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Everything posted by Wolvesboys

  1. Hi, Trying to claim mis selling from Santander ( bought as A&L mortgage 1991). I have completed a questionnaire, they came back with it was another company who sold me the endowment, on submitting a request to them, they say an agency worked in their office, it has now ceased............... .Im struggling, I'm sure I've read somewhere whoever the mortgage/endowment policy is with, ultimately they are accountable by law, cannot find this anywhere now. Can anybody help me out with some advice on where to go with this please?
  2. Hi, Ive recently had an issue with Santander regarding an old Mortgage account from A&L days. They also said were unable to find any information relating to my mortgage. One of the advisor's did drop a nugget by saying Santander have a department who solely deal with "old A&L accounts" this may be just mortgages, not 100% sure. When i phoned and spoke to said department, low and behold, they had all the information about my old A&L Mortgage account, subsequently sending the information i had previously requested within my SAR. The A&L department number: 08000851590. Hope this helps and good luck
  3. Underwriters were Uk Insurance who are associated with Churchill who are associated with Direct line who are associated with RBOS. DAFS are the company who purchased Yes car credit ( yes owned by Provident), i have emailed the CEO of provident, hence the letter from Irwin.
  4. I have re attempted the underwriter recently, however they have come back say " The product/Policy referred to in your correspondence was sold by a company which is not part of the royal bank of scotland group" Any advice?
  5. Hi, thank you for your input. Are there any case studies/reference to the failed attempt against PPI for statue barred you could point me to please?
  6. Who would i complain to about his actions in place of FOS please? They have attempted that strategy, supported by FOS and FCA, unfortunately, hence why i have decided the MCOL route. Email was sent today, sit back and await the reply.
  7. Ive read that, all 18 pages and she pursued DAFS through the courts, couldn't see any mention of going after the underwriters. I have previously, it was declined and FOS were pretty poor in any support given, basically agreed with them.
  8. Thank you. Will have a play and see if i can utilise them. Thanks for all your help and i will keep you informed of updates.
  9. Thank you. Does anybody have a PPI claiming spreadsheet i could utilise please
  10. I utilised a spreadsheet for PPI reclaiming, just imputted the info i had to hand and that was the outcome. As you state positively it falls within MCOL stipulations, which i believe is £5000
  11. Thank you Mrs Hobbit Im in the process of constructing my response to them now, your help has been invaluable. Thank you again, will keep you all updated.
  12. Thank you Great information and the reassurances i was looking for. Im a man of action not threats, so yes will be complaint to the FOS about the solicitors response. Its in the region of 3500-3900 i have calculated, so fingers crossed.
  13. Please could you help i have been pursuing a claim for mis sold PPI against YES car credit/DAFS for a number of years, i bought the car in 2001, I'm not covered by either FOS or associated bodies. I have got to the stage whereby i have advised them i will be continuing my fight through the courts, on Saturday i received letter From Irwin Mitchell stating amonghts other things. I quote " It is our clients primary contention that any claim brought in respect of the agreement will fail as it will have been brought outside the statutory time limits for starting court proceedings. The agreement was entered into by you on 20th November 2001, almost 16 years ago, and therefore, according to the limitation periods set out in the Limitation act 1980, any claim arising out of this agreement is now out of time. There is other gumpth with, that I'm not to concerned about and this will be their scaremongering in an attempt to put me off. Would just like to understand a bit more about Limitation act 1980, I've had a look through, to which it states "6 years", however my complaint is not against the Loan per say, it focussed around the mis selling of PPI. I would be grateful if you could give me a direction i can take with this, as do not want the bastards to get away with it any longer. Once I'm successful, would be more than happy to share my finding on your site, as I'm aware I'm one of thousands in the the same boat with DAFS crooks. I believe they scan your site looking for such information in getting themselves ahead against claimants like myself.
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