ISME Shop Direct PPI - **£3K WON AFTER 18mts**

[hsbcfiddled]

My friend has had a catalogue with account cover plus on (PPI) for over 20years.

She has been in financial difficulty for three years and cant afford her catalogue payments.

 

It was only when I got involved that I found out about PPI.

She says she didn't want the cover but was pressured into taking it.

 

She was either unemployed or on part time work at the time.

 

I suppose that's how club books make their money from people who cant afford to pay outright.

 

Having used the compound interest calculator using just £1 @ 44.8% it comes out today at £ 4,412.89

 

Now she has been paying them for 22years so this is going to be a huge claim?

 

That makes me think it will be strongly contested.

 

your thoughts please.

[dx100uk]

aha sounds like kays lifestyle account

doing the same for a neighbour

 

her claim is almost £5k

 

since 1989!!

[hsbcfiddled]

ISME 44.8% interest that's massive

surely 22years at just a £1 is going to be tens of thousands?

[hsbcfiddled]

Ok had the SAR request back but only to 2007.Anyone had any SAR beyond six years?regards

[dx100uk]

yes

 

is the date also exactly 6yrs from the date of your request par chance?

 

dx

[hsbcfiddled]

It certainly looks that way yes!

[Hortz]

It's probably due to the fact that they don't hold records any further back than that.

 

Don't like to play the killjoy but I wouldn't get her hopes up. A catalogue company wouldn't have been regulated at the time hence no access to FOS. It's probably going to be difficult to prove her employment status from 25 years ago as well.

[dx100uk]

done twice now.

 

cant of been isme either

 

were not around 20yrs ago

 

dx

[hsbcfiddled]

It's probably due to the fact that they don't hold records any further back than that.

 

Don't like to play the killjoy but I wouldn't get her hopes up. A catalogue company wouldn't have been regulated at the time hence no access to FOS. It's probably going to be difficult to prove her employment status from 25 years ago as well.

 

You arent seriously suggesting they hold exactly 6 years data and no more?

[hsbcfiddled]

yes

 

is the date also exactly 6yrs from the date of your request par chance?

 

dx

 

Yes exactly to the date of receiving the SAR request.

 

What i have received is coded and as complicated as they could make it

 

What statements they have provided the print is so small micro film is bigger ..lol.

 

When you phone them before you speak to anyone you get a message informing you ALL calls are recorded...

 

.SO where are the copies of the voice comms or transcripts? No copy of original agreement.

 

Yet when I spoke with their PPI insurance team a month ago he could see the date the account was opened,

the date the PPI commenced, the amount of the first payment and the rate of interest?

[dx100uk]

they have got the info yes

 

sar is not limited to 6yrs

 

you should write back stating you consider the sar incomplete

you want ALL the data they hold, not JUST to the 6yrs barrier

 

whatever act or prevention of fraud stuff they are invoking is not an excuse for not supplying it

under an sar

[hsbcfiddled]

It's probably going to be difficult to prove her employment status from 25 years ago as well...................If they have no records its going to be more difficult for them to dispute too...works both ways!

Edited October 1, 2013 by hsbcfiddled
add text

[dx100uk]

exactly!!

 

its funny what info they came up with on one I did.

 

they stated they had evidence this person was in full time employment

so was not an unemployed single mum at the time.

 

funny how the first orders were all baby stuff!!

 

and the baby was born 3 weeks before

 

they coughed nicely

 

don't trust anything they say.

 

dx

[hsbcfiddled]

exactly!!

 

its funny what info they came up with on one I did.

 

they stated they had evidence this person was in full time employment

so was not an unemployed single mum at the time.

 

funny how the first orders were all baby stuff!!

 

and the baby was born 3 weeks before

 

they coughed nicely

 

don't trust anything they say.

 

dx

 

So did you get the full details including original agreement dx?

[hsbcfiddled]

If they have not got the details of payments back to the iriginal how can they fairly compensate you?What about the years of late payment fees, & charges applied to the account?

[dx100uk]

rarely do you get an agreement

they don't have any

 

you first order serves as your agreement to the agreement!

they used to send them out

2 in a tear-off page

you signed both

kept one

sent the other back

 

most people didn't bother

 

PENALTY fees are sadly only reclaimable outside of 6yrs

throught the courts

or

if you can prove that had the PPI not been there that month

the penalty would not have been necessary.

 

dx

[hsbcfiddled]

So if they dont have agreements what about account history?

[dx100uk]

that cut -off date is TOO near to exactly 6yrs from your request

 

you need to write back

and demand statements from BEFORE 6yrs

they obv have them.

 

the SAR is NOT limited to ONLY 6yrs

 

it is ALL data they hold on your on whatever system & at what ever age.

 

there is no 'get-out' for them under the fraud act to not supply the data if they have it.

 

dx

[hsbcfiddled]

that cut -off date is TOO near to exactly 6yrs from your request

 

you need to write back

and demand statements from BEFORE 6yrs

they obv have them.

 

the SAR is NOT limited to ONLY 6yrs

 

it is ALL data they hold on your on whatever system & at what ever age.

 

there is no 'get-out' for them under the fraud act to not supply the data if they have it.

 

dx

 

I have already drawn up a letter in the strongest terms informing that them that I believe this was a deliberate tactic and they have not complied with the SAR and that if they do not comply within the 40 day time limit I will inform the ICO. I asked for Data Proctection Officers name and evidence of any destruction. .

[dx100uk]

good move

 

cant harm anything.

 

you might find it useful to read the shelley Barclaycard thread

in the Barclaycard successes forum on this

 

dx

[hsbcfiddled]

update. They have refused to refund PPI even though my partner had part time job and her husband was self employed.The SAR was in small print and codes making all the more difficult to assess.Whats the next move please?

[dx100uk]

scan up the letter please

 

never give up on the first fob off letter.

 

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

************************* ************************* *******

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

************************* ************************* ***********

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice DD-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

dx

[hsbcfiddled]

Will do later.Oh and dont worry I dont give up ..I retreat going forwards!

[dx100uk]

follow the guide please

 

 

dx

[hsbcfiddled]

First some of the infosupplied re SAR:

 

Statements are in small print and only one year from date of SAR request even though account commenced in 1991.

 

Charges have been levied for

Account cover plus,

Account interest,

missed payment fee,

insufficient payment fee,

late payment fee,

debt collection letter,

debt collection telephone call fee,

 

 

and for just one year it totals £700 approx on an amount of £1000 balance in Sept 2012.

 

No copies of agreements,

or PPI agreements,

or account cover plus have been provided.