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hello although i have a thread elsewhere i wonder if anyone can answer this question for me? having taken out a loan with RBoS and stupidly took the PPI the loan was £15,000 with all the add ons the total was £22,000. after three days short of a year i had payed £4,599 to the loan i was offered a top up which i took, but my question is when i took the top up did that pay off the previous loan? if it did then i should have got money back for settling early should i not? if you can help cheers im seeing a lawyer this afternoon and im getting in touch with the Ombudsman. cheers
i have an update from rbos. seemingly when i took my loan out and took the PPI you were only covered for 12 months, as from a couple of years ago it was changed to 60 months apparently
i have an update from rbos. seemingly when i took my loan out and took the PPI you were only covered for 12 months, as from a couple of years ago it was changed to 60 months apparently
Do you have this in writing from them????? Truely disgusting unjust enrichment.
What is your next move?????
If any of my posts are helpful, please feel free to click my scales. All information is given as my opinion only, based on my own personal experiences. I have no legal training, but have educated myself in aspects of consumer legislation. My motto "NEVER GIVE IN, NEVER SURRENDER", THERE IS A WAR ON YOU KNOW
good morning. thanks for your reply, well the bank got in touch by phone yesterday regarding the top up loan which i got over one year later from the original loan. now i have the original contract but not the top up contract. i askrd them for a copy and they tried to waffle me on the phone by quoting details from it lol i told the lassie i wanted the document and could she explain in english and not bank waffle what it was. of course i was hit with the favourite buzz word "advise". seemingly everything is my fault because they only "advise". so with petted lip she huffily said "well it will cost you £10 then" i will head to an rbos on monday and request the details from them. the court case has been put back as i have started fighting back. thanks to all who fought before me. jimmy
Noticed you have a couple of threads about the effectively the same issue against RBS. We should look at getting the threads merged as that will keep your case easier to manage and keep a track of. Are you OK with that, it does not stop you from posting questions related to your own case on any other thread!!
Have you met with the lawyer yet? What happened? Remember that will cost you and we can probably give you whatever advice you need- free of charge!! (an Edinburgh bloke should like that:o )
Have you issued a Subject access request (SAR) and do you have copies of the loan agreements and PPI agreement?
When was the original loan taken out with the PPI?
All communication with the bank should be in writing as this evidence will be needed later.
We will all try and help you!!
Kind regards, Kenny
Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.
Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-
alright kenny? are you a fan of the second team to wear the green AND the hoops? lol well ive not seen the lawyer yet as i need the top up loan agreement. im going to go to a branch and request them on monday. the original loan i do have. would i be correct in thinking that as i pay for the PPI first on the total that when i make a claim its effectivley ME thats paying ? the woman at the credit managment services was very very nippy in her manner. i asked her why the banks "advice" always led to them getting a result? i was basically told i shouldnt have taken the "advice" then. ive been looking at past threads and with hindsight its all falling into place. you get well and truly stitched up. im going to work out how much i paid to the original loan and then try and work out what ppi i should have got returned as i payed the original loan off when i got the top up.
lol well ive not seen the lawyer yet as i need the top up loan agreement.
Leave the lawyer meantime. However, do you really need a top up loan?? This is increasing debt and expending the period of repayment. Can you afford it and have you considered all aspects of this ie secure employment, is the loan secured are there other options,etc?
im going to go to a branch and request them on monday.
Request what? What you need is copies of your full banking history ie all bank accounts, loan agreements etc with your bank. This needs to e done in writing by adapting the S.A.R - (Subject access request) from the templates section- here:
Include in that letter the account number for your loan and specifically request a copy of the of the signed terms and conditions for the PPI agreement. You need to do this in writing as there may be difficulties in getting the info from them. If there is, we can then go to the Information Commissioner with a copy of the correspondence and court, if necessary later. (keep copies of everything)
the original loan i do have. would i be correct in thinking that as i pay for the ppi first on the total that when i make a claim its effectivley ME thats paying ? the woman at the credit managment services was very very nippy in her manner. i asked her why the banks "advice" always led to them getting a result? i was basically told i shouldnt have taken the "advice" then.
I bet the woman was very nippy, she knows where this is going!! lol. If you take a top out just now, you will be paying interest on top of the interest on the first loan. In addition, you will be paying interest on top of the PPI.
ive been looking at past threads and with hindsight its all falling into place. you get well and truly stitched up. im going to work out how much i paid to the original loan and then try and work out what ppi i should have got returned as i payed the original loan off when i got the top up.
You will need to work this out from the information you have
Was the PPI missold to you?
How much was the PPI??
Did you need it, were you self employed, did you have any ongoing medical conditions, was it a condition of getting the loan.
Can you please answer the above points and we can take it from there.
PS hope your team wins!!
Kind regards, Kenny
Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.
Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-
ok kenny? well the original loan was taken out on 3rd march 2003 then in nov 2004 that was when i took the top up( i get confused at times as well). i just worked out that i paid £7,159.64p up until the top up which was 29th nov 2004. so with the original loan i paid the PPI and the interest and the admin fee or damn near it. now i reckon i should have got the remainder of the ppi i paid. is that correct? im going to send for the top up loan agreement on monday and also account details from jan 2007. i have claimed on the top up loan but i was never told i could cancel it. so im still getting hit for the ppi although i cant use the account and ive never had a statement of anykind since they "advised" me to default. i guess that the banks are playing on the peoples ignorance of whats going on but as they set themselves up as the people to manage your money you would expect a modicum of honesty. i was never told that there were cheaper options, i also think i was "advised" that a secured loan was the best option for me.
I will ask someone to look at this thread for further advice, so we can get you on the right track. That will take some time as things are busy just now at the weekend.
Take care, Kenny
Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.
Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-
hello folks. well heres a wee update hopefully it will maybe help someone in the same boat as me. i handed in a SAR request to my branch of rbos on april 7th and to date have not received what i asked for. i wanted to know where i stood regarding the original loan and the PPI that was taken out. why was i not told there were cheaper alternatives? why was i not told that the first thing thats payed is the ppi? why was i not told that i was only covered for 12 months at any one time? why do rbos now cover you for 60 months? did i get money refunded when i took the "top up" loan? the letter i did get refers to the top up loan but as rbos wont send me my documents im no further forward. ive also been paying, at the banks request £100 a month yrt on the sheriff court document it says that i have payed nothing to date. its all going to the Ombudsman but i suppose i can only wait and see. cheers jimmy
goodmorning. this PPI thing just gets more bizzare as it goes on. on the 26th aug i recieved the following letter from the ppi concerns team in manchester. under the heading DATA PROTECTION ACT 1998 loan agreements. ' for the data protection act to apply information which is not stored electronically needs to be held in a certain structured format which is easily accessible. an example of this would be if the information was filed in alphabetical order, referring to the name of the customer and then the file itself was broken down into different topics. information held in such a sctructured format is known as a RELEVANT FILING SYSTEM.
if you have any queries do not hesitate etc blah blah
so i phoned to see what the hell all that gobbledegook was all about. i have been informed by 2 seperate people that the ppi team in manchester have no paperwork or in fact any details of my ever having ppi. the explanation , as far as i could grasp it meant that i have never been covered by ppi although i have in my possesion a latter stating what i was charged for ppi and what was paid out when i eventually did have to claim.
being completely and utterly stupid in financial matters can anyone try and explain in an easy understandable way exactly what this means?
thanks in advance for any help as the RBS still want me to sell my house and make me homeless.
goodmorning. this PPI thing just gets more bizzare as it goes on. on the 26th aug i recieved the following letter from the ppi concerns team in manchester. under the heading DATA PROTECTION ACT 1998 loan agreements. ' for the data protection act to apply information which is not stored electronically needs to be held in a certain structured format which is easily accessible. an example of this would be if the information was filed in alphabetical order, referring to the name of the customer and then the file itself was broken down into different topics. information held in such a sctructured format is known as a RELEVANT FILING SYSTEM. The banks are using this as a fob off (I think they are using the Data Protection Act part 1 (3)(a) and (b)). You may not be entitled to all data especially if is involves a third party and if the third party do not agree to it being released then that is that. My question would be why is my Personal Data not being held in a structured format. If it is not part of a Relevant Filing System then what is it a part of and how do you control my Personal Data.
if you have any queries do not hesitate etc blah blah
so i phoned to see what the hell all that gobbledegook was all about. i have been informed by 2 seperate people that the ppi team in manchester have no paperwork or in fact any details of my ever having ppi. the explanation , as far as i could grasp it meant that i have never been covered by ppi although i have in my possesion a latter stating what i was charged for ppi and what was paid out when i eventually did have to claim. If you have made a claim then you may not be able to claim mis-sold PPI.
being completely and utterly stupid in financial matters can anyone try and explain in an easy understandable way exactly what this means?
thanks in advance for any help as the RBS still want me to sell my house and make me homeless.
As far as PPI claiming goes here are a few links and paragraphs that may help you in case you have not seen them.
For legal issues relating to Data Protection check this link...Lots of very useful info in understandable terms. Data Protection | OUT-LAW.COM
it includes the following and much much more Negotiating with the Data Subject (This should be important to Banks)
At this stage, it is advisable to negotiate with the data subject. The location information the data subject will have already given will give a clue as to what it is the data subject really wants to have information about. The benefit of the Data Protection Act 1998 is that it allows data controllers to negotiate with data subjects to get the data subject to specify the exact information he or she wishes to receive.
The data controller is entitled to ask for a fee of £10 and two further pieces of information. Firstly, the data controller must satisfy himself that the person making the request is, in fact, the data subject. The use of a Subject access request form is advised, since the greatest breach of a data controller's security is for the data controller to satisfy a Subject access request made by a person impersonating the data subject. The use of the form goes towards proving that the data controller has adequate identification and verification procedures in place. Secondly, the data controller is entitled to ask the data subject for further information to enable the data controller to locate the information which that person seeks.
When the last of these three pieces of information has been obtained, the forty day period starts to run. It is advisable to put procedures in place to ensure that the receipt of the request and the further information is correctly dated so that an organisation knows how long it has to satisfy the subject access request.
However, if the data subject is adamant that he or she wishes to receive a copy of everything the data controller holds on him or her, then there is very little the data controller can do about this, and a completely exhaustive search of the computerised and manually held data in the organisation will be required. (nice to know what you see in the Act is what you get)
As you have had no satisfactory response to your SAR I would suggest a complaint to the Information Commissioner Office. You will find the info on ICO in the links thread or my own. Please feel free to copy my letters and cobble them to suit your own particular case.
To see the full Data Protection Act 1998 follow this link...
clueless
the loan was £15,000 with all the add ons the total was £22,000. after three days short of a year i had payed £4,599 to the loan i was offered a top up which i took, but my question is when i took the top up did that pay off the previous loan? if it did then i should have got money back for settling early should i not? if you can help cheers im seeing a lawyer this afternoon and im getting in touch with the Ombudsman
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Originally Posted by hibbiejim
