Abbey National

[andyford2000]

I have 2 loans with Abbey a few years back, just noticed that one certainly had payment protection and not reall sure about the other one. would i need to send CCA request or a S.A.R - (Subject Access Request) for both or just request to see CCA

also had a mortgage with them before switching, need also to look at exit fees, whats the best way of doing this

[andyford2000]

just found the paper work original CCA so can i just write and ask for it all back



one take out in 1999 PPI £388.84 interest £92.84
second one taken out 2000 PPI £620.89 interest £186.47

has too much time passed for me to claim these back as misold, if not, how does one calculate interest gained since then

[andyford2000]

bump

[andyford2000]

Just Had A Reply From The Abbey Regards My Ppi Claim

They Are Asking Me To Fill In A Questionaire With Details Like Employment Dates Number Of Kids And Some. Should I Actually Fill This In And Sent It Back Or Do Something Else

Guidance Please

[andyford2000]

Bump

[FrugalJo]

Hi Andy
Had the same thing from Cahoot/Abbey in March. Did a bit of research via google, from what I've read the questionnaire isn't legally binding. Basically they should have all the information already on record, I get the feeling they are trying to trip us up ie find discrepancies in the original information given.

I found a post on the penalty charges forum where someone trying to claim against Northern Rock had been sent a similar questionnaire, advice given was to return it stating that all the information needed was already on file.

Will update you when I receive response.

Jo

[alanalana]

Hi Andy,

I had the same requests for more information and then more information. The banks are using delaying tactics and trying to get you to do the work by providing the information you are requesting I got caught out S.A.R - (Subject Access Request) sent 7 January 2008 still waiting for the details. The longer they got yer money the more yer money grows but sadly goes to their pockets not yours.

I believe you have 6 years and the Financial Ombudsman Service route will only deal with your complaint back to 2005 so it may be a Court action.

However write and request the money back anyway you know from your CCA how much you want to claim plus the interest since the date of the CCA.

I am not great at sums so perhaps ask advice on interest I know you can claim statutory interest at 8% but that is 8% over the period since the loan.

Hope this helps If I am wrong then maybe a site helpler or mod would assist

good luck

aa

[andyford2000]

well i think i will send the questionaire back with a letter basically saying that they have all the information on file that is required, as there 14 days are about to expire, will also send a LBA too