Yes Car Credit PPI REclaim *** Resolved***

[ukdarrenfan]

Any more thoughts?

[ukdarrenfan]

Well there has still been nothing in the post from DAF. It was a PO Box address and has not been signed for. I was going to send all the information again with the updated spreadsheet but mention that they have already had nearly 10 weeks. Should I allow them 14 days or do I have to allow them the whole 8 weeks again? I was going to send the information to the other address I have for them at Godwin Street this time.

[postggj]

MAY I ASK WHY YOU ARE SENDING DOCUMENTS ETC TO A PO BOX ADDRESS

 

YES CAR IS NOW BEING ADMINISTERED BY PROVIDENT FINANCIAL

 

Provident Financial

No. 1 Godwin Street

Bradford

BD1 2SU

[ukdarrenfan]

Because that was the address that I found on here ages ago when I first started all this.

[postggj]

What addres did you send the documents to and were they sent recorded delivery with a return address

[ukdarrenfan]

It was sent to PO Box 1135, Bradford BD1 9PY and included a return address. This was where I sent the SAR request to and that also didn't show as signed for but I received that in just over the required 40 days.

[ukdarrenfan]

This address was also on the letterhead of the SAR information when I received it.

[postggj]

I have dug up this number for you to call

 

0800 409 6654

 

Tell them it is to do with yes car credit and correspondents sent to PO Box 1135, Bradford BD1 9PY

 

Ask them the status of your claim and get back to me

[dx100uk]

thanks squaddie.

 

dx

[postggj]

No problems, they have messed him about enough, its our turn now

[ukdarrenfan]

Right. Spoke to a very bemused sounding lady who told me the address to write to was the PO box one. When I asked her was she based at Godwin Street she said yes. I told her I also had that address to send my information to so she went to speak to a team leader. When she came back she said that if I was to write to the address at Godwin Street they would only write back telling me the correct address, which was the PO box.

Angie

[ukdarrenfan]

It also makes it harder when claiming through the court as you can't use a PO box address can you?

[postggj]

I need you to call them back

 

ask them for a telephone contact number for the po box address

 

tell them you will serve legal papers on the head office if they stall as you cant serve papers on a po box address

 

let me know what they say

[ukdarrenfan]

She said they don't have any telephone details at all, only the address. I've googled provident and I know others have sent SAR requests to Godwin Street and got things back.

[postggj]

LETTER BEFORE ACTION

Section 7 – Data Protection Act 1998

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject access request dated (Insert Date).

 

If you do not comply within the next 7 days I shall seek a Court order obliging you to do so together with damages at the discretion of the Court and without any further notice.

 

 

Yours faithfully

 

 

 

 

 

[name]

 

SEND A COPY TO BOTH ADDRESS BY RECORDED DELIVERY

[ukdarrenfan]

Sorry I already have my SAR info. It was my claim that I sent off. It was sent on February 4th so they've had 10 weeks now to reply. Should I send something to both those addresses now or just Godwin Street as others have? How long should I give them? I thought 14 days would be more than enough?

[postggj]

i am getting confused, please stay with me

 

your claim was sent off ten weeks ago, if that is the case, you need to send a 14 day letter before action

 

if no response, put it before the court

 

 

have you a statement of means and price in your SAR

 

any underwriting sheets, broker details

 

what is the date of the agreement

 

sorry for the 20 questions

[ukdarrenfan]

Info is attached on page 1 of this thread and includes the agreement and commissions sheet. There are no broker details or underwriting sheets from what I remember. What is a statement of means and price? I just googled the directions for the PO box address to Godwin Street and they are only a mile apart. Probably a way of keeping the YCC stuff separate and someone from Godwin Street picks it up!

[postggj]

Statement of means is a document that you sign with the agent who sold you the ppi crap, IT LOOKS AT SUITABILITY FOR THE PPI, SELF EMPLOYED, PRE EXISTING MEDICAL CONDITIONS ETC

 

statement of price will be what the insurance crap is costing you over the term of the loan

 

i will have a nose at the begining

 

keep your computer active as every so often tonight i will ask questions

 

i will draft you a suitable response to send them as well

[ukdarrenfan]

Thanks squaddie. I'll be around for most of the evening, just out for a while between 7.45 and 9.15 but I'll keep checking this thread when I am around. I have the full SAR with many pages on my computer (I'm on the iPad right now) but posted the stuff that looked more important. It all came on cd.

[postggj]

Well you have won this for a start

 

I have looked at the commission sheet they supplied, very naughty, they keep them in fort knox rather than let you set eyes on them

 

You are entitled to all that PPI crap back, no need to fight as they have no defence

 

Unlawful commission payments

 

wilson v hurstanger

 

Game over

 

GIVE ME A FEW DAYS AND I WILL DRAFT A RESPONSE FOR YOU

[ukdarrenfan]

I definitely didn't have a statement of means. This was my husbands car so is in his name. It only has where he worked, nothing else. They told us we had to have it or no car, so I don't suppose they really cared about that.

[postggj]

No need for any documents except that commission sheet

 

That is the golden goose, do not let it out of your sight, do not send it back to provident if they ask for it

 

I have only ever seen three of those documents in many years, the other two commission sheets were with welcome finance

[ukdarrenfan]

Thank you. I'm actually surprised they sent the commissions sheet. They took the deposit from the insurance too. Do they make you sign a confidentiality clause if you win, I haven't seen many people posting that they've won against them in court? I won a case a couple of years ago against a computer company and when I settled out of court I had to sign one.

[ukdarrenfan]

I actually at one point had dismissed it as not being that important! Who would have thought!