HELP Please, No account Numbers for old loans

[grantgee]

Should i also now change the date of Interest on all 3 calculations to today instead of 7 days ago?

[ims21]

Should i also now change the date of Interest on all 3 calculations to today instead of 7 days ago?

 

Yes

[grantgee]

Should i tell Paragon i have changed the date of interest in my letter and that i will expect interest added up until the date they pay me? Or is that too pushy?

[ims21]

No

 

No need to...lets get someone to cough first

[grantgee]

ok

 

Did you have a look at the attachment on #48 and the letter on #50.. Do they seem ok to send??

[ims21]

Hi

 

Just got to pop out...will have a look later but the one in post #50 is fine

[ims21]

Hi

 

I'd change the one in #48 as it reads that the only reason you are claiming is the fine they got.

 

I'd just say here's my papers (questionnaire and spreadsheet).

 

In addition I am aware of the fine etc etc.

 

ims

[grantgee]

ok to something more like.

 

Please find enclosed copies of questionnaires and interest calculations regarding a loan that we have had with your company in the past, with what we feel was miss sold Payment Protection Insurance. Please arrange for us to be reimbursed for our claims.

In addition I am aware of the fine your company was handed for the miss selling of PPI and I attach the report I have read

[ims21]

Yep that'll do

 

[grantgee]

cool thanks... again will keep you updated of any responses i get.. Until next time..

 

[ims21]

Good luck

 

I'm sure it will come good eventually

[grantgee]

Ok both letters 1 more to Paragon and 1 to loans.co.uk were signed for this morning and POD has been printed and added to my file. Lets see what kind of response i get from Paragon this time. Also be interesting to see loans.co.uk response to my claim....

[grantgee]

I have still not received any response from Black Horse - SAR sent 25/4/12. I know they still have 12 days to respond but i want to get my letter ready. As i do not have any account numbers how do i ask for the info again? This is my letter so far what needs adding?

 

Dear Sir/Madam

 

Account: xxxxxxxx

 

You have failed to comply with my Data Protection Act Subject accessrequestdated 25th April 2012.

 

If you do not comply within the next 7 days I shall seek a Court order obligingyou to do so together with damages at the discretion of the Court and withoutany further notice.

 

[ims21]

There is a template for a failed SAR in the CAG library

 

ims

[grantgee]

Thanks ims, i have looked at it but it says to put your account number as the reference. I dont have any account numbers, thats my question

[ims21]

Just give them the same info as you gave in the original SAR.

 

Account numbers are not needed to trace peoples data...they will be able to do it from full name and address(es) a data subject was living at

 

ims

[grantgee]

ok thanks

[grantgee]

I have today received a response from Paragon:

 

As advised in our letter dated 15 May 2012. Paragon was not responsible for selling a payment protection policy to you. The broker was responsible for the sale of the loan, the sale of insurance was not regulated by the FSA and i suggest that you contact your local Citizens Advice Bureau directly, if you have not already done so.

 

I trust that this clarifies our position in this matter.

 

 

Not what i was hoping for.

[grantgee]

So is my next step the fos?

[ims21]

Hi

 

I would run it by fos first to see if they will take it on. Some lenders tell you that you can't go to fos when in fact you can.

 

Indeed I remember one instance where Barclays said this in writing to a member and fos were surprised that they had said that.

 

If not then the FLA may be able to help or indeed court is another option but with court the civil burden of proof, i.e. the balance of probability will be on you.

 

ims

[grantgee]

So do i just send all the info to the fos that i have sent to Paragon with a cover letter?

[ims21]

Give fos a call first to confirm that they will take it on.

 

No point in spending time copying everything if they are not going to help.

 

ims

[grantgee]

Got a response from HFC this morning saying i will have my SAR information within 40 days dated 29/5/2012. I sent the letter on 10/5/2012 is the 40 days from my date or theres? I have a phone number provided by them, shall i call and suggest its from when they signed for my SAR letter?

[ims21]

Its 40 days from when they received the SAR request

[grantgee]

So you reckon a phone call or just wait and see? By the way, for anyone needing it in future the phone number they have given me is:

 

0870 240 0990 stated as the Customer Service Department.