Hello Trudianne
Quote:
Having previously used this brilliant site to reclaim bank charges I am now going to try to reclaim PPI. Trouble is I don't really understand it. I know for sure that my Capital One credit card charges me PPI monthly and I am certain that I didn't request this - i thought it was something i had to have with the card (duh!). I have 7 years worth of statements so do I need to do a Subject access request? How then do i calculate what to claim back. I am sure some kind soul will point me in the direction of a step by step guide.
Many thanks for any and all assistance.
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Best approach
Subject access request first get all the information check all the statements etc and start a claim. Don't forget the statutory fee of £10.00
within the Subject Access Request see the following:
Full SAR for ppi Data Protection Act 1998 - Subject Access Request
You should request the following documents:
A true copy of your Consumer Credit Agreement with the
terms and conditions that were applicable at the time you took the credit card.
Copies of all statements applicable to the credit card.
Copies of all correspondence that apply to you as a data subject ie letters, emails, faxes etc.
Copies of all recorded
telephone calls or transcripts of the recordings.
A copy of the needs and wants/
customer duty of care questionnaire... here is an example.
http://wwwa.mbna.co.uk/insurance/files/CP0608_INSU_MB_LP_S.pdf
Copies of any notes made by any staff in their dealings with you.
Also have a look in these links for further help.
PPI - Some Notes for Claimants.. links within this one are loads more links here are a couple that may help..
For claims before 2005 and the FSA ruling from which campaign How to tell if you’ve been mis-sold PPI Quick check: were you mis-sold? - How to tell if you’ve been mis-sold PPI
THIS LINK IS IMPORTANT TO YOU ON RECLAIMING IT IS FROM 2001 FROM THE fos loan payment protection insurance and a quote from this link...
Quote:
When determining whether a policy is suitable, a seller – whether a lender or an agent for the insurer – must obviously take into consideration any information the prospective policyholder volunteers. However, we do not consider the seller’s duty is limited simply to recording what the borrower discloses. It is only by asking questions that the seller can properly determine suitability. These questions cannot cover every aspect of a borrower’s personal position and should not be expected to do so. To paraphrase the ABI Statement, only those matters deemed to be relevant by the insurer should be the subject of questions.
hope this is of use
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Help Needed PPI claim! 
