Thread: Welcome Finance Nightmares

Send them a lba for non-compliance of the SAR - if they don't produce the info, hit them with a claim through the small claims court.

To be honest, they've had two SAR's - I would disagree with sending them another one, but send them this instead:

http://www.consumeractiongroup.co.uk...n-act-non.html

It's template 2 and you'll need to amend it to suit your circumstances.

I would agree on the address postggj (but not about being usually right).

I just think OP has given them enough chances to comply and as they are playing silly buggars, they should be made to realise the OP is being serious.

It should cover the last 6 years, or less if the loan was taken out within that time.

Hello maud and tiglet,

Anyway i have been trying to get hold of a copy of the original CCA (had sevreal loans over the years) and have only recently recieved it. I sent a S.A.R - (Subject access request) in October last year and recieved nothing, the most recent one sent in March this year generated a bundle of papers which in part were of use but the vital info i.e original CCA was not present. I wrote twice to request this info and have only just recieved it. The original CCA shows the total amount of PPI charged but i don't have any statements showing the payments i have made becaue they have only sent statement relating to the most recent loan! I feel like i am banging my head against a brick wall!

SNAP
I would probably be able to supply some information on the statements but I cannot be certain it would be the same jargon my bank uses.

Even if they send me the right one i wont be able to translate it into a figure to reclaim! I'm so stressed out with all this as they spent 6 months hassling me for payment and now they wont provide the info that could resolve the situation.

See these two links re harrassment...
Claim chasers to be cleaned up
OFT anger over debt collection practices

Hi
Thank to you all for the swift replies. I have been dealing with compliance services for some time now and i either rightly or wrongly had assumed that when you send the S.A.R - (Subject access request) it covers your entire account history, whether they have only sent the latest info on purpose i dont know but it seems that this is whats happened. It puzzles me because the 'computer notes' print out dates from 2003 when the very first loan was taken out, but any letters or statements commence in 2006. I will send the template letter 2 and see what i get.
I cant hit them with a claim because without the requested info i dont have a figure to cliam
Thanks so much

The SAR should cover everything the organisation has on record in any data form on you as the subject i.e paper, electronic. cd. tape, floppy disk, microfische, or any other format you can think of. The limitation is debatable as the money laundering act states documents have to be retained for five years after the last transaction on the account...see this link.

http://www.hm-treasury.gov.uk/media/...ations2007.pdf Part 3 19. Record Keeping.

But the Financial Ombudsman Service will actually look at claims up to six years and perhaps longer depending upon the case.

I have claims going back to 1997 to present and hopefully the fos will see the links between Direct Line Financial Services loans and Royal Bank of Scotland loans as linked as they are all the same RBS Group of companies.

Any way I hope the above Information will be of help to you

aa

PS this is the link to my saga with RBS what a nightmare...
alanalana PPI claim against RBS (looking for some help) please

The thread is long but highlights the issues of banks delaying tactics.

also if you have time check out this...
links

again it is long but has some useful information about PPI

reclaim your mis-sold PPI