need Loan Credit Agreements to find PPI......

[glenelement]

I'm new to this site

 

 

just wondered if anyone could help me on how to obtain all my original loan credit agreement from Halifax bank

as I've done so in writing before and they've only given me 3 pages out of 13

 

 

Thank you

[citizenB]

Was your request made using a similar request as in the link below and enclosing £1.00 ?

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974-**Updated-January-2015**

 

If so and they have not provided all of the agreement - terms and conditions from both inception and currently - then they are in breach of the CCA.

 

What was the purpose of you requesting this ? Was it to see if there was any PPI or that it was properly drawn up ?

 

In the first instance, I would write to them advising that it is fairly obvious that there is something missing and that they should now send you the missing pages.

[glenelement]

It was not like the link below it was just a letter I did myself with no fee asking for my credit agreement for ppi and this link as helped Thankyou

[citizenB]

Ah righto. Well if you are wanting to check for PPI then it might be in your interest to obtain a Subject Access Request - which will cost you £10.00 you can use the draft from the link below. This will provide you with statements and any other data in respect of your financial relationship with the Bank.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**

 

They have 40 calendar days in which to respond to you with the data.

 

Then you can ensure that any refund is accurate by checking your statements for the amount of PPI you have paid.

 

Or, did you make the request because you are not sure that you had PPI ?

[fkofilee]

Yes a SAR Request will do you well in this case as it will give you all information

[glenelement]

Hello just wondered if you could tell me next step please sent the SAR letter with £1 postal order and they've responded with a letter saying (PPI NO) and only sent 2 pages out of a possible 13 thank you

[Bazooka Boo]

A SAR cost TEN pounds, not one.

 

They have 40 calender days to fulfil your legal request and send you all of the information you asked for, after that, you send them a reminder, before making a formal complaint to the ICO.

 

Did you send £10 with the SAR template from here?

[glenelement]

sorry was a CCA + £1 postal order for a copy of credit agreement not a SAR thanks

[dx100uk]

not much good really

 

 

you need to sar them.

 

 

dx

[glenelement]

ok thank you I'll try the SAR + £10 do you have a link for the form thanks

[dx100uk]

urm... click the sar

 

 

read the whole of the sar thread first mind