If you are planning on making a payment protection complaint then you may be looking for some payment protection claim help to assist you with starting your journey. Before making your complaint you will need to ensure you have a few simple pieces of information. The most important of these are the name of the lender who sold you the policy and the appropriate card number of loan agreement reference. If you do not have your reference or you have misplaced your original paperwork you should first try calling your lender and requesting copies of this information. Should your lender refuse to give you the information you require you can submit what is called a Subject Access Request.
A Subject Access Request is a formal written request for a copy of data held on you by an organisation. Everyone has the right to make this kind of request under the Data Protection Act 1998. In your letter you should confirm that you wish to receive information regarding all the loans and/or credit cards you have held/hold with them. To help them identify you on their systems you should include details of your full name and address. If you have moved or changed your name since taking out the loan/credit card you should also explain this. You should ensure you retain a copy of the letter and you may like to send it recorded delivery. You lender has 40 days in which to respond to your request. There is a standard £10 fee when submitting a subject access request so you should enclose a cheque or postal order with your letter.
Once you have received the information regarding your loans/credit cards you should have everything you need to start your claim. For more payment protection claim help contact our team today.