Hi everyone this is my first post here so ill start at the beginning,
when i was younger i had several loans from natwest and one rolled into a bigger loan several times over the years,
after contact rbs they said i had 5 accounts with them and that so far they had one loan of £4.5 with an offer of £170 (like 4%) ,
then another account was 10k with £1900 offered (19%),
then an £11k one still awaiting an offer
, then an 18k one still awaiting offer.
the last one was £1700 loan with no ppi so no offer.
Heres where it gets interesting
i was sold the ppi as you had to have it to get a loan with them and that in the event you were off work it would pay your loan until it finished or you went back to work
, this however turned out to be false as i found out when i had a back injury was off work and the ppi ran out after a year leaving me with a loan to cover whilst not working which lead me to going bankrupt,
being bankrupt then made it difficult to find work ( no banking industry ) and even when i ended up working for an insurer the highest level i could be employed at was the job i had at £21k pa, the next job up was £36k (which is what i should of been doing) so i lost out on 15k per year when i went back to work.
Now i see that as some sort of damage (expectant measure, reliant measure, liquidated damages or professional negligence .) so in effect from me returning to work in 2009 (bankruptcy 2008) that until 2014 this was being held against me in terms of jobs and salary.
Could i claim 5 years at £15k a year loss?
Now that the bankruptcy is discharged will any payment from them go to me or insolvency people?
My next step will be to SAR them before accepting any offers they have made or will make.
is there any time frame for the SAR to be carried out by them?
and how long do you have to accept an offer.
thanks for your help