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Bank of Scotland Loan Agreements 2002 2000 Telephone Loan Agreement


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Hi All

 

Could anyone take a look at these agreements as I have managed to get a response from FSO that they are correct.

 

I would be happier if I could ask any team member for their view.

Please the PPI amounts are being refunded - though my view does this not call the agreement APR rates in to question, or am I wrong?

 

Any thoughts would be most helpful.

 

Dolly G

2000.pdf

2002.pdf

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Quote fro FSO Letter :

 

I therefore assume that your statement below re. copy of executed agreement relates to a copy of the original loan agreement. Both you and BoS have supplied me with copies of this agreement, and as the copies were signed by both yourself and a representative of BoS, they appear to fulfil the criteria you describe below. I am not aware of any information missing or completed later in this agreement.

Any advice would be very helpful.

 

Thanks

 

Dolly

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They should pay you back the PPI and the component of the interest relating to PPI. If they do that, then the interest rates will be right. If they don't, then of course the interest rates will be higher as they would effectively have charged both lots of interest on the original loan amount.

Steven

 

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Hi Steven

 

Thankyou. I now have been informed by OC that a £1000 will be retained from PPI repayment .

 

In 2005 I entered a protected IVA and the OC was contacted by the IVA practioner yet they never made a claim.

 

Discharged from IVA in 2008.

 

From raising my PPI complaint the OC are now deducting the balance amount + interest due from 2005 .

 

Does anyone know if this correct procedure?

 

 

Many thanks for your help

 

Dolly

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There is no procedure as such. I'm afraid I don't understand what they are repaying and what they are not and why

Steven

 

Using CAG Toolbar will generate much needed income - Download Here

 

Confused by Simple Interest? Confounded by Compound Interest? Read my Interest Tutorial

My Wins

 GE Money Won unconditionally May 2007

NatWest Won unconditionally August 2007

Brighthouse Won unconditionally August 2007

Goldfish Won unconditionally April 2008 (including CI on the basis of Sempra)

Clydesdale Financial Services (now BPF) Won unconditionally February 2008

 

Any opinions are without prejudice & without liability. Do not take any legal action on my advice alone. Almost everything I know concerning the law I learned from this site.

 

Please note, I will not give advice by PM. Please send a link to your thread and I will do my best to answer there.

 

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Hi Steven

 

Thank you for your reply.

 

The OC is deducting the balance amount due + interest on the sum not paid in 2005.

 

They failed to reply to IVA firm when contacted to submit a claim.

 

I just need to identify if the OC in 2010 is able to recover this sum.

 

 

Generally the answer really really matters to myself.

 

Regards

 

Dolly

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