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bob 3456

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About bob 3456

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  1. HI Thanks all, ive done the online request and i`ll see what happens.
  2. Hi Thanks for the reply but we don`t intend sending a PPI questionaire until we have a SAR . She had forgotten all about this account opened in the late 1980`s and still active in £2.00 credit. according to a letter she received from Barclays recently . Is the address we sent to the correct address for a DSAR request??? Also is it worthwhile sending the SAR (if i dont can she get a PO refunded at the post office)as i dont think shes used the card since around 2000 but she doesnt know whether PPI was on it. I suspect there most likely was . Thanks
  3. Hi , Im helping my mother deal with an old Barclaycard. We sent a SAR request a week ago to this address: The data Controller , Barclays Bank Plc One Churchill Place London E14 5 HP. She today received the letter back, with a Royal Mail sticker on with `refused box ticked`. Is that the wrong address or are they being obstructive???? Any advice appreciated, Thanks
  4. You said you paid off the card in 2011 but you have lots of entries right up to april this year??
  5. Hi Regarding the interest rate ,i brought this up with a FOS adjudicator in regards to a different sub prime lender. Ours states 11% var. on our original agreement but it has never changed in 10 years . The FOS say it is 11% and will remain 11% , i don`t understand this at all and question if these adjudicators know what they are talking about? Our balance is the same as when we started the loan (capital repayment loan) and interest charged has barely changed over the years .
  6. Thanks Caro i read that earlier :-)but cant seem to find anything aimed at the consumers and what it means from our point of view.
  7. Thanks but what about the responsibility between SPML and SPPL as i see it they are the same compmapny even if SPPL are supposedly in adminsteration under Price Waterhouse Coopers.
  8. Hi Id like to keep this separate from my other threads, but i`ve been constantly told by Acenden acting on behalf of Eurosail that they cant do anything as regards charges (or anything else) on our account before Nov 2010 when they supposed took ownership of our loan from Southern Pacific mortgage limited (also known as London Mortgage company , Southern Pacific Personal Loans ,etc......). I was furious when also told this by an FOS adjudicator as well . How can this be ? Southern Pacific Personal Loans Limited are supposedly in insolvency with an address in Leeds, but Southern Pacific Mortgage Limited also named on our paperwork appear to be still going (active and operating from 110-118 Union Street London.) Southern Pacific personal Loans limited (also known as London Mortgages) are described in our paperwork as the appointed representatives of Southern Pacific Mortgage limited. So i would assume SPML would be described as the parent company of SPPL (London Mortages) and so should be liable for the account prior to Nov 2010. Am i completely naive and wrong in thinking this?? Southern Pacific were responsible for alot of the charges /capitalised fees amongst other irregularities on our account. Is there any point in pushing for an actual ombudsmans decision when the adjudicators decision is something we feel is a ridiculous decision. Thanks
  9. Anyone help ,some one must be able to advise on the benefits of not of being under MCOB rules???
  10. today we received a letter from Eurosail saying that our second charge secured loan will from 21st March 2016 change from being regulated by the CCA1974 and the FCA Conc rules to the FCA MCOB rules . Is this a good or bad thing ?? It does say that they now have to apply any payments we make to any missed Contractual monthly payments NOT to anyway else. Thanks
  11. I specifically told her that if they ring to just tell them to contact me as i am the one dealing with it and then put the phone down. But shes too polite ! We have put in a formal complaint to Lloyds ,also telling them that we want anything that was discussed or said to be disregarded as she is not capable of answering the questions. We asked for this to be confirmed in writing. And they have also just sent a letter today still claiming that the card which is the subject of this thread doesnt appear to have had any PPI attached to it. and so they have closed the case. I got straight onto the ombudsman as they sent a similar letter a few weeks back . I included in the email to the ombudsman scans of three statements one from 2002. one from 2005 and one from april2009 the month before the ppi was cancelled. Is this typical behaviour from Lloyds ,how can they deny it as the whole of the statements barr the very first one from the period were included in the SAR request??
  12. I put in a further questionaire concerning an earlier loan PPI to LLoyds on behalf of my mother . We filled in the form giving me permission to deal with the claim. Do LLoyds have any right to ring my mother and ask for loads of details , when she can hardly remember what she did yesterday. Surely if its put down on the form that i am complaining on her behalf then surely any correspondance should be made with me??? She is not capable of complaining on her own. She was on the phone for 1/2 hour and can`t hardly remember what she told them or what they asked? Im fuming about it. Thanks
  13. Hi DX, Im having an awful time with the FOS trying to get them to understand what i`m claiming here. One of their advisors has split the case into two different ones one for the card and one for the loan. They keep sending emails saying as there is no evidence of PPI on the loan we might not be able to help. Ive sent all the details about the situation, taking advantage of my mother , ,etc... Leaving her with no money... spreadsheets for the card PPI carried into the loan but they dont seem to understand what im talking about. I really dont want to mess this up. Thanks
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