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Help and guidance appreciated.



Back in August i received a letter from Loans. Co.uk informing me that i had been misold ppi on a loan/ mortgage

and that they were investigating and they would be in touch.



I then received a letter saying they did owe PPI and that a cheque would follow shortly

and they were calculating the figures from Cigna and Stirling( insurance)



The figures arrived yesterday and the amount is 1600.00.

Which is ok but unfortunately there is no explanation as to what this is based on or how this has been worked out.



I had a mortgage with them and then remortgaged in the space of 2 years for around £44k the first time and then around £75k the second time.

I have no paperwork and nothing to go on except the account number that they sent me.



I was self employed at the time and self certed these mortgages.



Do i SAR them - i really don't trust any of these lot especially anyone related to GE money as i know these are.



What do you think.

If they had nothing to hide why haven't they included the calculations in the letter?



Ive had the ombudsman pamphlet sent from them added in their letter?

This loan was started in 2004.

Any help with thanks.

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Have you written to them asking them to explain how they arrived at those figures?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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sar time for sure.




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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