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  1. Hi all, I had a loan with the A&L about 14 years ago and no longer have any paperwork! I filled out the the PPI query form on the Santander website and got a reply back from them saying they can't find any information about my account. I have since managed to find bank statements that the loan was paid into. I'm just wondering if it is worth me doing an SAR with Santander or getting back in touch with them with the dates and payment amounts of when I paid the the loan back. I'm thinking that surely that they would have the interest rate that the loan would have been
  2. Hello I am just about to commence a PPI re-claim on an old Alliance & Leicester personal loan. There appears to be a number of addresses to where the SAR letter should be sent. Can anyone please confirm which is the best (correct) one to use. The options I have are:- Customer Services, Santander Consumer, Santander House, 86 Station Road, Redhill RH1 1SR. Alliance & Leicester Personal Finance Limited Building 3 Floor 2 Carlton Park Narborough Leicester LE19 0AL Santander (Abbey, Alliance & Leicester) Abbey National House 2 Triton
  3. Hi All, Hope you're well and a very Happy New Year! A while ago, I helped a friend with her Santander (old Alliance & Leicester) loan from 1999. She was (and still is) unable to work, through illness. We sent a SAR to Santander, who admitted in writing that they don't have the original loan agreement - as it was before April 2007, then they need it for recovery/court action. The only correspondence from Santander since then has been a yearly statement of account. That was three years ago. She could really do with some funds at the moment to help wit
  4. Name of the Claimant - Arrow Global Guernsey Limited Date of issue – 13th October 2017 What is the claim for – 1.The Claim is for the sum of £5984.20 in respect of monies owing by the defendant on a credit agreement held by the defendant with MBNA under account number XXXXX under which the defendant failed to maintain payments. 2. A default notice was served upon the defendant and has not been complied with. 3 The balance owed was assigned from MBNA to the claimant and the defendant has been notified by letter of the assignment by letter. What is the value of t
  5. Hi guys, I have recently contacted Santander regarding an alliance and leciester loan which was taken out about 2004. I have had a response saying that they are unable to locate an account, product, or PPI policy based on the information provided and as such they will not be upholding the complaint. As my own memory of the loan is sketchy other than the amount and the fact that I did pay PPI (I was told at the time my application would likely be unsuccesful without taking PPI); I was wondering if there is any other way I may find details. I have no paperwork left to
  6. Evening all, I'm after some advice and please forgive me if this has already been answered. I'm using my mobile and it's not too easy to navigate/search on here to see and it's been many years since I last posted on here so I'm a bit out of touch with processes/etiquette. I've received a letter from Santander relating to a PPI claim that I opened quite some time ago and didn't proceed with. I was told at the time that there is no records relating to my account because of its age. The credit card was taken out with Alliance & Leicester very early 2000 and was taken over by
  7. Hi All, Just a word of advice....... If your ever are unfortunate enough to be hit by a driver insured with Royal Sun Alliance, Please make sure you DO NOT LET them try to resolve it even if they admit full liability..... Our parked car was hit by a RSA Client and you wouldnt believe the hassle we have had and is still on going...... * Failed to provide a loan vehicle due to various reasons (staff shortages / Needing to see the original cover note before letting you take car away but they couldnt confirm details of loan vehicle until we got to their pick up point, which m
  8. Evening all, Is it true that there is a 6 year time limit on all unfair bank charges? Over a 2 year period with A&L my partner and I racked up over £1k of charges, which looking back on it caused us quite a bit of financial difficulty. These charges were from 08/09. Is it far too late to pursue anything? Also, i have copies of the statements detailing these charges if that makes a difference. Thanks in advance Daniel
  9. Hi i wonder if you could help/guide me I have a charging order on my property for £10,750 from 2006, it was applied by alliance and leciester for a 10k loan I took out for my exgirlfriend (girlfriend at the time) for her parents company and they couldn't get credit they had the money in 2004 and ended up not affording it and missed payments and I couldn't afford it or get credit so it ended up a charging order as I buried me head in the sand as was only 20-21 I never knew what it was at the time, I am now trying to get a bigger mortgage before moving and this
  10. Hi all,sorry if this is the wrong place to ask but i didn't know where else to ask so i hope someone can help me with this. i used to have a joint (with my ex husband,he's deceased) mortgage with alliance and leicester, i know they don't trade anymore but i want to get an sar. my question is what address do i send it to?, is it with the bank that took over?
  11. Hi, I'm new to all this type of stuff so I hope this is of interest to some of you. I have recently heard from a friend of mine that his local vet has been told that all royal sun alliance backed policy holders will now have to have pre approval for specialist treatment and they can only go to a chosen RSA supplier or there will be financial consequences in addition to the excess. IS it just me or does this sound like they are going down the same route as the motor insurance trade where you have to go to a "preferred supplier" and not the one you want to use. What I don't know is ho
  12. This judgment might be useful where there is a shortfall after a repo'd property has been sold. In this case the lender took the ex-owner to court for it. It wasn't allowed as they'd already got a judgment for the money. It may have been over 6 years old, but the lender was refused judgment as it was an abuse of process due to the money judgment when the property was repossessed. Whilst County Courts Judgments do not set precedents, used properly it could be classed as persuasive. [ATTACH=CONFIG]57724[/ATTACH]
  13. Good Morning I wondered if some could help me please. Firstly, we are looking to move house and therefore need to sell and apply for another mortgage, this is why I am forced to sort the problem I have with A&L and Santander. Originally we had a CCJ with A&L in 2007 and agreed payment of £small amount a month, at the time we had both lost our jobs and that was all we could realistically afford. The solicitor ask for costs and interest to be added and I specifically remember the judge saying no. When we got the court payment work through, the paperwork did not
  14. Hello folks, I need some advice in regards to an ongoing issue I have with UKLA: UKLA have placed a default notice on my account without any notification about this in written format UKLA have a plan in place for me to pay off the loan I have with them at £25 a month, however on a regular basis the account number changes etc and I'm left with notice of this after sending funds I've had two months of payment returned to me without any notice from UKLA why this is, they've added late fees and interest to the account while failing to contact me. I've asked for a full break d
  15. Hi guys, I'm looking for a bit of help for myself with regards to a PPI claim against Santander/A&L. I have a feeling I may be too late to deal with this but you never know. I first launched a claim for this last year and received the ''get lost'' letter in August. From the start I told them that the claim was for a card from A&L that was terminated around late 2004. They then sent back the letter stating that I had nothing with them in the previous six years, something that I had already told them. I then spoke to them and was informed that according to t
  16. My OH had a unsecured loan with A & L in 1995 in which she settled early but recalls that in order for her loan being successful ppi was added. It wasn't a large loan but nevertheless she paid monthly ppi premiums for about 3 years. The problem being is that she cannot locate the original agreement details but does have a couple of letters in relation to early settlement and rebate figures with loan account number and old address details. So she sent off the usual SAR letter to Santander and has now received the attached response. Has anyone received one of the same or is
  17. Hi, I hope someone will be kind enough to enlighten me on the current situation regarding unfair credit card charges. I have received some old statements and on reviewing, there are various over limit / Late Payment charges for £20 from 2005 - 2006. Can I still attempt redress from A & L or am I too late ? Cheers
  18. I've defaulted on a loan with the above company after finding myself running very low on funds on a monthly basis. I had an arrangement in place for £51 a month but because of a repeated issue with them taking more than this a month I cancelled their payment authority on my account, despite this they still took payment every month which my bank reclaimed from them. At no point has CC/UA called me, emailed or sent me a letter to discuss this. I contacted them at the start of this month and made them aware that my circumstances were not good and I needed to make a much lower paym
  19. Just watched the video on how to post so i went to welcome to the consumer form trid to post and it said i have to post in the right section which section relates to the consumer credit act 1974 and 2006
  20. Hello. I know I'm going back in time here, but I think when I opened my A&L Premier Direct Account online in Feb 2007 the deal was a free o/d facility. I notice that I have been charged £5 by Santander since 2008. I'm sure the free o/d (up to its limit) was for life, but Santander insist it was only the first 12 months. Who is right?
  21. Hi, I have 2 credit cards with MBNA: Alliance & Leicester opened July 2005 and Thomas Cook opened Sep 2005, because of financial difficulties in 2006/07, these debts have now been sold on to Link Financial. I am planning to make claims for PPI and charges on A& L and charges on the TCook card. I sent off and have received the SAR details from MBNA but they have only included computer printout lists of transactions, not full statements. As I paid the £10 fee, which they never cashed, I requested the statements but they want £4 per statement, so I have requested them
  22. hi guys - just need to run this past folk who are more knowledgeable I am thinking of starting a PPI claim against A&L, just need to know if it's worth it? I have a copy of my original credit credit agreement from when I took out the loan in 1998 which outlines payments, duaration, interest, PPI payments etc. Everything was fine until I was made redundant in 2001, after which time it was passed to a DCA. Subsequently dealt with DCA and paid off arrears, but during this time I was sent a letter by A&L in which they state they were cancelling the protection
  23. My solicitor asked me to try, i may be lucky to ask the public: is anyone got motor insurance with Royal and Sun Alliance and was able to get motor insurance with a CU80 motoring offence around May 2011 ?? Much appreciated for your reply.
  24. could anyone tell me the correct address to send a ppi claim to allience & leicester i.ve been told theres a different address to send your claim to other then their head office.if anybody has an address would be grateful for the info:?:
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