Jump to content

Gizz

Registered Users

Change your profile picture
  • Content Count

    15
  • Joined

  • Last visited

Community Reputation

1 Neutral

1 Follower

About Gizz

  • Rank
    Basic Account Holder
  1. Now that's really got me going.....I think a copy of these shall go right along to the FOS to be added to my file, you never know, he may just add a compensatory sum due to their outright cheek and bs ?? Thanks again.....
  2. Here you go, hope you can see ok, it's a bit of a bad copy.... The 1st payment date was 01/09/06........
  3. Hi, I'm looking for someone to check my sums on this. A&L finally sent me my copy of original credit agreement (with PPI included and my signature ) but doing quick calculations, the figures aren't adding up. £10,000 over 60 months (5 yrs) payments are £192.33 (without PPI) totalling £11,539 Ok, I'm working this out to be 5.94% not the 5.9% it states on the agreement........the question is...... Incorrectly executed? If so......unenforceable???
  4. My thoughts were along these lines, but the more I think about it, the A&L are obviously holding back on something, if it's not that the loan is unenforceable, I think it may be that the PPI was a single premium, added to the original loan......now looking at their wording they may be falling well short of what this has actually cost me....??? I'll leave that to FOS, hopefully the first thing they'll ask for is the missing copy of the original credit agreement. Here is the response I gave A&L (copy to the FOS as well) response to offer for forum.doc
  5. Ok, I've sent the FOS all copies of my interactions with A&L, in the meantime I've received yet another letter from A&L saying they are still looking into my complaint, ignoring the fact I have asked for information so I can look into it and low and behold today........ I received a letter saying they have decided they are unable to establish whether I was provided with sufficient details to make an informed decision when the policy was taken out (wasn't that exactly what they're original letter stated) and they would like to offer me....well, I'll let you read it.....
  6. Hi everyone, Here is a link to my ongoing saga with Alliance & Leicester, further to this I've had another two "still looking into this, contact you again in four weeks of we've not found anything" letters. I've contacted the FOS but am now looking to get a court order to force their hand.....except I'm clueless as to how to go about this.....any help appreciated..... http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/198355-l-ppi-letter.html#post2207578 Gizz
  7. Here's the letter I e-mailed to the FOS, do you think it was worded ok......? I'm a bit new at all this..... Hello, I was wondering if you could give me some advice on an issue. Alliance & Leicester acc nos.xxxxxxxxxx and xxxxxxxxx The Alliance & Leicester contacted me in March of this year with a very non-specific "Dear Customer" letter relating to PPI. As I never take out PPI due to the nature of my job (Prison Officer), I presumed it was a generic letter to all their customers due to the fine they received for miss-selling PPI and set it aside. Two weeks la
  8. Thanks for the quick response Alanalana, do you have a link to an FOS template letter? I think since A&L instigated this, and all I have asked for is the information required to make an informed choice, the FOS may be interested? Two recorded delivery letters asking for copies of my original signed credit agreement so I can make an informed choice on the question THEY ARE ASKING ME....... I may be lucky that this turns out to be unenforceable and that's why they are stalling, if not the least they could do is give me some figures...... My two loans are for £4k and £12k, an
  9. Hi, not wanting to hijack this thread either but if someone could have a quick look at my case and give some advice....?? http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/198355-l-ppi-letter.html#post2207578 So far they're dragging their heels over me requesting information I need to make a decision over something THEY have contacted me about.....go figure??
  10. Ok, I sent the second template letter on 13th May. On 14th May (before they would have received my letter) I got a letter saying it obviously takes time to look into these things and they would be in touch as soon as possible, still no mention of any figures involved in the PPI that THEY told me about........ Today I've received another letter from them. Again with nothing i have asked for but saying that since I have complained they now have a complaints team looking into the matter.......and that if they haven't contacted me within another four weeks then they would gaain contact m
  11. I am another one who received the standard looking "we may have miss sold" Alliance & Leicester letter, I have a few questions.... I have two loans with them and the letter gave me no indication as to which loan the letter referred to. As a result I sent them a letter asking to clarify which account the miss sold PPI was linked to, recorded delivery in their own envelope. I also sent separate letters (templated) under CPR 31.16(3)©&(D) for each account. The response date for these was 4 May. Four days after sending them I received a letter referring to one account sayi
  12. The letter from A&L doesn't tell me which loan it is referring to, it gives me a reference number to quote back to them but not a loan reference. It states that they are dealing with telephoned advised basis loans between 14 Jan '05 to 31 Dec '07. I have two loans with them, neither telephone advised, both internet applied, and both without PPI. I'm thinking that if they're telling me they've applied a PPI for a loan without my permission and they're only covering these dates, then why wouldn't they have done the same for any other loans on any other dates.... I may find ou
  13. Would it not be quicker in this case if a do the request for a copy of my original credit agreement? If there's no mention of the PPI then it is surely an unenforceable loan?
  14. First of all, Hi everyone.... I've just received a letter from A&L telling me that there is an issue with PPI on one of my unsecured loans. If I have an issue with it, then they will refund the payments and cancel the PPI. My questions are..... Due to the nature of my job I have never requested PPI on any loans that I've had in the last 18years. This makes me consider that it has been added without my consent. As such, is their admission of error also an admission that the credit agreement I have with them is also flawed and possibly an unenforceable agreement that they are
  15. First of all, Hi everyone.... I've just received a letter from A&L telling me that there is an issue with PPI on one of my unsecured loans. If I have an issue with it, then they will refund the payments and cancel the PPI. My questions are..... Due to the nature of my job I have never requested PPI on any loans that I've had in the last 18years. This makes me consider that it has been added without my consent. As such, is their admission of error also an admission that the credit agreement I have with them is also flawed and possibly an unenforceable agreement that they are
×
×
  • Create New...