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techcherry

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About techcherry

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  1. Hi I had a 2004 1st national loan, ( which back then belonged to ge money), and even with the original paperwork, and after been sent/forward to santander as they seemed to have bought they portfolio, and after getting an answer the account is too old we don't have the data anymore- even though I sent them a copy of original loan agreement, I try through fos, which also said they were in favour of the lender, |I just felt so discouraged that I just quit, this was over 18 months ago, is there anything I can still do? Many thanks
  2. Hi hi Sorry don't know if its right tread I had a 2004 1st national loan, ( which back then belonged to ge money), and even with the original paperwork, and after been sent/forward to santander as they seemed to have bought they portfolio, and after getting an answer the account is too old we dont have the data anymore- even though I sent them a copy of original loan agreement, I try through FOS, which also said they were in favor of the ;ender, |I just felt so discouraged that I just quit, this was over 18 months ago, is there anything I can still do? Many thanks
  3. Hi Guys Need your help and advice. I had some old loans with PPI sold by welcome, for which I both was able to claim my PPI! Not just we were told that we had to take those policies as our credit history in the uk was almost non existent, to be able to get the loans! This loans were taken with my ex partner, which now is trying to claim, but they saying that the policy was only to cover the 1st named person, whcih was me, however we both clearly remember that we disclose to sales person my serious liver condition, and we were assured that we were both cover, as stated verbally
  4. Thanks once again i will keep you guys posted!!
  5. Hi thanks for the reply. Yes I sent black horse and Lloyd's ( as it belongs to the same group) but I am afraid the reply will only contain after 2010 loans as the answer from the phone call I had with them was that they only could go back 8 years, is this the case? Will the bank statements requested under the SRA will have to show the payments and references numbers made? Thanks once again
  6. Hi guys A quick question... I am trying to find out all the agreements numbers from pre 2010 loans I had- personal and business accounts( because for i.e black horse only says it can only go back 8 yeras), I tried through a normal credit report-experian - i see the loan history but no agreements numbers, i tried a full SRA from equifax which i got today, but no agreements numbers, i did request full SRA from the banks which i am hoping it will give me reference/ agreements numbers on the statements but if not what can I do? Is there any other way, becaus
  7. Thanks for the quick reply. So i just use the sar template from your library under the new rules and just give them my personal details with all the different addresses i had since 1996 and thats it?
  8. Hi I wonder if any one can advice me related to a few questions i have to initiate a ppi claim. I know I have made since 1996 different loans for car/vans and motor bikes finance through black horses, and I am sure I have PPi on them up to 2010. After i phone them to ask for the reference number to initiate ppi claims, they told that they could only go 8 years back even with a Sar but to go to the bank where the loans were being debited from and see the reference numbers- which i tried but the online statements only go back up to 2014 and 2011, so my question are: What can
  9. Hi First I have to thanks to the users of this forums because it thanks to much of the info I got from here that I was able to claim a few PPI £!! I finally manage to claim some of the PPI that WELCOME has misold/forced me to take with a few loans I had with them over a few years, even though pre 2003 they referred me to the underwriter - AVIVA, for which now I am waiting for a reply. My question is related to a worthless healthcare insurancce that they package together with the PPI, even after I had disclosed that I suffered from several health problems, which would make imposs
  10. Hi Sorry for the delay on answering. Yes I believe the answer is to SAR santander cards, once they are the owners now, however in my case because I have the original credit agreement, where it clearly shows the PPI premium I will be writing a new complaint to the FLA= finance & leasing association, this because the reply letter from Santander cards stated that they closed the complaint and referred me to the FLA, where in the complaint I will proof the payment and mis-selling of PPI, through the presentation of the original loans documents, even though in my case with Santander card
  11. hi Thanks for the quick reply. So, £10 cheque enclosed made to santander with the template letter, with the added line requesting all the accounts? Yes I did sent them a FOS ppi form filled, and my mise-selling was because I was never told it was optional, or that I didn't have to take it, actually I was told that I had to take it to get the loan!
  12. hi all A the beginning of july 2012 I wrote to santander cards related to 2 loans I had pay off with first national. The loans were made the 1st in 12/2001 with £ 33.99 per month with a time span of 48 months, this was to buy a PC from the extinct TINY computers. For this loan I remember like it was yesterday I was told I had to take the PPI otherwise I would not get the loan. I still have the initial letter they sent me with the detalis of payment and loan, but I did not mention any PPI, I know I bought the PC for £999 and the interest or was 26.9% or 29.6, but I am sure it had PPI.
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