Clever people - bank sent barrister

[jg69]

Hi guys

 

Clever people to calculate.

 

PPI was 720

Additional Charges - not sure what for - 250

 

Total loan 11,900

 

Credit agreement for PPI - in their view they laid it out nicely and I only paid £15 - which in my opinion is not true

 

It is an front end loaded single premium policy - how do I work out the true cost though as the bank are not supplying me this.

 

Usual stuff was told it was part of the loan - I had to take it out.

 

 

They sent a city london barrister when amending my case to court to try and throw it out. The bank have now withdraw the document from their regular solicitors and decided to deal with it in-house with their legal department and have set out a four page defence, denying everything.

 

Any help with the charges would be appreciated and the misrepresentations act - what angle laidens the burden of proof on the defendant and to force them to show me the true costs. The denial is simply unbelievable

[di0430]

Hi guys

 

Clever people to calculate.

 

PPI was 720

Additional Charges - not sure what for - 250

 

Total loan 11,900

 

Credit agreement for PPI - in their view they laid it out nicely and I only paid £15 - which in my opinion is not true

 

It is an front end loaded single premium policy - how do I work out the true cost though as the bank are not supplying me this.

 

Usual stuff was told it was part of the loan - I had to take it out.

 

 

They sent a city london barrister when amending my case to court to try and throw it out. The bank have now withdraw the document from their regular solicitors and decided to deal with it in-house with their legal department and have set out a four page defence, denying everything.

 

Any help with the charges would be appreciated and the misrepresentations act - what angle laidens the burden of proof on the defendant and to force them to show me the true costs. The denial is simply unbelievable

 

 

Hi there.

I would sent them a S.A.R - (Subject Access Request) request, there is a template on this site for this, you pay £10 say in Cheque payment, they have 40 days to comply to this, where they must send you EVERYTHING they have on you/Account, with a bit of luck the figures etc should also be provided in with this request.

 

I would give it a shot and see what comes back, this way you can also check any breakdowns and calculations and so.

 

We recommend you send this by recorded delivery - this can then be checked on the royal mail website - (Track and Trace), they cannot deny receiving your request.

 

If you require further info on this, shout back and someone will get back to you as soon as they can.

 

Di.

[deb4tlj]

Hi there.

I would sent them a S.A.R - (Subject Access Request) request, there is a template on this site for this, you pay £10 say in Cheque payment, they have 40 days to comply to this, where they must send you EVERYTHING they have on you/Account, with a bit of luck the figures etc should also be provided in with this request.

 

I would give it a shot and see what comes back, this way you can also check any breakdowns and calculations and so.

 

We recommend you send this by recorded delivery - this can then be checked on the royal mail website - (Track and Trace), they cannot deny receiving your request.

 

If you require further info on this, shout back and someone will get back to you as soon as they can.

 

Di.

 

I wouldn't send a cheque my love - never, ever give them a signature! Send a postal order instead - it's amazing what these SAR's turn up.

[di0430]

I wouldn't send a cheque my love - never, ever give them a signature! Send a postal order instead - it's amazing what these S.A.R - (Subject Access Request)'s turn up.

 

 

Hi there,

Yes I see your point lol, and I will take your tip on this one (postal order)..., the only reason why I always send a cheque is because I check my bank account daily so I know this payment has been debited....., but yes I do see your point in this and will do the postal order on my next task.

 

I am in fact waiting for a SAR myself from e-loan, they only have until the 16th of this month to comply, but up to now although I know they have received the request by checking this out on the royal mail, they have not even attempted to debit the cheque payment out of my account yet..

I have early this week sent them a reminder, so with a bit of luck I should hear something soon, maybe they are sort of last minute sort of thing.

 

Yes a postal order seems to be another good option with no signature.;-)

[Dyanomo]

I like to send cheques because you know when it has been cashed. A tip I picked up is to slightly amend your signature (so that only you would notice) then you would know if you saw it again. An extra dot or dash usually does the trick for me.

[tinkerbell20]

good point