you cancelled the ppi two months ago and you wish written confirmation that they have done so:D Can you post your questions on your thread, so that we can see the whole picture on it please:D

[hellhasnofury]

Just wondering would this include recording of telephone calls, Egg are saying they cant find mine.

 

Hello Gibbyni,

 

The information they should provide is all information, this includes any recordings of telephone calls and transcripts of these calls.

 

If they do not have them, don't be discouraged, it may be more to your advantage, in that they have no proof:D

[hellhasnofury]

Hi Folks just thought I would update my last message with Halifax's answer to my letter post #24

What I need to know how is what di I do next ie I have tried to work out what they owe me and I dont understand the CAGs Spreadsheet for this. So any help would be apprieciated.

 

 

Dear Scouser9,

 

2nd December 2008

 

I refer to your recent complaint regarding the Payment Protection Insurance (PPI) on your Halifax loan.

 

First, on behalf of Halifax, please accept my sincere apologises that you have felt the need to complain. All such complaints are taken seriously indeed and to ensure I have understood and therefore addressed your complaint, I will now take the time to summarise your concerns.

 

 

You believe you were mis-sold insurance taken out with the above loan agreement for the following reasons:

• You were not told that the insurance was optional
  
• You were led to believe that your application for credit wouild be rejected if you did not take out the insurance.
  
• The policty exclusions were not explained to you either before or at the time you took out the insurance. You were therefore unable to make an informed decision as to whether this insurance was appropiate for you
  
• You now believe the insurance was unsuitable for you as you were self employed at the time you took out the policy and was not not made aware of the specific exclusions relating to unemployment cover.
  
• You request a refund of all premiums paid to the policy, plus any additional interest charged to you because of the PPI, You would aslo like to claim statutory compensation in view of the fact that you have been deprived of the use of this money.
  

As part of my investigation into the sale of your PPi, I have considered the information available to me.

 

Having do so, and in view of the fact that you are a valued customer, I have decided to pay you an amount which will put you back in the position you would have been in had you had not taken the insurance. This is done without admission of liability and in full settlement of your complaint about the PPI on your loan.

 

Where an account you hold with Halifax is in arrears it is our Policy to offset the amount of redress we are offering against any currently outstanding balamce. By taking this action wea are helping you to ensure that interest and / or charges in relation to your loan are reduced. Therefore, if you are in arrears, the redress will be used to reduce or clear the arrears and any surplus will then be paid to you.

 

It is anticipated this payment will be made within the next month. If at this time you hold an open account. If you do not hold an open account with Halifax or Bank Of Scotland the settlement will be paid to you by cheque.

 

I trust that this offer has addressed your complaint fully, however you can of course contact me directly on the telephone number at the top of this letter should you wish to discuss any aspect of my review further.

 

Yours sincerely

 

Claire Hardy

 

Customer Relations Manager

 

Tel 01244 - 695533

 

Where do I go from here guys and gals

 

thanks in advance

Mike

 

Hello Scouser,

 

Where is your thread relating to you claim for mis-selling please:-D

[hellhasnofury]

I dont have a thread and I have asked for one in my first post on here above I dont know how to start a thread and the link to start a thread on my end doesnt work

 

regards

mike

 

Hiya Mike,

 

Have you found the new thread link on the top left hand of the ppi forum. It looks like this.

 

If you still have problems let me know and I will start up a scouscer thread for you:grin:

[hellhasnofury]

Thanks Hellhasnofury, but i am still having trouble, I know what a new thread button looks like but it doesnt link me to a new start when pressed it keeps saying button no link available or I am not authorised ?????.

 

So yes please can you please start me a new thread with scouser9 versus PPI thread title

 

I thank you for your advice and help, I think i have posted three letters in this post can you move them to same thread thanks,

 

Then I can better track of the items

 

Happy Xmas

Regards

Mike

 

Hello Scouser,

 

Have put a thread up for you to use:grin:

 

Scousers9 ppi thread

 

Post away

[hellhasnofury]

To THE CONSUMER FORUM

I am grateful to the owners of this consumer forum ,who are doing a wonderful job in assisting us to fight the big greedy financial institutions and this site needs to be supported all the way from by all the members.

Hello MIFJ

 

Thank you for your kind comments, the ppi forum is made up of many fellow helpers, so if you can start a need thread, we will all see if we can be of some assistance to you:D