Help starting a new PPI claim against Halifax

[Waggerboo]

Hi, I'm going to try and put a claim in myself against Halifax, I've spoken to a customer advisor on the phone that said they wouldn't give out my loan agreement numbers as I didn't have any details of when/how much it was for as I can't remember.
I know for a fact I was mis sold PPI but I'm really not sure of when the loans were taken out and if they were paid off more than six years ago!
I have an address that I can write to to request the information but all I have is the former bank account and sort code that the loan would've come out of.
Is this something I can pursue or will I not get anywhere?
what sort of letter do I need to write?
Any help gratefully received
Thanks

[di30]

Re: Help starting a new PPI claim against Halifax

Hi and welcome

Personally I would not deal with anything on the phone with banks etc..but have you a local Halifax? Did you also bank with them? If so call in by giving your banking account number (even if you no longer bank with them) they should check on their systems of all accounts, loans etc you held with them as well as the account numbers... x

Otherwise you can send a Subject access Request (SAR) to Halifax data dept to request for all info held, you can do this by applying your account number as you stated above and they have 40 calendar days to comply and send all they hold on the accounts. However, you enclose the one off payment cheque of £10.

Do you wish for the SAR letter template? I can dig this up and post it for you.

[Waggerboo]

Re: Help starting a new PPI claim against Halifax

[QUOTE=di30;491978]Hi and welcome

Personally I would not deal with anything on the phone with banks etc..but have you a local Halifax? Did you also bank with them? If so call in by giving your banking account number (even if you no longer bank with them) they should check on their systems of all accounts, loans etc you held with them as well as the account numbers... x

Otherwise you can send a Subject access Request (SAR) to Halifax data dept to request for all info held, you can do this by applying your account number as you stated above and they have 40 calendar days to comply and send all they hold on the accounts. However, you enclose the one off payment cheque of £10.

Do you wish for the SAR letter template? I can dig this up and post it for you.

Hi, thanks for reply, yes I did bank with them at that time, the letter template would be great thankyou!!

[di30]

Re: Help starting a new PPI claim against Halifax

I shall dig this out for you now, was it a joint or single loan account?

YOUR ADDRESS
YOUR POST TOWN
YOUR POSTCODE

BANKS NAME
BANKS ADDRESS
BANKS POSTCODE

Date

Account No: XXXXXXXX Sort Code: XX XX XX

Dear Sir/Madam

Please send me all data that your company holds relating to my entire account history. Please include details of all transactions, and a copy of the original contract by which this account is/was governed at the time it was opened including all amendments made to the contract terms since opening the account.

I would also like a schedule of all charges & interest applied to my account(s) including details of any instances that required manual intervention. If you are unable to provide this specific information, copy statements will suffice.


All data, including data held on a microfiche must be provided within a reasonable timescale, a maximum of 40 days.


In light of all the recent publicity regards the reclaiming of bank charges, some Banks appear to now only be providing a breakdown of charges in response to all and any Data requests. For the avoidance of doubt I do actually require all information held by yourselves.

It seems a lot of banks are also wrongly interpreting the Data Protection Act (DPA) 1998 as a requirement to only disclose six years worth of personal data, and this is also wholly wrong. The DPA clearly states that all information held must be disclosed and it has no correlation to the Limitation act 1980 at all. If you no longer hold data beyond 6 years however, I would like a signed declaration from your data controller and a copy of all documents pertaining to its proper disposal.

Whilst not exhaustive and for the avoidance of doubt I shall list what I require:

* Full copies of all contracts that exist between myself and your organisation; including copies of any documents you hold in support of same.

* Copies of all statements relating to the above accounts.

* Copies of all correspondence, including all letters, faxes, emails and memos sent and received between ourselves, and any other third party in relation to any of the above accounts.

* Copies of any telephone recordings and/or transcripts of these recordings as well as any logs or journals that relate to them.

* Copies of all documents which include any of my personal information including copies of any contracts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.

* Full details and copies of any documents upon which you relied when you have provided my personal or financial information to any individual, organisation or third party.

* Full copies or transcripts of any computer logs or database records kept in relation to myself or in relation to my financial or personal information.

*Details of all systems you currently have in place to ensure my personal or financial information is kept securely, including details of those officers who currently have control of same, and at the time it was held or provided to a third party.

* Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, reason for deletion, 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.

I enclose the maximum statutory fee of £10.

You have 40 days to comply with this request.

If you fail to comply fully I shall enter a formal complaint with the Information Commissioners Office which could result in a fine and prosecution.




Yours faithfully,



Your

[Victoria27]

Re: Help starting a new PPI claim against Halifax

Excellent advice from Di, as always.
SAR is first and very important step.
I agree with Di, the best not to do it over the phone.
Once you get all the available information, it will make it much easier to prepare your case.
Best,

Victoria