PPI - Can I claim

[Iamharrassed]

I took out a loan with Lombard in 2002 for £20,000. I believe that at that time I was mis-sold PPI because I had a telephone conversation with them to the effect that I needed to take this insurance before they approved the loan. The PPI was £3814.21, making the total loan £23814.21 and then they added the charge for credit - £4523.19 making a grand total of £28337.40. I was making the payments up until early 2006, when I lost my job. I tried to make a claim but this was disallowed because I was sacked. I have been struggling to make payments ever since and this debt has now been passed to Intrum Justitia who have been pursuing me for the last few years. They advise me that the debt is now £5,200, but I still believe that I am paying the PPI. I have now reached the stage where I have asked this company for a CCA, thanks to this site. What I now would like to do is try and pursue the PPI for being mis-sold. How do I begin this process?

[mangle101]

Do you still have your copy of the loan agreement?

[Iamharrassed]

Yes I do - it's a 2 page document, the second page lists the Credit Agreement Act 1974, the 1st page lists my personal details, the details of the loan and then a paragraph on Data Protection.

[mangle101]

The first thing would be to write a letter of complaint to HSBC, detailing your reasons for being mis-sold the PPI. I am unable to post links here but, if you look at my thread in this section you will be able to copy/paste & amend the initial letter that i sent to them. The thread is titled - HSBC Loans/PPI & the last post made to it was on 25th August 2009 ( Page 28 ).

Once suitably amended, print your name ( Do Not Sign!! ) keep a copy for yourself & then send 1st class recorded

[dec22]

Good luck, I hope you get sorted and receive a refund. Just to speed things up, you need to send your Lombard PPI complaint to RBS PPI Concerns office in Manchester, address below as they deal with all RBS/Natwest/Direct Line and Lombard complaints.

PPI Customer Concerns Team
Royal Bank of Scotland Group
PO BOX 833
5th Floor
1 Hardman Boulevard
Manchester
M3 3AQ

[dx100uk]

http://www.consumeractiongroup.co.uk...claimants.html

dx

[Iamharrassed]

Well, I sent the request for CCA letter to Intrum Justicia and received a reply to the effect that they were passing the request back to Lombard. Today I received a letter from Lombard asking me to call them urgently regarding the CCA request. I don't want to call them and get into any conversations so should I just ignore this letter as they have not fulfilled my request or should I write again.

Advice is welcome.

[mangle101]

They have 12 + 2 days to comply with your request for a CCA, if the time has passed write a letter before action ( Can be found in the templates library ) I believe this states that they have not complied with your request for the CCA as per section 78 of the Consumer Credit Act & allows them a further 7 days to provide the CCA & then we shall take it from there. Also explain to them that you would like any communication by them to be by letter only! This will help you to keep a paper trail.

Good Luck

[dx100uk]

well its the failure to comply letter/ a/c indispute letter not the lba
you're not going to take any further action, so nothing to warn them about......but you can legally stop payments if you wish.

now the PPI

you need to do a spreadsheet and charge 8% stat from the date of each PPI payment to the [date of your claim]
when you put your claim in
you also need to cancel the PPI.

if you want help doingthe spreadsheet you'll need to post up the agreement scan just remove all pers info but leave the figures.

dx

[Iamharrassed]

Well before I have had a chance to send off the failure to comply letter, Lombard have sent yet another letter stating that the signature on my CCA request does not match their records. I didn't sign the letter as per instructions simply typed my name and did a squiggle. So where do I stand now, they are asking me to send another letter duly signed.

I did send the PPI initial letter stating that I have been mis-sold but as yet have had no reply to this one. I sent it to the address as given me by Dec22 above.

[dx100uk]

std delaying tactics.

dx

[dec22]

It takes about 2 weeks for RBS to acknowledge receipt of your complaint letter. I assume you sent it recorded so have you checked whether it has been delivered or not? If you want to ring them no is 0161 7556890.

I can't give advice on the signature issue as I signed my letters. Hopefully someone will come along and advise you of the next step to take regarding CCA and signature.

[Iamharrassed]

Yes, did send it recorded. Thanks.

[dec22]

Have you tried ringing them on the number above to see if they have received it?

[jdes26]

go get that money back..................... ........

[Iamharrassed]

Thanks for all the info... Can someone please advise whether or not I should reply to the latest letter from Lombard asking me to sign and confirm both my address and signature. The letter basically says that once they have this confirmation they will pursue my request for CCA documents, but in fact Ihave been paying this debt to their DCA for the past few years and they certainly have my address.

No news as yet from RBS re PPI, am waiting for a big fat cheque, ha.. ha..

[dec22]

It is up to you regarding the signature, hopefully someone will come along and give some advice. it shouldn't hold anything up with the complaint though.

[dx100uk]

there is a letter you can send blowing that delaying tactic out the water.

cant seem to find it when i want it.

dx

[Iamharrassed]

If you can find it, it would be appreciated. Many thanks

[dx100uk]

Dear Sirs,

i refer to your letter of XXXXXXX in which you confirm that you are not sufficiently satisfied as to my identity to be able to send personal and financial information to me at this address unless i provide you with a signature.

I have complied with your request and you will note that i have crossed my signature as an anit-tamper measure.

Until receipt of your letter in which you clearly raise concerns as to whether you are in communication with the correct person I have never been asked to supply a signature and yet your company has on a regular basis and over a great number of months (years) been sending personal and highly sensitive financial information to me at this address

Clearly , since you now admit that this was done without satisfactory proof of identity - then your letter is a clear admission to serious breaches of the Data Protection act

By copy of this letter I now make a formal complaint to the OFT and ask them to investigate your actions as soon as possible

I have been advised that there may be an alternative reason for your insistence on a signature, that being that you are perfectly well aware of my identity but are deliberately seeking to put obstacles in the way of my obtaining information rightly due to me under the Data Protection Act.

In either event it is right that the OFT should know of your actions. No doubt you need to admit to one or the other


yours sincerely


or

http://www.consumeractiongroup.co.uk...ml#post2788625

or

http://www.consumerforums.com/resour...o-no-signature-

adapt all as required

dx