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About davethered

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  1. thanks for that mate, i called and got the ball rolling, i hope. had a little go on the spreadsheet last night with the one agreement i have, the monthly premiun for PPI 26.96 payable over 48 mths. so would i claim for 48* 26.96 + the total of the 8% interest that the marvelous bit of kit works out for you if the loan was repayed in full? however they closed my account and some of the loan is still withstanding. (which i will repay) so do i just claim for the actuall payments that i made, say for example 15 * 48 plus 8% on payments made. any advice is greatly appreciated thanks dave
  2. ok thanks mate, i'll give them a call.
  3. Thank you brigadier it will be sent first thing by recorded delivery There was obviously enough info in the first request so they just bought themselves another 40 days. Thanks again
  4. yes brigadier the returned my £10 postal order and this is what i requested. Iunderstand that you currently hold details of my personal and financialinformation within your internal record systems with regard to personal loanaccounts And credit cards Pleasesupply me with a complete list of transaction and charges relating to myhistory with your organization, INCLUDING Loans and credit cards, payment protection insuranceand other products. Alternatively a complete set of statements for the accountsor associated accounts is acceptable. I would be grateful if you would providethe following for ALL accounts or associated accounts I have held with yourorganization: -Fullcopies of all contracts which you believe exist or have existed between myselfand your organization, including true copies of any documents you hold insupport of the same. - Acomplete list of all transactions or statements relating to ALL of my LoanAccounts and credit cards with your organization. -Copiesof all documents which include any of my personal information including copiesof any contacts or invoices, emails or computer records containing my personalinformation, or any records which pertain to this information. -Fullcopies or transcripts of any correspondence in postal, email or any otherformat which you have entered into with any individual, organization or thirdparty which contains my personal or financial, or which pertains to me. -Where any previous information or records held have been deleted or disposedof, the methods used to do so, including dates, certificates or referencesconfirming details of destruction. Where you are unable to provide suchcertificates, please provide a declaration, signed by an authorised officer ofyour company, confirming the dates and methods of destruction of this data. -Fullhard copy print outs of my personal or financial information, held in adigital, magnetic or any other format which is held in any archives, backups orother storage devices / locations. Ienclose a cheque in the sum of £10 to cover your fee. IFYOU UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIATELY FORWARD IT TO THEPERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROCECTION. Ilook forward to hearing from you in the first instance of receipt. i wouldv'e thought that covered everything. I sent an sar back in 2009 and all i recieved was the loan agreement from my most recent loan in 2007 and an apology for not being able to find documentation another two loans, one taken in 2000 and one 2004. which is probably why i didnt follow it through. cheers guys dave
  5. Hello guys. I have just had a response from the Natwest to the SAR i requested on the 15/05/2012. basicly all they given me is a small table of the 6 loans i have taken out since 1995. which includes start date of loan, account number & sort code, the amount of the loans, closing dates, and the insurance premium (at outset of the loans). I think this is just a way of delaying the process as it says its only a summary, and if i still require a full SAR or copies of the agreement to send back the £10 payment and to let them know what i need. dont get me wrong but wasn't that covered in the original SAR! Dont i need to know the APR, the monthly payments etc. The total sum of PPI paid is £5735.00 plus the 8% interest and without the information i have no idea how to work it out. Is there a template letter i can send them, or is there anyone else who has dealt with this situation out there that can give me some advice on my next move. any advice would be greatly appreciated. thanks guys. dave
  6. Thanks for the advice. I just printed LBA off, let you know what happens. cheers Dave
  7. I think 1 was in 2002 and the other was possibly 98 or 99.
  8. Hi guys, just had my personal data letter back from Natwest. I have recieved docs for my latest loan in 07, but it goes on to add. Unfortunatley, I was unable to find loan documentation for the following loans: xxxxxxxxxxxxxx xxxxxxxxxxxxxx Is this just stalling tactics? and whats my next move to get the details of said loans? Any help would be appreciated, thanks Dave
  9. Thanks for the advice. i'm prepared to sue but dont i need to find out how much for?. Do you have the link for the 7 day LBA.
  10. hello, i sent the principality a sar for missold PPi on a mortgage, on the 31/7/09. I've had no acknowledgment from them only the recorded delivery telling me it was recieved on the 5/8/09. The 40 day deadline is up today. whats my next move? do i report them or send another letter allowing another 7 days? thanks dave.
  11. thanks for your advice. i have my statements, does anyone know where i can download an interest calculator?
  12. hello everyone i made a successful cliam against the nat west in 2006. since being made redundant last year they have been charging me quite a lot lately. would i be able to make a second claim for the same account? thanks dave
  13. hello. Does anyone know the address where to send the S.A.R to the Principality. i'm think of claiming back PPI i paid on a mortgage. thanks dave
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