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    • Hi. Could you post up what they've sent please so we can see what the charge is? Cover up your name and address and their reference number. HB
    • I've looked through all our old NPE threads, and as far as we know they have never had the bottle to do court. There are no guarantees of course, but when it comes to put or shut up they definitely tend towards shut up. How about something like -   Dear Jonathan and Julie, Re: PCN no.XXXXX cheers for your Letter Before Claim.  I rolled around on the floor in laughter at the idea that you actually expected me to take this tripe seriously and cough up. I'll write to you not some uninterested third party, thanks all the same, because you have are the ones trying to threaten me about this non-existent "debt". Go and look up Jopson v Homeguard Services Ltd, saddos.  Oh, while you're at it, go and look up your Subject Access Request obligations - we all know how you ballsed that up way back in January to March. Dear, dear, dear - you couldn't resist adding your £70 Unicorn Food Tax, you greedy gets.  Judges don't like these made-up charges, do they? You can either drop this foolishness now or get a hell of a hammering in court.  Both are fine with me.  Summer is coming up and I would love a holiday at your expense after claiming an unreasonable costs order under CPR 27.14(2)(g). I look forward to your deafening silence.   That should show them you're not afraid of them and draw their attention to their having legal problems of their own with the SAR.  If they have any sense they'll crawl back under their stone and leave you in peace.  Over the next couple of days invest in a 2nd class stamp (all they are worth) and get a free Certificate of Posting from the post office.
    • Yes that looks fine. It is to the point. I think somewhere in the that the you might want to point out that your parcel had been delivered but clearly had been opened and resealed and the contents had been stolen
    • Hi All, I just got in from work and received a letter dated 24 April 2024. "We've sent you a Single Justice Procedure notice because you have been charged with an offence, on the Transport for London Network." "You need to tell us whether you are guilty or not guilty. This is called making your plea."
    • Okay please go through the disclosure very carefully. I suggest that you use the technique broadly in line with the advice we give on preparing your court bundle. You want to know what is there – but also very importantly you want to know what is not there. For instance, the email that they said they sent you before responding to the SAR – did you see that? Is there any trace of of the phone call that you made to the woman who didn't know anything about SAR's? On what basis was the £50 sent to you? Was it unilateral or did they offer it and you accepted it on some condition? When did they send you this £50 cheque? Have you banked it? Also, I think that we need to start understanding what you have lost here. Have you lost any money – and if so how much? Send the SAR to your bank as advised above
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PPI Percentage applied to 2 Alliance & Leicester loans


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Hello

I am just about to commence a PPI re-claim on an old Alliance & Leicester personal loan.

There appears to be a number of addresses to where the SAR letter should be sent.

Can anyone please confirm which is the best (correct) one to use.

The options I have are:-

 

Customer Services, Santander Consumer,

Santander House,

86 Station Road,

Redhill RH1 1SR.

 

Alliance & Leicester Personal Finance Limited

Building 3 Floor 2

Carlton Park

Narborough

Leicester

LE19 0AL

 

Santander (Abbey, Alliance & Leicester)

Abbey National House

2 Triton Square

Regent's Place

London

NW1 3AN

 

Santander

SAR's team

P.O. Box 1111

Bradford

BD1 9NQ

 

If non of the above are the correct address, I would greatly appreciate info. on where it should be sent.

 

Thanks

James

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See the fca register might be best

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Is it possible to determine the PPI premium applied to a loan.

I had 2 personal loans for £3,000 each from Alliance & Leicester.

The first started in mid-1998 and the second taken out in early 1999 which included a PPI element.

I paid 24 monthly re-payments of £143 for first loan … and 24 x £159 for the second.

The re-payments obviously overlapped.

I have no loan documentation … but I do have my bank statements showing all the monthly repayments for both loans.

 

SAR request made … in summary, came back with …. we have no records for you and as you have not supplied any loan reference or documentation … get lost!

 

The second loan definitely included PPI but in trying to pursue a claim I'd like to show that, allowing for any interest rate changes, the higher premium included PPI element.

Does anyone know what a typical PPI percentage was …. in 1999!!

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even if you got that info, A&L would claim it was not them and they were not regulated.

 

https://cse.google.co.uk/cse?cx=partner-pub-8889411648654839:6449422593&ie=UTF-8&q=Alliance+%26+Leicester+ppi&sa=Search+CAG

 

send the PPI underwriters an sar, they would have been regulated under GISC or API for that time and would be the only ones that might cough up.

 

their [A+L] int rate is pretty much immaterial to a PPI reclaim.

yours sound like a rollover but if loan 1 didn't have PPI, then that's of no consequence either.

 

pers it this situation i'd trust what [if anything ] the underwriters offer you, they are not interested in short changing people anyway.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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