A question about : PPI Reclaiming Discussion part 4
Hi again folks 
I posted last week about progress on my claim - RBS had been in touch to ask for more information just as the 8 weeks was about to run out. I sent the information off to them on Thursday or Friday and was surprised to get their response this morning!
The letter basically pointed out that I had no case etc etc, which I was expecting; what I wasn't expecting was a 'goodwill gesture' of Ј750. So, do I take the safe money now OR press on with the next stage? I think i'm leaning towards the latter at the moment but wondered what you guys would make of it
Best answers:
- Hi again folks
I posted last week about progress on my claim - RBS had been in touch to ask for more information just as the 8 weeks was about to run out. I sent the information off to them on Thursday or Friday and was surprised to get their response this morning!
The letter basically pointed out that I had no case etc etc, which I was expecting; what I wasn't expecting was a 'goodwill gesture' of Ј750. So, do I take the safe money now OR press on with the next stage? I think i'm leaning towards the latter at the moment but wondered what you guys would make of it - Hi Everyone...
Not sure how I should tackle this one...
A few years ago both myself and wife took out a First Plus loan for around Ј25,000. Wish I hadn't now..
When we re-mortgaged back in the middle of 2005 we decided to clear the loan etc but had to pay back Ј37,500 ish due to early repayment etc. Payment protection was included as there was this idea that you could claim this back after 5 years.
Now I'm thinking I had to pay a huge amount back to settle the loan. I cant find the old paperwork, but I'm I able to claim anything back as it has been almost 4 years since we cleared the loan off. Also if I can how do I do this without any of the old paperwork ?
Thanks in advanced
SteveC - DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST
Date: xx:xx:xxxx
Dear Sir/Madam
Name xxxxxxxxxxxx
Account No'sXXXXXXXXXXXXXXXXXX
I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts
I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation: - Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.
- A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation.
- Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
- Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
- Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
- Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
- Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account.
- Marsh, are you intersted in taking legal action
- HI DI
Just a suggestion I wonder as your SAR is on page 1 (well incipience) you could edit the post you made and add the usual stuff e.g. send of money wait however many days. Post recorded. Letter should be responded to in 8 weeks etc and put it in BOLD so that when people ask this question all we have to do is to refer them back to PAGE 1.
Does that sound sensible:confused: - No Di
You have posted it above here anyway. If you go to the beginning of this page. Do you see what I mean make it bold and then we can refer people back.
It is Post No 3.
Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents.
I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection.
I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein.
I enclose a cheque in the sum of Ј10 to cover your fee.
IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.
I look forward to hearing from you in the first instance of receipt.
Your Faithfully.
.................................................. .................................................. .......................
Details of:
SAR (SUBJECT ACCESS REQUEST)
For anyone requesting a Subject Access Request (SAR), they have 40 days to comply and send you all the information they have on you on your accounts.
Ј10 cheque payment or postal order is required.
Always post by recorded delivery.
When you receive the SAR, you should receive all that is requested within the template, if in doubt just post up here where someone will be able to confirm what is what.
You will or should receive all information going back as far as 6 years, you may be lucky to receive information going back even further, every company varies from one to the other.
Write again to the company if you believe they have not given everything requested, they should write back within a short time and confirm if that is everything they do have on you and your account(s) with them.
You do not always receive recorded discs, however phone calls made Jan 2005 after may have been recorded, where they may then supply the recordings, but otherwise you should receive transcripts of dates, times etc of when calls were made and the reasons for the phone calls.
If there were a joint loan taken out, and you both require details, most companies will want 2 payments of Ј10 x 2 = Ј20 cheque or postal order and require 2 signatures, check this with the company concerned to save on time and any come backs.
Again if you feel let down you can always contact the Information commissioners Office, known as the ICO who will be able to direct you here, here is the ICO website for your interest, check this out, as more information will be within their website.
https://www.ico.gov.uk/for_the_public.aspx
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