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goose21

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About goose21

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  1. OK, I have now received some stuff from the bank. Unfortunately, as I expected, they have supplied very little (if any) useful info. They claim that they have sent the personal data they hold on me based on the information I provided. They haven't supplied any transcripts of any telephone conversations They haven't supplied any information relating to the opening of the account They havent supplied any information relating to any manual interventions and the reasons for these They have however supplied just one brief case history note but that relates to a fairly minor issue. S
  2. OK, many thanks for a swift response.
  3. I sent a SAR to my bank ages ago requesting all the data they hold on me including details of all manual interventions and correspondence such as transcripts of telephone conversations with reference to my loan account. The bank pretty much refused to honour my request. After waiting 40 days, I sent them a Letter Before Action 3 weeks ago (contents copied below). The letter wasn't delivered until 6 days later and the bank then sent me a response (dated 7 days after they received the Letter Before Action) which I recently received. The response (see attached) was fascinating for the follo
  4. Trust me, it's difficult to do without revealing some sensitive stuff. Such is the way this document is set up.
  5. Steven, I appreciate this isn't clear from the edited version I posted but the agreement clearly states at the top "Fixed loan sum regulated by the Consumer Credit Act 1974". I had to cut this top bit off as it was difficult to show it without revealing some sensitive details. Apologies. The CCA is also mentioned in the T's and C's.
  6. Paul, on the interest rate tracking, the bank wrote me in a subsequent letter when I requested clarification on the terms and conditions stating that: "Your existing loan is set at 4.25% above base rate (works out to 9% at the time the loan was taken out).... The benefits of this loan structure is that you can redeem the loan before its scheduled term date without incurring any early repayment charges..... Another feature of the loan is that if the Bank of England base rate decreases then your monthly repayments would do as well". The Bank now claims this was never on offer and tha
  7. Thanks Paul. What if the agreement clearly states that it is regulated by the CCA 1974? I appreciate this isn't clear from the edited version I posted but the agreement clearly states at the top "Fixed loan sum regulated by the Consumer Credit Act 1974". It is also mentioned in the T's and C's.
  8. Thanks for looking at this steven. The loan is actually by a major bank which is surprising. I am thinking of suing but am worried that I might struggle to find a good solicitor willing to take this up as it is above the £25,000 mark. If you'd like, you can view the loan agreement here: http://www.consumeractiongroup.co.uk/forum/general-debt-issues/202233-bank-lies-about-loan.html
  9. Hi paulwlton, I just posted it again above.
  10. A loan agreement for an unsecured personal loan taken out before 2007 for over £25,000 clearly states that it is regulated by the Consumer Credit Act 1974. However, I know the act exempts pre-existing loans above £25,000 from regulation. Does this mean that the loan is not covered by the Consumer Credit Act even though the loan agreement says that it is?
  11. Thanks SMOUK. I hear the FOS are clearly determined to ignore evidence and it doesn't sound like they are keen to help consumers very much. I'm not sure it's a good idea to rely on them.
  12. True, no signatures. I think I remember signing something from memory. This copy was later sent to me by post incorporating the cancellation form. I suppose I need to find the signed original. What happens if the Bank can't provide this?
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