Claiming on my PPI for a loan feel duped please help

[alanalana]

hello sox,

 

I posted this in your thread post 17

 

Data Protection Act 1998 - Subject Access Request

 

fill in and send to Norwich Union and also read this from an earlier post to you from me.

Hello Sox,

 

Do you have a copy of the Consumer Credit Agreement for the loan and the terms and conditions that should have been with it at the point of sale.

 

If you do not have a copy you will need to send a Subject Access Request to get one...template letter here....

 

Data Protection Act 1998 - Subject Access Request

 

You have to send the statutory fee of £10.00.

 

You should ask for:

 

A true copy of your Consumer Credit Agreement together with the terms and conditions that were applicable at the time your loan started.

 

Copies of all statements that are applicable to your account.

 

A copy of the needs and wants/customer duty of care questionnaire which should have been filled in by the NU staff at the point of sale. (this questionnaire is aimed at the staff asking all of relevant questions to ensure the PPI is suitable for you.

 

Request all other data, letters, emails, faxes, tape recordings or transcripts of tape recordings (including the most recent calls mentioned in your posts make a note of the date and time of the call so you can jog their memory about what was said during the call/s) you can ask for all data in whatever format they hold it on paper, electronic, CD, microfiche etc.

 

You will need to gather as much information as possible. Once you have it you can then start a claim for mis-sold PPI.

 

Have a look at this for information on mis-selling.

 

PPI - Some Notes for Claimants..

 

For claims before 2005 and the FSA ruling from which campaign

How to tell if you’ve been mis-sold PPI

 

Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI

 

Another Useful article on Single Premium PPI and why the FSA say it was unfair.

http://www.moneymadeclear.fsa.go v.uk...insurance.html

Payment protection insurance (PPI) – Refunds of single premiums : FSA Money made clear – Unfair contracts

 

THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE FOS

loan payment protection insurance and a quote from this link...

 

Quote:

When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.

Deal only by letter that way there can be no denials on what has been said on the phone.

 

Keep copies of all correspondence.

 

I will ask for further advice on Cunningham Lindsey uk and get back to you.

 

You have the information now you must get busy.

 

 

aa

[joneseyblod]

Any update on this?