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    • Former billionaire Hui Ka Yan has been fined and banned from the financial market for life.View the full article
    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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A&L loan help please


Madge67
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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 Santander who took over A&L. and thry have duly sent me a copy of the orginal agreement.

 

The agreement includes amounts for PPI 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 SAR 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

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  • 6 months later...

Just to update this thread. SAR 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 SAR 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

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  • 3 weeks later...

Hi guys just an update,

 

Ive recd a letter today from Santander stating the historical information can only be retained for legitimate reasons, therefore some personal data 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 data 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 PPI ont hem that I want to claim back

 

thanks

 

Madge

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Can anybody advise on this please. Should I send an SAR 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 SAR,

 

Cheers

 

Madge

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  • 3 weeks later...

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 SAR'd Santander who only sent the very latest loan details. Should I write back to them 'with reference to my previous SAR request' and give them the account numbers now that i have them?

 

Any advice is really appreciated

 

Madge

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  • 1 month later...
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