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.....

Here you go, hope you can see ok, it's a bit of a bad copy.... The 1st payment date was 01/09/06........

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???

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

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..... I shall be sending copies of both the last delay letter and this offer to the FOS of course, and shall be writing yet another letter back to A&L stating that from day one, since I received their letter I have not asked that THEY look into the matter, but would like a copy of my original signed credit agreement so that I can look into the matter and make an informed decision. I shall inform them that this matter is now in the hands of the FOS and I shall await his instruction..... Is this the correct course of action at this point? It's looking like this is definately unenforceable (or am I just hoping too much)

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

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 later I received another letter from them, this time addressed to myself "Dear Mr Mitchell". It again related to a PPI that I had, and stated that they would be happy to refund the PPI and continue with the loan. This letter had a reference number on it which in no way related to any account I have with them. After doing some research I wrote back to them asking for copies of my original signed credit agreement for both loan accounts I have with them under Civil Procedure Rules (Pre-action protocols and Part 31.16) so I could attempt to work out which loan account they were referring to as they had not given me any way in which to make an informed decision on the questions they were asking me. I gave them one month to respond with the paperwork requested. These letters were posted recorded delivery on the 12 April and were received and signed for by the Alliance & Leicester. On 16 April I received a response from a Chris Woollatt, Case Manager, Group Customer Relations. This letter thanked me for contacting them, stated they would look into the matter (which they raised) and get back to me. This letter included one of my loan account numbers but in no way related anything to do with a PPI. On 13 May I decided to write again. This time I made a formal request for information CPR part 31.16. I noted that I had not received copies of either of the agreements which I requested. I again stated that my reasons for requesting copies of the original signed credit agreements, that were, 1) I had reason to believe there may be discrepancies which may leave the agreement improperly executed. 2) I believed Payment Protection Insurance was not correctly incorporated within the agreements. 3) I believed that there was a commission paid in respect of one of these agreements which has not been disclosed to me and therefore is a breach of agency law. I also stated that the disclosure of these documents would allow me to consider any claim I may have against their organisation and will allow the matter to be dealt with possibly without the need for costly litigation (again, if they give me details, I can answer the question THEY asked) On this letter I gave them a further two weeks to comply and asked that should they choose not to comply, could they please give their reasons in writing as to why. On 14 May I received a letter again from Chris Woollatt saying they were still dealing with this matter but it was taking them some time and could I be patient. On 22 May I received a letter from Neal Mehta, Chief Operating Officer, Group Customer Relations again thanking me for contacting them, apologising about the fact I have been so unhappy I have had to complain. That one of his team would be investigating my complaint and stressing the importance they place on customer service. To this date I have heard nothing else and as such feel I must complain on the following points. Alliance and Leicester contacted me about miss-selling me PPI, they asked me for a decision although they gave no account number and stated no figures. When I requested copies of my original signed credit agreements to allow me to work out where and why I had been given a PPI (if it was in the paperwork at all) they have decided to investigate their investigated PPI. No response to the documents I requested. When I again requested copies of the original signed credit agreements to allow me to answer THEIR question as to whether I was happy with the PPI they had miss-sold me (again, their wording) they decided to investigate the complaint, about the investigation, about their investigated PPI. This stalling is leading me to believe that they may have done one of the following. 1) They do not have the original signed credit agreement I have asked for a copy of (in which case why am I paying money to them?) 2) They have deliberately miss-sold me PPI and it isn't included in the documentation as I not only never asked for it, I actually stated I had no need for it (leading me to think it's an unenforceable loan) Your advice on this issue would be most welcome, as would an investigation into this matter to stop me from proceeding through the courts to highlight the great importance of Alliance and Leicester Customer Service. If you require any other details please let me know. Regards, Colin Mitchell Fingers crossed this turns out to be unenforceable.......

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, and I suspect the PPI is on the £12k loan.....so may be enough to clear the £4k one....

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??

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 me to update me...... Is it me or does this stink of time wasting? Do I move on to the next stage? I know it's the County Court in England, so is it a District Court here in Scotland? All help appreciated as we are now four months from them telling me they had missold me PPI......

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 saying they were looking into it, but no response from either their PPI team (that sent the initial letter) or in relation to the other account...... Any advice on where I should go? How long from the date of their response with no copies of anything I asked for should I wait? On a side note, I sent the same templated letter to Abbey about a loan I have with them, still no response.......straight to the next letter with them?

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 out they haven't but after reading the key facts illustration it states they use single premium PPI's, if so, they've added it to my loan without my knowledge and as such the loan agreement I organised isn't the one i'm paying, and to me that reeks of unenforceable.....with them trying to claw back their mistake without giving up the loan??? The other loans I have i'm requesting the CCA's just on the off chance they can't provide them.....

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?

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 trying to hold on to? If so, do i start the ball rolling by acknowledging their letter and requesting a copy of the original credit agreement before agreeing to anything? Also I seem to be having difficulty finding the template for starting the ball rolling with my other outstanding loans with no PPI issues (that i'm aware of), can anyone provide a link? Regards, G

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 trying to hold on to? If so, do i start the ball rolling by acknowledging their letter and requesting a copy of the original credit agreement before agreeing to anything? Also I seem to be having difficulty finding the template for starting the ball rolling with my other outstanding loans with no PPI issues (that i'm aware of), can anyone provide a link? Regards, G