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About chesterxx

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  1. Thanks DX, I will do as you suggest. Strangely though in my last letter which this is the response for - I did explain I had referred it to the FOS and included the reference number, so they know that I have referred to them. I will now write again with the SAR and mention that it is on the advise of the FOS that I have sent it, and that they have requested that I let them know details of what I am sent back. The most disappointing bit of this is where he suggests a way to move forward, I thought they may actually be reasonable at that point!
  2. So a summary of where I am at with this, any advice would be appreciated. 1. I wrote to SAntander regarding a loan I had with A & L that I definitely paid PPI on (Dec 16). 2. They replied saying that they can't find any details and that I would have to provide more details, I called to discuss and was told that they would have details of loans from that period but they would be in paper archives and too difficult to locate (Jan 17). 3. I write to them with exact details of the dates and loan amount, including repayment details (May 17). 4. They write to say that they still can't locate details and asked if I have proof of the loan, repayments and/or PPI being paid (june 17). 5. I report to the Financial Ombudsman Service to ensure that the complaint doesn't go past the 6t month period, receive complaint reference etc (June 17) 5. I send santander bank statements showing the loan being paid into my account and repayments coming out of my account (July 17). 6. Last week I receive the attached response. I am going to send a SAR into santander as recommended above (Thanks DX) - but am fearful that they will respond without details of the loan, would there be any other way I can try and get them to find details? Unfortunately my bank statements from the time of the loan and my bank itself say they are unable to locate any reference numbers to do with the initial loan going in and repayments coming out of the account. As I say any further advice would be appreciated. Thanks
  3. Hi, Yes santander bought out A & L so they are the ones to pursue a PPI claim against A & L with. Cheers Gary
  4. Thanks dx; that will be my next move if they still can't find it.
  5. Hi guys, Update on this. I did the SAR to Natwest and have been sent bank statements that show the loan from Alliance and Leicester going in; have sent Santander another letter with the date of loan and the correct amount etc. I will do a SAR to santander if they don't come back with anything, thought when I queried SAntander saying they couldn't find any information on the A & L loan I was told that they would have it somewhere but in paper archives and they are unable to go through them all to find the information. I am awaiting their response from my updated request and go from there. I will update this in due course.
  6. HI Maroon & dx. I actually didn't send a SAR to either organisation, though in the case of Santander I did give them details of my old address. Perhaps it would be worth my while sending the SAR's to both of these? (And also Egg C/O Citibank that I recently send the PPI document to for an old egg loan/credit card from the same period.) Just shows the importance of retaining documents to do with loans etc as I'm sure if I still had the documents or at least account details I would find this all a much simpler process! When sending a SAR do I need to make it clear that I want any information regarding to companies that they have taken over too, or does the request cover anything that they have on any systems/databases etc? Thanks
  7. Hi guys, I have recently contacted Santander regarding an alliance and leciester loan which was taken out about 2004. I have had a response saying that they are unable to locate an account, product, or PPI policy based on the information provided and as such they will not be upholding the complaint. As my own memory of the loan is sketchy other than the amount and the fact that I did pay PPI (I was told at the time my application would likely be unsuccesful without taking PPI); I was wondering if there is any other way I may find details. I have no paperwork left to do with the loan, and the bank account that repayments was made from is long closed down (Was with natwest I am going to contact them to see if they still have any records), the loan is also long gone off my credit file. Any assistance would be greatly appreciated. Gary
  8. Yeah they have wrote to me a few times, i ignore all correspondence, but the reason i put the thread up is that I can't believe its allowed that they can send an email tol a generic work email address with my personal information on the email.
  9. Thank you, anymore advice very welcome, I may report it to the ico then?
  10. Surely this is a breach of Data protection? that is what i am thinking? With regards the amount owed, I borrowed £100 off minicredit years ago, and now it is somehow 950ish, I have never had a breakdown of how the amount has ballooned!
  11. Hi, no I have never given them any company email address, though perhaps gave the company name as the name of my employer, the email address they have had and used in the past was a personal one. The email was as follows: Our Ref: XXXXXXXX Debt Type: KAXXXMA CRXXIT Client Ref: OPXXXXXX Balance: £950 Telephone: 0XXXXXXXXXX (Calls are recorded) Failure to respond to our Notice of Intent Dear Mr XXXXXX XXXX As you are aware the 7 day Notice of Intent we issued against you for the outstanding loan you took with Minicredit, has now expired. The debt remains registered against you on your credit file as a defaulted and unpaid, and will remain in place till paid, this will stop any further attempts by you to gain future credit for a period of years. Maintaining payments or settling your account will be positively reflected with the Credit Reference Agencies, and will be updated with every payment made. In the Notice of Intent we issued you we offered flexible repayment solutions that would meet your needs, and we were prepared to discuss alternative options available for you such as a reduced settlement figure to clear your debt. Please be assured that we will take your financial circumstances into account when discussing and arranging any repayment plan to ensure suitability and affordability with your best intentions to heart. We asked now that you take the first steps by contacting our office on 0203 096 5899 or email us on stating the amount you could afford to pay, the frequency and the start date, we are also happy to deal with an authorised third parties, and have supplied non fee charging charitable organisation that can help you with your debts at the bottom of this email. If you wish to stop the further action that we are licensed to perform and been employed to take against you then please contact our office to arrange an affordable resolve to this debt that best suits you. Make today the day you start putting your finances in order. Yours sincerely Mr XXX XXXXX Collections Manager XXXX XXXX XXXX XXXX XXX XXX Main Line XXXXXXXXXXX (Calls are recorded) DPA Registration NO: 285 8625 Authorised and Regulated by the Financial Conduct Authority in respect of consumer credit regulated accounts . Interim Permissions Reference Number 641186 Registered Office 1 Golden Court Richmond Surrey TW9 1EU Need Help or Advice If you are in financial difficulty or are struggling with debt, you can get free advice and help by contacting National Debtline on 0808 808 4000 or Step Change Debt Charity on 0800 138 1111 or Money Advice Services on 0300 330 2222 Please note if you chose to communicate with Hellix Limited by email, unless you advise us otherwise, we will accept this as your consent to use your personal details to contact you by electronic means (email) with information about your account(s) which may include collection activity, negotiations and other services and products. You may call our Head office on 0203 096 5899 during office hours to discuss your account. Hellix Limited is a member of the Credit Services Association. The Credit Services Association (CSA) is the only National Association in the UK for companies active in relation to unpaid credit accounts, debt recovery agencies, tracing and allied professional services and has a history dating back to 1902. The information contained in this message is private and confidential and is intended for the addressee only. Any unauthorised use, disclosure, copying or alteration of this message is strictly forbidden and may be illegal. If you have received this message in error please notify the sender immediately. Hellix Limited will not be liable for direct, special, indirect or consequential damages arising from any use or alteration of the contents of this message by a third party or as a result of any virus being passed on. Hellix Limited reserves the right to monitor and record e-mail messages sent to and from this address for the purposes of investigating or detecting any unauthorised use of its system and ensuring its compliance policies are adhered to.
  12. A debt collection agency has sent an email regarding an unpaid payday loan to a generic work email address (info@xxxxxx.com) - I am a director of the company but these emails do not go to me, so have now probably been read by quite a few members of my staff before someone forwarded it to me, The email contains my personal details, as well as details of the outstanding amount £985 (the loan was £100!) - surely they cannot send details of all this to a generic email address at my company?! Anybody got any ideas how I should deal with this please?
  13. HIya, Yeah I have spoken to them and they have now found the payment (You are right it was sent whilst the payment was missing). But so far they seem unwilling to budge, apparently they are applying for the warrant at 5pm tomorrow so she has said for me to ring her tomorrow with a proposal for for clearing the arrears (It seems that the rent + £30pw isnt enough though it is alls that I can afford). I think she wants me to reduce the balance before they would accept that proposal but the problem I have is that in reducing the 2k arrears it would mean lending money which I'd then have to pay back meaning I couldn't afford the same installments!
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