Help required - response from Nat West RE: PPI letter

[Mr Chip]

To give a little background:

 

My partner asked if I would help her reclaim mis-sold PPI. We have sent the SAR to Nat West and received a repsonse (see attached) in what I thought was good timing - ~3 weeks.

 

I understand the 2003 loans will be a bit different to the 2008 one but I would just like to know :

 

1. do we need to get all the old statements dating back to 2003 before we can move any further?

2. if so is this a usual stalling tactic from the bank?

3. do I just resend the SAR with the £10 again so we can get staements / agreements etc ?

 

 

Any help would be gratefully appreciated

[ims21]

"See attached"? - nothing attached.

 

You will only need the agreement and statements if you want to work out what you are due back so that you can check any offer that may be made.

[Mr Chip]

I made a school boy mistake and uploaded wrong file :S sorry !

Now ammended.

So if my partner was to proceed with claim she could work interest out on amounts given by Nat West if she thought they were correct ? Not what I'd want to do personally but up to her I suppose.

 

Thank you for the lightening response too !

[ims21]

Ah...looks like you mentioned PPI in your SAR so you may have given them a reason not to give you everything.

 

Send them a full SAR for everything they hold on you.

 

You can remind them that they have totally mis-interpreted what a SAR is and you are concerned that they have attempted to frustrate the process. In addition you could add that failure to comply a second time and within the 40 day timescale will result in a formal complaint to the ICO.

 

Don't forget to enclose the £10 and send by a trackable method too.

 

If your friend can get copies of the agreements and details of the payments made on the various accounts then then yes she can do the calculations. Information on how to do this (and spreadsheets) is detailed in the item at No.1 in my signature.

[Mr Chip]

As I expected - trying to stall for time !! They rob people and then do all they can to keep ahold of it. Disgusting.

 

I will no doubt be tasked with this now I'll get the details filled in and she can send it off again via Special Delivery with the £10 fee.

 

I have been having a read through that post too some fantastic and helpful info there so thanks again, much appreciated.