Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder Madge67 Novitiate

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    Default A&L loan help please

    I took out a large A&L loan in 2007 to consolidate etc etc etc - you know the story. The application was made via telephone and they sent the forms via post for me to sign, which I did. I have recently CCA'd Santandericon who took over A&L. and thry have duly sent me a copy of the orginal agreement.

    The agreement includes amounts for PPIicon which I had crossed through those and specifically stated on the back of the agreement that i did not wish to purchase PPI. I will scan the Agreement and post it tomorrow for your thoughts. It looks ok to me.

    My beef with them is that I hit financial probs in 2008 and offered reduced payments which they accepted for a while. I wasthen advised that as i could not afford to pay my arrears they swould be looking for a CCJ to apply a charging order on my property and it was only a formality and not to worry, to keep making reduced payments. I was so naive at tthe time and just went along with it. I had just had a baby and had no idea how to deal with things like this. It was utter madness as our house was (and still is) in negative equity so the order is worth zilch to them.

    I am continually pursued by Shoosmiths who state they are delaying with the debt. Im just wondering where I stand on this - I know it's a bit of a imppossible question to answer at the moment but I thought it important to get a thread started in the hope that someone has been through a similar thing with A&L or another bank.

    I will send an SARicon to Santander to see if there are any flaws in their processes. I just wonder if its all too late beings as the CCJ has already been awarded.

    Madge


  2. #2
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    Ooops I meant to say 'I am continually pursued by Shoosmiths who state they are dealing with the debt'

    Must be because im sooo tired


  3. #3
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    SARicon sent today r/d


  4. #4
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    Just to update this thread. SARicon docs were sent to me on 03/11/12. Contained very little info and only related to most recent loan which was taken out in 07. I had several loans with Alliance and Leicester and am certain there would have been PPI on them. Sadly I have no records - DOH!. Santander are saying that they have destoyed all info prior to this. I dont believe this for one minute so failed SARicon letter to go tomorrow demanding the info or records of destruction dates, authorisation etc. I will keep you posted as to what comes back (if anything). Id love to hear of anyone in a similar position who has won their PPI claim. I didnt want to just submit a 'just in case' claim. Its far better to have the info to hand .

    Madge


  5. #5
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    Hi guys just an update,

    Ive recd a letter today from Santandericon stating the historical information can only be retained for legitimate reasons, therefore some personal dataicon may no longer be held as it has been deleted in line with our retention policy. We can however confirm that we have sent you all the personal dataicon that we still hold in relation to the customers account.

    Im unsure what to do next folks. I had a feeloing they would do this. Should I be SAR'ing Alliance and Leicester maybe as these were who the loans were with?

    I know I had many labs with A&L and they are bound to have PPIicon ont hem that I want to claim back

    thanks

    Madge


  6. #6
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    That was meant to say loans not labs by the way


  7. #7
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    Can anybody advise on this please. Should I send an SARicon to A&L for old loans even though Santander had taken over the latest loan. I am pretty certain I had PPI on the old loans but Ive no iodea how I can find out without an SARicon,

    Cheers

    Madge


  8. #8
    Basic Account Holder Madge67 Novitiate

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    Default Re: A&L loan help please

    Well ive been searching high and low for any kind of references and even resorted to asking my bank for old statements which they duly sent.

    This paid off and I have at least one ref number for the old A&L loan. Next question is - where the blinking heck do I go from here? I have already SARicon'd Santander who only sent the very latest loan details. Should I write back to them 'with reference to my previous SARicon request' and give them the account numbers now that i have them?

    Any advice is really appreciated

    Madge


  9. #9
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    Default Re: A&L loan help please

    Yes...give them all the details you have on the loans and a "failed SARicon" letter as well.

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