LTSB CC PPI reclaim - anyone type polish!!

[Vital Spark]

Particular thanks go to ims21 and dx100uk

[dx100uk]

ok so we now need to know the PENALTY charges on the credit card.

[Vital Spark]

Ok. Sorry, not very regular on here, am I? Health has not been good for sometime not: **** happens. Also discovered that my friend and neighbour concerned, is pregnant with their first baby and she's been hit a few times with this winter bug that is attacking folks.

 

I will be in touch with her about this soon. Is there a time limit for her reclaiming the payments which were transferred to the loan?

 

Got another friend in need of help but it seems much more complicated. well, to me. I think I'm going to get them to come on themselves.

 

It's Top shop store card, a car loan, a bank loan and something else but they don't have certain information. It's baffling me.

 

Do they just send basic SAR letters to all the companies or is it different to banks?

 

Sort of:

 

Dear ----------,

 

Please send me all details you hold regarding my history with your company.

 

I enclose the statutory £10.00 fee for disclosure of said information under the Freedom of Information Act.

 

Yours faithfully

 

--------

[Vital Spark]

Oh you cannot know how much I want to wear your heads..... They are so much more able than mine. Can I not borrow them just for a couple of weeks, please?

[ims21]

To get all of the data on each account you will need to SAR the lender.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page in green

[Vital Spark]

Cagmail sounds interesting. I don't understand it but given time, it will sink in.

[Vital Spark]

Okay. I have had a wee look via template. I think I should take this to the friend concerned, get them registered and take ti from there.

[Vital Spark]

Will the fact that they have changed address since the loans, cards etc were repaid, make a difference?

[ims21]

Will the fact that they have changed since the loans, cards etc were repaid, address make a difference?

 

In order that you can be properly identified, include any previous address information within your SAR letter, particularly the address you were at when the account was taken out.

[Vital Spark]

I'll also get my neighbour on to working out the excess on her loan from PPI payments etc. Should it be equivalent to the amount she reclaimed?

[ims21]

I'll also get my neighbour on to working out the excess on her loan from PPI payments etc. Should it be equivalent to the amount she reclaimed?

 

Sorry...don't follow you.

 

Can you explain please?

[Vital Spark]

After that, I am going to look into something for myself but need to be well again, with clear head.

 

Is it right that we can reclaim the charges for bank accounts, like Silver accounts etc for which we pay a monthly fee. I have one and it offers nothing I need or use.

[Vital Spark]

Aw sorry. Thinking through mince.

 

The friend with the few claims for store cards and loans etc, is different to the one you've been helping with throughout the thread.

 

The one throughout the thread, the Polish lassie, got all she reclaimed without quibble. Her CC balance was transferred to a laon but the amounts she had accrued through PPI payments were included in that balance. These have been reclaimed and repaid from her CC claim but she is virtually paying them again via the loan.

 

Does that make sense? Hope so....

 

I do continually warn you about my dyslexic problems because I know something can, to me, seem fully explained by me but the receiver can't understand a word. I don't mind being pulled up because I know I am ...well, let's say, a bit thick on financial matters.

[Vital Spark]

I emant, should the excess amount that was added to her loan when the balance was transferred to that loan, be equivalent in amount to what she got back from the bank for the credit card recalim.

[Vital Spark]

Got to go lie down. I'll check in again after hospital tomorrow. Thanks again.

[ims21]

If the loan to pay off the card was with another bank then they will not be responsible for the excess that needed to be be borrowed. If it was with the same bank then yes it should be raised with them.

[Vital Spark]

Thanks ims21 I'll let her know about the loan. Yes it was also with Lloyds TSB