Jump to content

Mandalou2

Registered Users

Change your profile picture
  • Posts

    42
  • Joined

  • Last visited

Reputation

1 Neutral
  1. Thanks DX...ask Lloyds? Thought it strange that 2 were not upheld, even said they spoke to me and from my answers decided they were sold to me correctly...I've never spoken to them on the phone!! No explanation as to why the other one was upheld though just the figures...
  2. Partial Success!! Received cheque for £1599 for one loan. I took out 3, the complaint included all three which were taken out 1997-1998. Same circumstances for all. Confused as to why only one was paid out. Should I send to ombudsman or be thankful I got some?! Bit of a rhetorical question but your thoughts would be greatly received. Many thanks
  3. Thank you, yes I did SAR Lloyds which is how I knew I had insurance on 3 loans. I will keep on at them as I've nothing to lose. I know they told me I had to have them, difficult to prove though. Just wish they would hurry up! Ha!
  4. Which is what I told them on the phone but seems to have fallen on deaf ears...doesn't look like the hefty fines have had much effect!!
  5. I'm looking for some advice if possible please.... I have only recently realised I had PPI on 3 loans taken out with Lloyds in 1996,1997 &1998. I sent an SAR to Lloyds in June as my initial complaint was not upheld as they couldn't find any paperwork, this was sent and received on 14th September and complaint re-opened. I have telephoned 3 times and still my complaint hasn't been looked at. Can they take as long as they like? It's starting to annoy me that my complaint (new information) has been sitting on someone's desk, so to speak, since September. I have today complained to the Ombudsman but not holding my breath.
  6. I now have a statement with over £600 of fees. my BOS (without personal info) and my credit agreement. Would someone knowledgable be able to take a look please? Statement shows 62 months as they extended agreement about halfway through as I couldn't afford to pay. They did this without being asked and haven't charged. Should now end in August 2015.
  7. Hi I have received the copy of the BOC sent by TFC, I am trying to attach it so you can see what you think. Do you think this shows they registered it? Many thanks
  8. Thanks dx Sorry to be a pain but I can't find anywhere what will happen IF their claim is upheld. What I mean is IF after submitting my defence and it goes all the way and they miraculously come up with legal paperwork, will the court still allow me to pay say £5 a month if they award judgement. ..worried I'll be ordered to pay whole lot in go as I didn't send in income/expenses form by date originally requested. Sorry this whole process is both new to me and very nerve racking
  9. Received letter from Cabots today to say they are not holding paperwork I have requested but have requested it from Barclaycard, could take up to 40 days. This account is over 10 years old, what are the chances? Also I've checked Noddle and nothing on there for Barclaycard.
  10. Will send off SAR tomorrow using your template letter, thank you. Out of interest, I cannot even remember who these were sold on to, should I just leave it until they contact me? And what if they do?
  11. I've checked credit file and these have not appeared on there for a number of years. I can't remember if they were consolidation loans or not, sorry.
  12. Thanks for replying so quickly BF. Where can I find your customer services guide, I've looked but can't seem to find it, sorry it's been a long day. The thought of making a small claim in the court scares the hell out of me, how easy/expensive is it?
  13. Thanks for your replies...so it seems unless I can get them to reduce fees (unlikely) or the BOS was not registered (not that lucky) im going to have to try and find the money? I will try calling and have downloaded a free recording app but I know they won't change date, even so that doesn't help with charges already added
×
×
  • Create New...