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Mrs M A&L Bryan Carter


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Had this thread somewhere else but thought I should post on the PPI forum

 

I am not sure how to claim the PPI my daughter had on this loan as we cannot work out with the calculators because it was not a single premium. Could some one take a look and advise.

 

This loan was paid off 6 months later with another loan but no PPI taken.

 

 

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Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Have been looking more closely at this A&L account my daughter has.

 

The original thread was to work out the PPI that she had on the first loan with them in 2006 but having received her SAR back from A&L I have noticed that her current loan which she has with them has never had a DN put on this account. Both Fredrickson and Global debt Management have been asking for the whole balance to be paid in full.

 

In fact the first DCA Collect Direct UK were asking for the full balance back in December 08. We offered to pay them £3000 to settle in June 08 when she had only missed 1 payment and had lost her job. They refused and told her she had to go on payment plan. She paid this for a while but they kept badgering her to pay more so, she stopped paying them. They constantly phoned her, sent texts to her and generally made her life a misery.

 

Obviously we did not know about CAG back then but we do now. The reason I am putting this up is because I have now found out that BRYAN CARTER is now on the case. I also noticed that the so called SAR we got back consisted of 3 pages of so called diary and telephone log, but I have noticed that there is no mention of the letter they sent last year about her PPI. Unfortunately she never kept the letter. I am thinking now that I should ask them for all the correspondence they have on her account. I will put up the correspondence she has received so far in the order they were received and maybe someone can have a look I am sorry there are a few but they are all relevant I think.

 

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As I mentioned there could well be some letters missing as my daughter had a habit of binning some, and until we get the rest of the copy correspondence from A&L it is hard to tell, although as I said I can not find a DN mentioned in the diary.

 

I am hoping that all the attachments dont crash my system. Here goes.

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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I have put together a letter to A&L asking for all the correspondence between them and my daughter. Can any one advise if it needs to be changed in any way.

 

Dear Madam

 

Thank you for your letter concerning my Subject Access Request.

 

I appreciate the documents that you have sent but I feel that these do not constitute a complete SAR.

 

I would appreciate it if you would send me the copies of all the correspondence that have been sent to me by your company and copies of all the correspondence on file that you have received from me.

 

Thanks Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

Link to post
Share on other sites

Have been looking more closely at this A&L account my daughter has.

 

The original thread was to work out the PPI that she had on the first loan with them in 2006 but having received her SAR back from A&L I have noticed that her current loan which she has with them has never had a DN put on this account. Both Fredrickson and Global debt Management have been asking for the whole balance to be paid in full.

 

In fact the first DCA Collect Direct UK were asking for the full balance back in December 08. We offered to pay them £3000 to settle in June 08 when she had only missed 1 payment and had lost her job. They refused and told her she had to go on payment plan. She paid this for a while but they kept badgering her to pay more so, she stopped paying them. They constantly phoned her, sent texts to her and generally made her life a misery.

 

Obviously we did not know about CAG back then but we do now. The reason I am putting this up is because I have now found out that BRYAN CARTER is now on the case. I also noticed that the so called SAR we got back consisted of 3 pages of so called diary and telephone log, but I have noticed that there is no mention of the letter they sent last year about her PPI. Unfortunately she never kept the letter. I am thinking now that I should ask them for all the correspondence they have on her account. I will put up the correspondence she has received so far in the order they were received and maybe someone can have a look I am sorry there are a few but they are all relevant I think.

 

002.jpg

 

003.jpg

 

 

004.jpg

 

005-1.jpg

 

007.jpg

 

008.jpg

 

009.jpg

 

010.jpg

 

12.jpg

 

011.jpg

 

briancarter.jpg

 

As I mentioned there could well be some letters missing as my daughter had a habit of binning some, and until we get the rest of the copy correspondence from A&L it is hard to tell, although as I said I can not find a DN mentioned in the diary.

 

 

I have put together a letter to A&L asking for all the correspondence between them and my daughter. Can any one advise if it needs to be changed in any way.

 

Dear Madam

 

Thank you for your letter concerning my Subject Access Request.

 

I appreciate the documents that you have sent but I feel that these do not constitute a complete SAR.

 

I would appreciate it if you would send me the copies of all the correspondence that have been sent to me by your company and copies of all the correspondence on file that you have received from me.

 

Thanks Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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Hi Andrew.

 

Nothing yet, they received the letter on the 3rd so will post as soon as I get something back.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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  • 2 weeks later...

Hi. Update.

Still nothing back from A&L concerning the rest of the SAR. Now 15 days. Not a peep from Brian Carter either.

 

Any ideas what I should be doing now.

 

Mrs M

________________________________________________________________

ALL unsolicited PMs and E-mails should be posted up - Not all on CAG are who they appear to be

 

 

My views are my own. If in doubt, seek professional advice. If I can help though, I will. CAG helped me!!

 

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If you find my advice helpful - please click on my scales

<<<<<< - they're over there!

Well, it's a funny black star now ...

The small print - any advice I give is freely given on the understanding that I am a layman and am not legally qualified in anyway.

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