Well hopefully yes, will get nothing from 1 of the Loans but hope for another yet as now Paragon have admitted that they had full control of one loan and misinformed me of who sold me the PPI on it. They still say it was before 2004 and wont pay but i have sent the letter to FOS today also.

Well i just got back from 2 weeks holiday to a great letter from Loans.co.uk. They say they are upholding my claim with full interest to date. I had to fill out an authorisation letter and send it back to them. I did that now i just have to sit back and wait for there offer. RESULT! for now! Will update when offer turns up.. So that's not bad, 2 months from the start of the claim.

Busy day today, had a response from Loans.co.uk today. Telling me they will be looking into my complaint and will respond in 28 days. They have sent me an authority form to fill in and complete... Do i do this?

A very quick response from FSCS regarding Flexi Loans PPI claim. As it was sold before 2005 they will not even open a case for me.. So that will be that, i will not get a penny off that loan, unless anyone has any ideas?

Awesome win, let's hope i and others are this successfull.....

Ok had a response from FOS. They agree with Paragon that it is the brokers i need to go after and not Paragon. FOS have written to Loans.co.uk and have told me i must go to FSCS because Flexi Loans don't trade anymore. They have never heard of Gel Seasonal Mailings so i am at a dead end with them. Any ideas (broker from Paragon)?

So you reckon a phone call or just wait and see? By the way, for anyone needing it in future the phone number they have given me is: 0870 240 0990 stated as the Customer Service Department.

Got a response from HFC this morning saying i will have my SAR information within 40 days dated 29/5/2012. I sent the letter on 10/5/2012 is the 40 days from my date or theres? I have a phone number provided by them, shall i call and suggest its from when they signed for my SAR letter?

So do i just send all the info to the fos that i have sent to Paragon with a cover letter?

So is my next step the fos?

I have today received a response from Paragon: As advised in our letter dated 15 May 2012. Paragon was not responsible for selling a payment protection policy to you. The broker was responsible for the sale of the loan, the sale of insurance was not regulated by the FSA and i suggest that you contact your local Citizens Advice Bureau directly, if you have not already done so. I trust that this clarifies our position in this matter. Not what i was hoping for.

ok thanks

Thanks ims, i have looked at it but it says to put your account number as the reference. I dont have any account numbers, thats my question

I have still not received any response from Black Horse - SAR sent 25/4/12. I know they still have 12 days to respond but i want to get my letter ready. As i do not have any account numbers how do i ask for the info again? This is my letter so far what needs adding? Dear Sir/Madam Account: xxxxxxxx You have failed to comply with my Data Protection Act Subject accessrequestdated 25th April 2012. If you do not comply within the next 7 days I shall seek a Court order obligingyou to do so together with damages at the discretion of the Court and withoutany further notice.

Ok both letters 1 more to Paragon and 1 to loans.co.uk were signed for this morning and POD has been printed and added to my file. Lets see what kind of response i get from Paragon this time. Also be interesting to see loans.co.uk response to my claim....

Ok will do... Is there a certain address to send the SAR too at Santander?

HI All, I currently have a mortgage with Santander. I have had 4 different mortgages with them over the past 12 years. Not sure if i had protection on them or not. I know i have to send the SAR for information held on them but do i still need to send the £10 cheque as i am still a customer?

cool thanks... again will keep you updated of any responses i get.. Until next time..

ok to something more like. Please find enclosed copies of questionnaires and interest calculations regarding a loan that we have had with your company in the past, with what we feel was miss sold Payment Protection Insurance. Please arrange for us to be reimbursed for our claims. In addition I am aware of the fine your company was handed for the miss selling of PPI and I attach the report I have read

ok Did you have a look at the attachment on #48 and the letter on #50.. Do they seem ok to send??

Should i tell Paragon i have changed the date of interest in my letter and that i will expect interest added up until the date they pay me? Or is that too pushy?

Should i also now change the date of Interest on all 3 calculations to today instead of 7 days ago?

Sorry found out that Flexi no longer trades.. Is this ok to send back to Paragon: Dear Sirs, Thank you for your quick response regarding my initial letter dated 10/05/12 to which I have once again attached all documents including your response. I would like to dispute your findings on the basis if S56 of the Consumer Credit Act 1974 which effectively makes the lender responsible for the representations made by a broker Once again I request you arrange for us to be reimbursed for our claims.

Is the attach letter ok to send to Loans.co.uk Loans.co.uk Cover Letter regarding Claim 170512 for CAG.doc

Flexi Dissolved in 20/07/2011 http://wck2.companieshouse.gov.uk/739c942636bf08581c939d419300a975/compdetails