PPI, RBOS & Loan Statute barred ** TOTAL WIN **

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Further spreadsheet

[citizenB]

Further spreadsheet

 

 

You forgot to attach it

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further spreadsheets with details removed

PPI Loan 1.xls

PPI Reconciliation.xls

PPI Loan 5.xls

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3rd attempt at reconciliation sheet

Reconciliation.xls

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Had to remove ppi from file names to sort the uploads

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All on 1 Copy of StatIntSheet v101-1.xlsHave run them all on 1 spreadsheet and get same answers

[ims21]

Hi

 

Sadly that's not the way to do it (I wish it were!)

 

Have you got the statements of the loans to show the payments made and when?

 

If not you will need to SAR the lender to get as much detail as you can. You will not be able to work out the amount you are due back with just the schedule they have given you.

 

I take it you haven't got the original agreements? If you haven't got hem you need to ask for copies in the SAR request.

 

Were your loans all stand alone loans or did one refinance the other?

 

ims

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I have attached the letter I received from RBS

Another delaying tactic I assume

I cant remember exactly but I think some of them were refinancing

I will not respond to their letter and ask for full loan agreements

I assume they will still have to comply within the 40 days

I assume my figures are far too high and I would not be due that amount back rbs letter0001.pdf

[ims21]

Hi

 

You need to write back to them and tell them that you require a full SAR....as they seem to have fulfilled the one where you asked for PPI stuff only, you may need to send another £10.....or was your original SAR a full one?

 

ims

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It was a full SAR request and i enclosed the £10 fee

[ims21]

OK so if your original request was for a full SAR you need to tell them that and let them know that if they do not fully comply they are in breach of the Data Protection Act. Tell them that you want the rest of the DAT in 14 days (if the 40 days for compliance is up) otherwise you will take the matter further.

 

If their 40 days is not yet up then just a gentle reminder to them that the clock is ticking and that you look forward to receiving the rest of your data within the time limit allowed.

 

ims

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They have tried to say that as my original request was not signed the 40 days starts from when they got my signature on the 20th February.

I did point out to them that waiting to day 36 before informing me they needed a signatureas my original request was submitted on 12th December could be seen as a delaying tactic and wouldnt be looked upon favourably if I decided to take it further and this was when they offered the spreadsheet of loans but I now see that this was a further stalling tactic

[ims21]

And there is no requirement to provide a signature

 

If they were unsure as to your identity why did they give you the loan schedule?

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The loan schedule was provided after I signed their request form

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Have spoken to RBS this morning and he says it is unlikely that they have the loan agreements going back to 1997 as per the spreadsheet provided and this is the standard information that they provide

 

Should I push for the loan agreements or just send the letter of complaint and see what happens

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Have received 3 offers so far all with the same attached disclaimer as attached here

My only concern with signing this is the part about they will make any deductions for money owed. As the loans are statute barred I am assuming that they can not make deductions for these

Also they have not included how they calculated the amounts due and as they could not provide me with the original paperwork I had no way of working out if the calculations are accurate

Any advice appreciated

ppi edited2.pdf

[ims21]

Hi

 

I've had to unapprove the attachments because account and reference numbers are showing. Please clean the docs and re-attach

 

Ta

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use this ppi edited2.pdfStrange the version i had shows no numbers have uploaded it again

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use this edited2.pdf3rd time lucky

[ims21]

No Still showing account numbers and your name

 

Hang on a bit and I'll do it for you....be right back

[ims21]

Here you go

 

ppiletter.pdf

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Thanks

[ims21]

OK of you want the breakdown of the offer you will need to request it from them. They should have provided you with something bit if not you need to ask for it.

 

SB means that a debt cannot be pursued through court...it doesn't man that the debt doesn't exist so if they have spotted that you owe them money then they will carry out a set off IMHO

 

ims

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They provided me with a basic which basically says amount of PPI then interest less tax giving a total

They said that as they were linked through various loans this was calculated accordingly

I know there are spreadsheets on here for working that out but as I dont have the figures I dont know if they are accurate

I suspected that they might be able to offest it against the outstanding loan even though it was statute barred but was sure someone on here said they couldnt do that

[ims21]

I'll just see if I can check it for you.

 

bear with....