GM Card PPI

[MattyA]

Re: GM Card PPI

You really don't want to be sending the above - if you do this you can forget winning anything as not only will they have your latest signature they'll be able to paste it onto things!

You're going for a PPI refund, right now sending a signature is like way daft! I really hope you have not done what you said in your last post and sent off a copy of your passport! You need to read our templates and respond with this - ie a proven source that works!

Signature Request by Creditor/DCA If that doesn't work, you then follow up with this one: Signature Request - Formal Response

I had the verysame problems in obtaining my SAR infor from HSBC.
GM are owned by them.
In the end I emailed the CEO as it had gone on for months,delay tactic after delay tactic attaching a copy of a letter that I had sent to ICO.
The response was amazing - people from different departments ringing me at work apologising for the delay etc etc.
I even got the £10 SAR fee refunded and further compensation for my troubles.
The SAR info was delivered to my local branch a couple of weeks later 2 boxes full to the brim!(Must have cost more than a tenner to put that lot together....lol.
Had to sign for it though.....dodgy siggy

Its worth a go.

managingdirectoruk@hsbc.com

Matty

[Angry Cat]

Re: GM Card PPI

They would indeed, but why send something that is not necessary? There is nothing that says you need to prove your identity, if they insist then you report them for sending personal data without knowing (or ensuring) you were at the address they wrote to - its a catch 22 for the DCA - i.e. they always lose; cos we do not have to provide ID and being obstinate is better than giving in to outrageous demand for data that is not necessary nor lawfully required in order for satisfaction of the original query (SAR Request)

UKPA Holders signature plus a mass of other information... [Emphasis Added]

[sn_dn]

Re: GM Card PPI

The problem is that I have only recently moved in and haven't had a statement here from them yet. You know how it is, shiny new house ... time to sort out the finances . Hmm, I'm pretty sure my statement is overdue though. I wonder if they're stalling (straightens tinfoil hat).

I don't get what's wrong with sending a copy of my passport (I mean, if they copy that then it's pretty easy to prove fraud).
I'd propose signing my name differently - or maybe misspelling it. I've also considered just printing my name, after all, I'm pretty sure they don't have a copy to compare it to

P.S. I haven't sent any response yet, and won't until I'm sure about what to do.

[Angry Cat]

Re: GM Card PPI

They would indeed, but why send something that is not necessary? There is nothing that says you need to prove your identity, if they insist then you report them for sending personal data without knowing (or ensuring) you were at the address they wrote to - its a catch 22 for the DCA - i.e. they always lose; cos we do not have to provide ID and being obstinate is better than giving in to outrageous demand for data that is not necessary nor lawfully required in order for satisfaction of the original query (SAR Request)

My comment related to a change of data controller. Of course, the account holder should be advised under the DPA, if any such change has taken place by the original data controller.

Catch 22 indeed for any DCA chasing Lemons.

In any event, I would never provide my passport or, driving licence; too much information.

[Never-In-Doubt]

Re: GM Card PPI

Photocopies of 2 different utility bills and/or bank statements from within the past 3 months would suffice.

They would indeed, but why send something that is not necessary? There is nothing that says you need to prove your identity, if they insist then you report them for sending personal data without knowing (or ensuring) you were at the address they wrote to - its a catch 22 for the DCA - i.e. they always lose; cos we do not have to provide ID and being obstinate is better than giving in to outrageous demand for data that is not necessary nor lawfully required in order for satisfaction of the original query (SAR Request)

[Angry Cat]

Re: GM Card PPI

Photocopies of 2 different utility bills and/or bank statements from within the past 3 months would suffice.

[Never-In-Doubt]

Re: GM Card PPI

You really don't want to be sending the above - if you do this you can forget winning anything as not only will they have your latest signature they'll be able to paste it onto things!

You're going for a PPI refund, right now sending a signature is like way daft! I really hope you have not done what you said in your last post and sent off a copy of your passport! You need to read our templates and respond with this - ie a proven source that works!

Signature Request by Creditor/DCA If that doesn't work, you then follow up with this one: Signature Request - Formal Response

[sn_dn]

Re: GM Card PPI

Okay, I had a response today. Basically "thanks for your request, please jump through some hoops". They are asking for me to fill in a form and send a copy of my passport. Apparently my details will be forwarded within forty days from receipt of my payment and completed form".

Hmph. I propose to fill in the form (with signature, which I intend to sign fully instead of only first initial as normal). I also propose to send something like:

Dear Sir or Madam,

Re: SAR - xxxx xxxx xxxx xxxx

I am replying to your letter dated 29th June 2011. I have completed the form and enclose a photocopy of my valid passport. As I am sure you are aware, the Data Protection Act does not require me to send you this information, and as you have already received my payment I remind you that the allowed 40 days will expire on 27th July (40 days after my request received by you on 17th June).

Yours sincerely

Me

[Never-In-Doubt]

Re: GM Card PPI

I'm not too bad since I've been paying the minimum so they aren't chasing me. But I haven't actually used the card in donkeys and they've cancelled it. I have the money to completely settle the account but I suspect that if I do they'll magically forget who I am and rwfuse to discuss anything. My plan just now is to settle it only after I've sent them a formal complaint about the PPI, which I can only do once they answer my SAR and I can work out a sum to ask for. Grr

You have it all under control, what you suggest is perfect - that's the way to do things.

Get the PPi refunded to the account then go in with a F&F offer at around 20% and see what they say

[sn_dn]

Re: GM Card PPI

I'm not too bad since I've been paying the minimum so they aren't chasing me. But I haven't actually used the card in donkeys and they've cancelled it. I have the money to completely settle the account but I suspect that if I do they'll magically forget who I am and rwfuse to discuss anything. My plan just now is to settle it only after I've sent them a formal complaint about the PPI, which I can only do once they answer my SAR and I can work out a sum to ask for. Grr

[MattyA]

Re: GM Card PPI

Hi sn_dn

I have a similar ongoing (since last September) battle with this lot - It is like getting blood out of a stone.
They really are a shower of S**T.
Be prepared for a long fight - but stick with it and you will come through.
They had issued me with court proceedings - but cannot pursue this,for now at least, due to my ongoing PPI mis-selling complaint.
Like you my account is old(1998) large balance for a long time which has attracted substantial PPI & associated interest charges ,which are way in excess of the outstanding balance.

Good luck & stay strong.

Matty

[sn_dn]

Re: GM Card PPI

technically you've done wrong by using the details that were incorrectly advised to you. The proper process is to report to the ICO and let them deal with it.

Obviously, telling the third party could result in problems for you if you gave your details; for all you know they're a mass murderer; who now has your address etc etc

Point is it's a DPA breach which means you go to the ico and get the ico to agree with your complaint thus giving you ammunition in court.

Make better sense?

Ah, that makes sense. I will now carefully file my copies and wait for their next blunder.

Thanks, and I'll keep you updated.

[pompeyfaith]

Re: GM Card PPI

not as much as that only 14k lol

[Never-In-Doubt]

Re: GM Card PPI

Haha how much do they pay? I know lowells start at £16-£21k for collection agents (ie phone harassers)....

[pompeyfaith]

Re: GM Card PPI

Hehe clever bugger indeed, it is so so important when communicating with the financial industry one has copies of everything both hard copies and a computer file.

This applies whether it relates to you or not.

As you have just found out they cannot be trusted with data.

BTW during my MBNA court case I was sent from Optima Legal there solicitors a letter detailing a pay rise to one of there staff.

Optima Legal are very good at publisising they are a top 100 law firm lol yeh indeed shame they do not take care of there data relating to there employees.

Regards

Oh BTW they pay shit money lol