firstplus ppi refund?

[gabbyevs]

when i took my loan out with firstplus i had the terms which said i would get a full refund of ppi payments at the end of 60 months hadi not made a claim

 

ive just looked on their website which now says_

 

"You may be entitled to receive a refund that is equivalent to a percentage of your insurance premium."

 

have they changed their terms and not told me?

 

i cant find my original document but i know it was a full refund it stated

 

will they try and fob me off after 60 months with a percentage of it

[alanalana]

when i took my loan out with firstplus i had the terms which said i would get a full refund of ppi payments at the end of 60 months hadi not made a claim

 

ive just looked on their website which now says_

 

"You may be entitled to receive a refund that is equivalent to a percentage of your insurance premium."

 

have they changed their terms and not told me?

 

i cant find my original document but i know it was a full refund it stated

 

will they try and fob me off after 60 months with a percentage of it

 

 

Send them a Subject Access Request asking for all the data they hold on you including the documentation from your loan. The templates are here and the fee is a statutory £10.00 Postal order is best method of payment as you can track and see when it was presented for payment.

 

Full SAR for ppi

 

Data Protection Act 1998 - Subject Access Request

ask for this...

 

You can be specific with what data you request although the Subject Access Request is really asking for everything. The Statutory fee is £10.00 Postal Order is fine but keep the details of the number for future reference. The post office will be able to confirm when it was encashed (just call 01246 542091 they will even send written confirmation if you request it) Send all correspondence by at least recorded to be signed for so you can track delivery through Royal Mail

 

You should request the following documents:

 

A true copy of your Consumer Credit Agreement with the Terms and Conditions that were applicable at the time you took the loan/card/mortgage.

 

A ‘demands and needs’ questionnaire.

 

Copies of all statements applicable to the loan/card/mortgage.

 

Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.

 

Copies of all recorded telephone calls or transcripts of the recordings.

 

Copies of any notes made by bank/loan company staff in their dealings with you as a data subject.

 

Do not be fobbed off by them citing issues such as relevant filing systems.

 

If they have any records/data on you as a data subject and it is held under your name, address, post code, account number/s or any other system where the data is identifiable to you then it is a relevant filing system. Even if it is a specific serial number on microfiche records and the serial number is applicable to you.

 

Once you have the information put in a claim and then if no success complain to the Financial Ombudsman Service.

 

Also check out all of the links in the stickies at the top of the forum mounds of info to help you there.

 

aa

[gabbyevs]

is that to get it all back now though rather than at the end of 60 months?