Thread: Rbs

Originally Posted by honey5

i took out a loan with this lot which is naturally paid by DD, it shouldve ended last JUNE!!!!!! so need to stop that at once!
only thing is that i cant find my original agreement, i know there was definately PPI as they wouldnt allow the £8000 loan to go thru without it
payments are £228 over 5 yrs (or shouldve been!!)
how do i go about finding out the details of the loan not being able to get my hands on the documentation ?
anyone please
i know my paper work just isnt in order at all sorry
honey x

Hello honey,

To get a copy of your credit agreement send them this legal request

Creditors and DCAs - Letter Templates & Budget Planner Send letter N with your £1 payment. There are statutory timelimits on this of 12working days + 2 postage, no ca they have breached the law and then after a further 30dys committed a criminal offence.

I would also send them a full SAR, you will find it in the ppi stickies.

Good luck and keep us posted.

Hello Honey,

If you do not have the loan agreements/reference no to hand

Send the S.A.R - (Subject access request) in the PPI sticky and add your details

Full S.A.R - (Subject access request) for ppi

Name
Address
DOB

Add a bit stating when the loan was taken out and the details of your Natwest account that the payments were taken from.

That should be sufficent for them to send you the details

Originally Posted by honey5

thankyou so much boy am i pleased you happened along, this is all wayyyyy over my head :o
thanks again
honey x

No problem Honey, we are all here to help

Any questions you need to ask, even if you thing they are daft ask please

Oh you clever girl

Originally Posted by honey5

think Ive found away round the ref etc, i rang them today asking for a statement as i was looking to take out further agreement maybe in the future they send me a statement, so should include all paid up until now aswell as ref number
thanks again
honey x

Dont count on it containing the information that you are looking for though.
As they wise up to whats going on, they are becoming more devious in their efforts to thwart our attempts to reclaim.
What i mean is, dont be surprised if the information has been deleted or altered.
It happened to me, and i would not put anything past anybody these days.

Go ahead as advised above with your SAR & CCA requests.
At least that way you get the ball rolling.

Originally Posted by honey5

well the statement came, but your right its not broken down at all
just dates and payments made

honey x

Write back emphasizing the details you require.
Tell them you will not tolerate their disregard for your rights.
Be ruthless, (Thanks Alan) as they would be with you.

If there is anything specific that you require in your S.A.R - (Subject access request).
Like, How much are tea bags these days?.
Do add it into your request.
They will only provide you with enough information to convince the courts that they are dealing with your request. When we know that they are just fobbing us off.
Dont be afraid to ask for anything that you need, better to do it now than waste weeks waiting for them to be helpful.

Go get em.... (my adopted saying for PPI claimants)

[quote=tonycee;1371540].
They will only provide you with enough information to convince the courts that they are dealing with your request. When we know that they are just fobbing us off.
/quote]

EEE TC your becoming a bit cynical in your old age, whatever is giving you that impression. Does Barclays and Natwest spring to mind

No joking apart, TC is correct, make sure you ask for absolutely everything the have on you. All information regarding the PPI and the interest that they apply to it. Any rebates given etc, telephone recordings if you took the loan out over the telephone, these are the things that you need.

If they come back and state that their databases don't have it , if they made that calculation they should have it. ;-) You may need to keep at them.

When you SAR comes back and if you don't understand anything or are unsure come back to us:grin: