Jodyb v Alliance & Leicester

[jodybuk]

Hi,
I am self employed & I have one payment left to make on a loan I took out in 2005. I asked A & L to send me a loan staatement as I Have never received on throughout the life of the loan & I see I have paid £737.35 ppi & £67.61 interest on insurance.
I fully intend to claim this back, Do I still need to do a Subject access request as I have now got a loan account statement, are there other things I need in order to proceed with my claim & how do I work out the interest- Do I just add 8% to the total ppi & interest?
Your help is as always very much appreciated
Thanks

[crugga]

Hi sorry cant help on calculating the 8% butIve just this week had a successfull reclaim from A & L on self employed grounds & I took it out in 2005 & ive got 1 payment left so pretty equal. Yours should be a pretty simple claim as the cover to a self employed is far inferior and ultra hard to claim so doubt you'll have to take it to far, i'm sure they didnt explain this to you which they didnt to me. I accepted without the 8% purely because I needed the cash straight away to clear the balance. Someone i know had the same with A & L, wrote a letter back saying they'd accept it as part payment then demanding the 8% the courts would award. Oh yeah all you need is what youve got, i'd get the first request sent as they'll decline it and worry about the 8% later.

[jodybuk]

Thanks for the advice crugga, I have pm'd you & will keep you posted with my progress!!
Congrats on your win