Egg loan/card PPI claim - now Canada SQ Ops

[dunnie1]

Hi,

 

First time potential PPI claimant - Hopefully your into the whole brevity thing:

 

Used PPI checker with Canada Square, and confirmed two loans and one credit card with PPI - approx from 2000/2001. I don't have statements, loan agreements or any paperwork. I now know the account numbers however by using this online checker.

 

Drafted SAR addressed to data controller so I can assess whether it is mis-sold and if so, interest payments (reciprocal compound plus stat 8%?)

 

I was completely unaware (from memory) of having PPI, and certainly didn't know to claim when I lost my job soon after. All debts written off and sold to DCA - I understand this doesn't affect PPI claim (should I have one)

 

PPI is also not statute barred I assume.

 

Next steps:

1) raise speculative complaint whilst I await SAR return using online complaint form

2)receive SAR output, assess for mis-selling, independently calc amount, challenge above if applicable

3) Either complete FOS questionnaire or prep for SC court? (bit hazy on best approach here)

 

Welcome any advice - thanks in advance!

 

[dx100uk]

no just send them an sar.

THEN WHEN YOU HAVE THE INFO...

 

cards use the CISHEET with a claim to date when they stopped their int, then that whole figure goes into the statint sheet [to get the 8% you are entitled to until they settle] as a whole sum the day after

 

loans solely use the statint sheet detailing every PPI payment made and its date..till they settle.

 

each claim needs an FOS questionnaire and a brief covering letter.

 

 

 

[dunnie1]

Thank you DT100uk

[dx100uk]

post things up here 1st and well check them.

 

[dunnie1]

OK, thanks - I've used the standard SARs template, included the acct numbers, my name, current address and address history (only additions to letter) and plan to send to this address

 

Citigroup Centre 
33 Canada Square 
Canary Wharf 
London 
E14 5LB

Edited April 4, 2019 by dunnie1

[dx100uk]

have you moved since taking this out and CITI are not aware of the move?

 

dx

 

[dunnie1]

I had the loans\card back in 2000/2001 (ish), defaulted and have moved 5 or 6 times since yes. I initially supplied 3 prev addresses and Citi couldn't find any record of me, I then re-submitted an additional 2 previous addresses (5 in total) I found within my CRA file, and had success in finding the accounts mentioned above.

 

Thanks,

 

Dunnie1

[dx100uk]

so you are awaiting the data then?

 

 

[dunnie1]

yes, only sent SAR's today

[dx100uk]

you only need one sar

[dunnie1]

Yes, I did send one - should have said SAR

 

[dunnie1]

Regarding my proposal to raise a speculative complaint whilst I await SAR return using online complaint form

- I totally appreciate you can't trust these companies to provide accurate information and properly calculate interest etc,

it was more to find out whether they initially thought I had a claim,

and what amount they might offer

- and to then calculate it separately using the info from the SAR

- more out of interest to see how close they would be

- certainly not to replace the SAR/FOS q approach

- you think this would just muddy the waters as I have no information on which to base a PPI claim at the moment then?

 

Thank dx btw, for your prompt replies

[dx100uk]

you don't tip them off!!

[dunnie1]

fair enough  I shall follow the CAG way..

[dunnie1]

Hi, should I have received confirmation from Citgroup with respect to my SAR request? I've heard nothing thus far - Should I chase or wait the 40 days? I sent the request to this address.

 

Citigroup Centre 
33 Canada Square 
Canary Wharf 
London 
E14 5LB

[dx100uk]

its 30 days

[dunnie1]

Its 30 days from the date of the letter tomorrow, so I'll raise an ICO complaint and send it tomorrow, as per SAR guidance. Should I also chase this with Citigroup as well?

[dx100uk]

no harm in ringing them and asking.

 

dx

 

[dunnie1]

thought so, cheers dx

[dunnie1]

I've raised a complaint both with the ICO, Citigroup direct via customercareunit@citi.com and re-sent a SAR request to another address as advised by Citigroup, explaining their still in breach of the 30 day deadline regardless of the address I used (as the original was listed as the data commissioner address)

 

Citigroup
CS Operations

PO Box 4903 
Worthing

BN99 3AR

[dunnie1]

Thank you for submitting a complaint about the processing of your personal information.
 
The ICO’s role 
 
Part of our role is to consider complaints from individuals who believe there has been an infringement of the Data Protection law. 
 
We use complaints to build up a picture of an organisation’s information rights practices so that we can identify and target poor performing organisations. Details of the action we have taken is available on our website.
 
Your complaint
 
We have considered the issues that you have raised with us and have written to the Chief Executive, via the Data Protection Officer, to explain that we expect their organisation to work with you to resolve any outstanding matters. 
 
One of the ICO’s strategic goals is to increase the public’s trust and confidence in how personal data is used and made available. 
 
In this case, we expect the organisation to fully explain to you how they have complied with their obligations under the law as comprehensively as possible, including correcting any issues that they have identified or clarifying any areas of misunderstanding.  
 
I have attached a copy of the letter that we have issued to the Data Controller and expect they will be in contact with you in due course. 
 
 
Yours sincerely
 
Angela Payne
Case Officer (Mon, Tues, Weds & Thurs am)
Information Commissioner’s Office
0330 414 6515
casework@ico.org.uk

[dunnie1]

Received my SAR back finally, suddenly once I'd complained they were super quick - strange that. Had a look through and have:

 

Credit card 

1. credit agreements
2. statements for credit card (each mthly statement has credit card payment protector amount deducted - assuming this is ppi)
3. date ppi commenced (11/06/2002)
4. various system & database outputs detailing the account history, up to closure and movement to DCA

Loans (4, but 2 with ppi)

1. PPI hub report
   1. detailing interest accrued and maturity date (4 records)
   2. Which accounts had ppi, and date the were cancelled (not by me, probably by top up)
   3. loan balance when cancelled
2. loan agreements for each loan (2 with loan payment protection amounts on)
3. account info report, with princial amount, interest, PPI balance, PPI rebate, PPI type
4. Statements

I'll post specifics soon.

 

[dx100uk]

so as post 2 now then.

 

if one loan refinanced another, it will be ONE claim for all the loans in the chain

[dunnie1]

I'll get on it - its difficult to understand what's going on as the information is linked by internal reference\application number rather than my account number for the loans, but I'll see how I get on - thanks

[dunnie1]

I'm getting charged 1.093 a mth which is 13.11 (multipled by 12)

 

Date of Charge	Description						Amount of Charge	Number of Days Elapsed	Compound Interest
10/07/2002	Credit Card Payment Protection						£2.60	6166	£18.25
10/08/2002	Credit Card Payment Protection						£9.44	6135	£65.48
10/09/2002	Credit Card Payment Protection						£12.09	6104	£82.87
10/10/2002	Credit Card Payment Protection						£16.99	6074	£115.11
10/11/2002	Credit Card Payment Protection						£18.52	6043	£123.97
10/12/2002	Credit Card Payment Protection						£18.63	6013	£123.26
10/01/2003	Credit Card Payment Protection						£0.12	5982	£0.78
10/02/2003	Credit Card Payment Protection						£1.50	5951	£9.69
10/03/2003	Credit Card Payment Protection						£2.34	5923	£14.95
10/04/2003	Credit Card Payment Protection						£7.42	5892	£46.83
10/05/2003	Credit Card Payment Protection						£10.47	5862	£65.31
10/06/2003	Credit Card Payment Protection						£13.30	5831	£81.96
10/07/2003	Credit Card Payment Protection						£14.55	5801	£88.61
10/08/2003	Credit Card Payment Protection						£15.60	5770	£93.86
10/09/2003	Credit Card Payment Protection						£18.45	5739	£109.66
10/10/2003	Credit Card Payment Protection						£22.05	5709	£129.51
10/11/2003	Credit Card Payment Protection						£22.11	5678	£128.28
10/12/2003	Credit Card Payment Protection						£22.28	5648	£127.74
10/01/2004	Credit Card Payment Protection						£21.99	5617	£124.53
10/02/2004	Credit Card Payment Protection						£22.07	5586	£123.46
10/03/2004	Credit Card Payment Protection						£22.02	5557	£121.76
10/04/2004	Credit Card Payment Protection						£21.98	5526	£120.05
10/05/2004	Credit Card Payment Protection						£22.43	5496	£121.04
10/06/2004	Credit Card Payment Protection						£0.29	5465	£1.55
10/07/2004	Credit Card Payment Protection						£0.25	5435	£1.32
10/08/2004	Credit Card Payment Protection						£0.25	5404	£1.30
10/09/2004	Credit Card Payment Protection						£10.50	5373	£53.93
10/10/2004	Credit Card Payment Protection						£23.36	5343	£118.54
10/11/2004	Credit Card Payment Protection						£23.42	5312	£117.36
10/12/2004	Credit Card Payment Protection						£23.81	5282	£117.87
10/01/2005	Credit Card Payment Protection						£23.97	5251	£117.18
10/02/2005	Credit Card Payment Protection						£24.61	5220	£118.80
10/03/2005	Credit Card Payment Protection						£25.15	5192	£120.03

 

Inputted into CIsheet above, and taken compound interest figures and put into statintsheet, as below

 

Date of Charge	Description						Amount of Charge	Number of Days Elapsed	Interest at 8% Simple
10/07/2002	Credit Card Payment Protection						£18.25	6166	£24.76
10/08/2002	Credit Card Payment Protection						£65.48	6135	£88.38
10/09/2002	Credit Card Payment Protection						£82.87	6104	£111.28
10/10/2002	Credit Card Payment Protection						£115.11	6074	£153.81
10/11/2002	Credit Card Payment Protection						£123.97	6043	£164.82
10/12/2002	Credit Card Payment Protection						£123.26	6013	£163.06
10/01/2003	Credit Card Payment Protection						£0.78	5982	£1.03
10/02/2003	Credit Card Payment Protection						£9.69	5951	£12.68
10/03/2003	Credit Card Payment Protection						£14.95	5923	£19.48
10/04/2003	Credit Card Payment Protection						£46.83	5892	£60.71
10/05/2003	Credit Card Payment Protection						£65.31	5862	£84.23
10/06/2003	Credit Card Payment Protection						£81.96	5831	£105.14
10/07/2003	Credit Card Payment Protection						£88.61	5801	£113.09
10/08/2003	Credit Card Payment Protection						£93.86	5770	£119.14
10/09/2003	Credit Card Payment Protection						£109.66	5739	£138.45
10/10/2003	Credit Card Payment Protection						£129.51	5709	£162.66
10/11/2003	Credit Card Payment Protection						£128.28	5678	£160.24
10/12/2003	Credit Card Payment Protection						£127.74	5648	£158.72
10/01/2004	Credit Card Payment Protection						£124.53	5617	£153.89
10/02/2004	Credit Card Payment Protection						£123.46	5586	£151.72
10/03/2004	Credit Card Payment Protection						£121.76	5557	£148.86
10/04/2004	Credit Card Payment Protection						£120.05	5526	£145.94
10/05/2004	Credit Card Payment Protection						£121.04	5496	£146.36
10/06/2004	Credit Card Payment Protection						£1.55	5465	£1.86
10/07/2004	Credit Card Payment Protection						£1.32	5435	£1.57
10/08/2004	Credit Card Payment Protection						£1.30	5404	£1.55
10/09/2004	Credit Card Payment Protection						£53.93	5373	£63.75
10/10/2004	Credit Card Payment Protection						£118.54	5343	£139.34
10/11/2004	Credit Card Payment Protection						£117.36	5312	£137.15
10/12/2004	Credit Card Payment Protection						£117.87	5282	£136.97
10/01/2005	Credit Card Payment Protection						£117.18	5251	£135.37
10/02/2005	Credit Card Payment Protection						£118.80	5220	£136.43
10/03/2005	Credit Card Payment Protection						£120.03	5192	£137.10

 

I'm assuming I would be due compound interest and stat for the same duration

i.e. 10/07/2002 charge is £2.60, plus CI is £18.25, plus stat is £24.76 as both use elapsed days of 6166

 

Question on CISheet - what APR do I use?

 

Credit agreement states:

12.6% purchases

13.9% balance transfers

cash advance 16.3%

 

Highest/lowest/most used? (that would be purchases)