Norton Finance - PPI

GAVINB · 30th June 2009, 19:37

A number of years ago I took out a secured loan with Norton finance (x2) and was forced to take PPI with the loans.

These were subsequently paid off with the sale of my house, but I am wondering if I can reclaim this money.

This insurance was all charged up front on the account.

However, I do not have the agreement number anymore, so how do I go about requesting my Subject access request autolinker.com autolinking image

for a closed account, that I have no details on.

What is to stop Norton from claiming that they do not have any record of my account anymore.

Any help or advice would be greatly appreciated.

alanalana · 3rd July 2009, 20:11

Quote:

Originally Posted by GAVINB

A number of years ago I took out a secured loan with Norton finance (x2) and was forced to take PPI with the loans.

These were subsequently paid off with the sale of my house, but I am wondering if I can reclaim this money.

This insurance was all charged up front on the account.

However, I do not have the agreement number anymore, so how do I go about requesting my Subject access request autolinker.com autolinking image

for a closed account, that I have no details on.

What is to stop Norton from claiming that they do not have any record of my account anymore.

Any help or advice would be greatly appreciated.

I would ask for details on how many years is a number of years ago?

When you state forced to take out PPI can you give me more detail on how it was forced?

You possibly can claim but you will first need to do some work by reading through all of the stickies links at the top of the forum. There is a massive amount to read through but it will no doubt help you to decide on the way ahead for a reclaim of PPI.

aa

GAVINB · 3rd July 2009, 21:23

Thanks for the reply.

I closed the account about 7 years ago. So not sure if I could still claim at this late stage.

We were told that we would not be able to complete the loan without agreeing to take the PPI.

I was wondering how to get a history of my accounts first with it being a closed account. I thought there was a template letter in the forums but I couldn't locate it.

alanalana · 4th July 2009, 20:50

Try using this ....

Full SAR for ppi

or this....

Data Protection Act 1998 - Subject access request

The things you should get from a Subject access request autolinker.com autolinking image

are:

True copies of your Consumer Credit Agreements (CCA) with the terms and conditions autolinker.com autolinking image

that were applicable to the agreement at the time the loan started.

Copies of all you statements.

Copies of all correspondence with regard
to the loan, letter, fax, transcripts of phone calls autolinker.com autolinking image

or transcripts of phone calls autolinker.com autolinking image

, or other notes taken by them during the calls.

Also be specific in your request for full disclosure on any PPI added to the loans this should be identifiable on the CCA.

Specifically request the needs and wants/Customer duty of care questionnaite which should have been completed at the point of sale. This questionnaire should be filled out by the bank advisor to ensure all the relevant questions have been asked to ensure the product is fit for purpose and suitable to your needs. See this as an example.....

When you send your Subject Access Request you should ask for evidence of the questions asked at the point of sale.

Please see this link for an example:.....http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf

The data requested should be data in any format that their organisation uses for filing, electronic, paper, microfiche, CD, Floppy, Magnetic tape.

You should press them for the information and if they fail to provide you should submit a formal complaint to the Information Commissioners Office the info is in a link in here links

aa

30th June 2009, 19:37	#1 (permalink)
GAVINB Basic Account Holder Protect your signature with SignGuard Cagger since : Apr 2006 Posts: 47	Norton Finance - PPI A number of years ago I took out a secured loan with Norton finance (x2) and was forced to take PPI with the loans. These were subsequently paid off with the sale of my house, but I am wondering if I can reclaim this money. This insurance was all charged up front on the account. However, I do not have the agreement number anymore, so how do I go about requesting my Subject access request for a closed account, that I have no details on. What is to stop Norton from claiming that they do not have any record of my account anymore. Any help or advice would be greatly appreciated.

3rd July 2009, 21:23	#3 (permalink)
GAVINB Basic Account Holder Watch out, there are Claims Touts about! Cagger since : Apr 2006 Posts: 47	Re: Norton Finance - PPI Thanks for the reply. I closed the account about 7 years ago. So not sure if I could still claim at this late stage. We were told that we would not be able to complete the loan without agreeing to take the PPI. I was wondering how to get a history of my accounts first with it being a closed account. I thought there was a template letter in the forums but I couldn't locate it.

4th July 2009, 20:50	#4 (permalink)
alanalana Site Team Watch out, there are Claims Touts about! Cagger since : Nov 2006 I am in: Cumbria Posts: 4,528	Re: Norton Finance - PPI Try using this .... Full SAR for ppi or this.... Data Protection Act 1998 - Subject access request The things you should get from a Subject access request are: True copies of your Consumer Credit Agreements (CCA) with the terms and conditions that were applicable to the agreement at the time the loan started. Copies of all you statements. Copies of all correspondence with regard to the loan, letter, fax, transcripts of phone calls or transcripts of phone calls, or other notes taken by them during the calls. Also be specific in your request for full disclosure on any PPI added to the loans this should be identifiable on the CCA. Specifically request the needs and wants/Customer duty of care questionnaite which should have been completed at the point of sale. This questionnaire should be filled out by the bank advisor to ensure all the relevant questions have been asked to ensure the product is fit for purpose and suitable to your needs. See this as an example..... When you send your Subject Access Request you should ask for evidence of the questions asked at the point of sale. Please see this link for an example:.....http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf The data requested should be data in any format that their organisation uses for filing, electronic, paper, microfiche, CD, Floppy, Magnetic tape. You should press them for the information and if they fail to provide you should submit a formal complaint to the Information Commissioners Office the info is in a link in here links aa __________________ I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------ Bank charge successes: Halifax - Full settlement incl interest. HSBC - Settlement, goodwill no admission of liability about 75% of claim. RBS - Settlement, goodwill no admission of liability about 70% of claim. 2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did PPI Successes PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both. 2 claims settled in full with LV without FOS involvement. 2 claims settled in full with HSBC without FOS involvement PPI Claims ongoing with: Cap one Now with the FOS Barclays. They have now been given a deadline before FOS action. No response so complaints now with ICO and FOS. LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc 1 Complaint not upheld by FOS they said it was ICO issue. Complaint upheld by ICO. See this.. Post 290 from *RBS PPI Claim Long fight but, WON* Please do not PM me for advice as it may be sometime before I can respond. Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.