Tesco Loan PPI

[liandconsmum]

Hmmm... I'll admit I have just let it slide regarding the Tesco loan. I sent back the signature they asked for (although I signed it, not DH) in March, they STILL have not sent the SAR. Now recently we have received paperwork from them regarding the PPI, saying they have been reviewing files and this PPI may have been missold. (It was, but I haven't touched it as we still haven't even gotten the SAR or a correct CCA back on it).

So.. fill out the PPI form saying yes it was missold and sign it myself? Or ignore? Not sure what to do at this point. I know I should have followed up regarding the SAR, but it was pretty obvious they weren't going to play ball and cough it up, since we'd been fighting with them for over a year already trying to get it.

[Pixie]

Re: liandconsmum's UE Diary

I'm sorry I don't know...but I'm sure someone will be along who does know

[di30]

Re: Tesco Loan PPI

Hmmm... I'll admit I have just let it slide regarding the Tesco loan. I sent back the signature they asked for (although I signed it, not DH) in March, they STILL have not sent the SAR. Now recently we have received paperwork from them regarding the PPI, saying they have been reviewing files and this PPI may have been missold. (It was, but I haven't touched it as we still haven't even gotten the SAR or a correct CCA back on it).

So.. fill out the PPI form saying yes it was missold and sign it myself? Or ignore? Not sure what to do at this point. I know I should have followed up regarding the SAR, but it was pretty obvious they weren't going to play ball and cough it up, since we'd been fighting with them for over a year already trying to get it.

Thank you FP.

Hiya liandconsmum

Did they take the payment fee £10 for the SAR?

If so I would write back and say they have not complied with the Data Protection Act (DPA), and make it clear that you sent the Subject Access Request (SAR) back in March, where they had ample time of 40 calendar days which is the given timescale for this request, but up to now they have failed to provide you with the request.
Tell them if they fail to comply to this within 14 days of your letter, you will be making a complaint to the Information Commissioners Office (ICO).

[liandconsmum]

Re: Tesco Loan PPI

Di, thanks. Yes, the letter in march that I sent them was exactly that. They'd added the £10 for the SAR as a payment on the account, instead of paying for the SAR (which they've never sent). We've had some ongoing family problems (child's disability, DH's mental health) that have literally taken over my time over the past 6 months and I never made a complaint regarding the lack of SAR (which I know I should have). Basically I told them to take it off as a "payment on account" and put it towards the SAR and send us the SAR. They responded in typical fashion and demanded a signature (again - they used this ploy numerous times last year). I signed the form myself (account in DH's name only), and they haven't responded since then (March).

Do I send them another letter stating this needs to be addressed? And what to do about the separate PPI letter? I realise if the account is not being paid/in arrears, they won't refund the PPI to us anyway (it WAS missold), but it would decrease the debt, would it not?

There's also the tricky issue that we had a previous loan with them, rolled it over into another loan. Then got a partial PPI reimbursement from the previous loan (so assume that the remainder of the PPI was rolled into the new loan). Tempted to demand the remainder of the original PPI as well as the current PPI. Or do I just wait? Soooo complicated... grrr

[ken100464]

Re: Tesco Loan PPI

If it helps with anyone having trouble with a SAR (like I have had) a well worded letter to the CEO with threat of referral to ICO has worked with every bank so far except Santander

I will now embarrass Ana Botty and her shower of crap of a bank as she feels it is proper that she is exempt from the law of the land.

Hope that helps

[ken100464]

Re: Tesco Loan PPI

Blimey FP.

Was losing the will to live by the end of all that.

Least I dont have to stress about anything till spring. 40 days in Spanish time obviously means 6 months.

Know what my next Ana Botty letter will include. Less Siesta more data

[di30]

Re: Tesco Loan PPI

Di, thanks. Yes, the letter in march that I sent them was exactly that. They'd added the £10 for the SAR as a payment on the account, instead of paying for the SAR (which they've never sent). We've had some ongoing family problems (child's disability, DH's mental health) that have literally taken over my time over the past 6 months and I never made a complaint regarding the lack of SAR (which I know I should have). Basically I told them to take it off as a "payment on account" and put it towards the SAR and send us the SAR. They responded in typical fashion and demanded a signature (again - they used this ploy numerous times last year). I signed the form myself (account in DH's name only), and they haven't responded since then (March).

Do I send them another letter stating this needs to be addressed? And what to do about the separate PPI letter? I realise if the account is not being paid/in arrears, they won't refund the PPI to us anyway (it WAS missold), but it would decrease the debt, would it not?

There's also the tricky issue that we had a previous loan with them, rolled it over into another loan. Then got a partial PPI reimbursement from the previous loan (so assume that the remainder of the PPI was rolled into the new loan). Tempted to demand the remainder of the original PPI as well as the current PPI. Or do I just wait? Soooo complicated... grrr

Hiya

I would definately send them a letter just as Ken suggested and the CEO, I think will help push the boat.
They have not complied with the data protection act, and that is the same as being unlawful in other words.

In regards of the PPI, it's up to you, but I would wait to see if the info comes back which may help to see what is what.

Usually refunds are used towards the balance/debt, and yes it will decrease the amount owed, and the PPI should also be removed, so that should be cancelled out once resolved.

It differs from one bank to the other from what I am aware of, if there was loan to take out another loan, as the most recent one clears the first loan balance which would include ppi, it is classed as a loan rolled onto another as one loan if you get my drift.

However, if in hardship, and for instance this is not a loan secured on any property, and you have other debts, for example, council tax, gas/electric and so, you do have the right to request they refund the money back to you because of this reason, as these would be priority debts compared to a unsecured loan.
You may prefer to have the balance of the loan decreased though, that is up to you.

[di30]

Re: Tesco Loan PPI

................on researching I came across CEO email, hopefully it is the correct one.

benny.higgins@tescobank.com

[ken100464]

Re: Tesco Loan PPI

Just to update you on ana botty and Santander.

Today have first correspondence from them about the SAR ( Two failed SARs in )

We sent letter to London HQ but get grovelling reply from SAR team in Leeds 5 days later.

Of course not the full result yet for us but we now have two active addresses to complain too plus maybe an irrate ana botty watching the SAR team.

So now have results from RBS, Santander,Creation, Halifax and Barclays.

Just leads me to the view dont get the info you want go to the top and feck the monkey getting it in the neck.

[di30]

Re: Tesco Loan PPI

Just to update you on ana botty and Santander.

Today have first correspondence from them about the SAR ( Two failed SARs in )

We sent letter to London HQ but get grovelling reply from SAR team in Leeds 5 days later.

Of course not the full result yet for us but we now have two active addresses to complain too plus maybe an irrate ana botty watching the SAR team.

So now have results from RBS, Santander,Creation, Halifax and Barclays.

Just leads me to the view dont get the info you want go to the top and feck the monkey getting it in the neck.

You are good at this, I must give you that

[ken100464]

Re: Tesco Loan PPI

Thanks Di.

When I started this journey I actually believed the banks and bankers were honourable institutions and people.

I now know that to be absolute rubbish and the industry is corrupt and rotton to its core.

In Santanders instance I dont believe a signed for letter to Leeds address followed by a signed for letter to HQ going missing after I have a signature they recieved it is anything other than a corporate decision to fob the customer off.

Ok if thats the case involve Ana Botty the CEO and then complain to the ICO and anyone else I can think of. This isnt just an off the cuff request for a bit of info its the law they should be complying with.

I had a letter ready to go to the store in questions CEO asking why he was dealing with a bank that constantly broke the law. Especially as the CEO of that bank was complicit in breaking the law.

That threat seemed to work and hey presto the Leeds address we wrote to in June becomes active

[di30]

Re: Tesco Loan PPI

Thanks Di.

When I started this journey I actually believed the banks and bankers were honourable institutions and people.

I now know that to be absolute rubbish and the industry is corrupt and rotton to its core.

In Santanders instance I dont believe a signed for letter to Leeds address followed by a signed for letter to HQ going missing after I have a signature they recieved it is anything other than a corporate decision to fob the customer off.

Ok if thats the case involve Ana Botty the CEO and then complain to the ICO and anyone else I can think of. This isnt just an off the cuff request for a bit of info its the law they should be complying with.

I had a letter ready to go to the store in questions CEO asking why he was dealing with a bank that constantly broke the law. Especially as the CEO of that bank was complicit in breaking the law.

That threat seemed to work and hey presto the Leeds address we wrote to in June becomes active

Very proud of you for standing your ground Ken.

I totally agree when it comes to Santander too.

When I made a complaint directly to them in regards of GE Cap bank/First Nat, I enclosed the relevant paperwork, but some bits were missing, so I sent a SAR to the Data Protection Unit.

In time I received a rejection letter, that they could not track down anything on the account, because time lapsed they no longer hold anything on the account. (Despite the fact I enclosed my information).

So a few days on, the SAR arrived, with information on the account, dates, amounts, start and end dates!!

So to me the complaint team failed to fully comply with the reclaiming complaint, I had since wrote back and informed them of them incompetence and enclosed copies of data send from the SAR.

The next letter was very short, they said "You have already received our final response, and we will not be reviewing further"

Now, why they do this is because the business were not regulated by the FSA, so yes they find an excuse and immediately reject, also because of the non-regulation.

I have howver, sent further info to complain about the poor customer service, made it clear that it's not just them who has a copy of the complaint, but informed them it will be going all the way to the top and more.

(Meanwhile, I have pushed this in with the FLA and the Underwriter).

See what happens.............

Wishing you luck with this.

[ken100464]

Re: Tesco Loan PPI

And you Di.

I have wondered for some time with the amount of storecards that are being fobbed off with the "we werent regulated" line if there really is any mileage in referring our complaints to the stores involved.

Not so much because they are liable but more to show them what utter scumbags GE Money and Santander are.

I find it interesting in Santanders results the only part that is making serious money still is Santander UK. Why? Because they are just milking the system and the regulators seem to think any competition is better than none even if this competion is worse than what we already have.

I wonder what some of the CEO's of big high street chains really think about the name of their company being bandied about around the web as rip offs. Even tho its a storecard and a bank the poster is on about am sure there is some damage going onto the stores themselves over this.

Yes they werent regulated but they are now caught up in a fraud on a massive scale. Its not miss-selling its fraud. If this was me you or joe bloggs on the street corner doing this we would have been locked up for a very long time by now.

But anyway I digress. For me the result will be the getting the paperwork out of them before the shredders get to work. As I believe this part of the scandal will be being revisited sometime in the future. But it will be after they have been given the chance to data clean.