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    • Read the terms of the old legal cover.  Does it not still cover legal issues, that arose when the policy was in force, subject to a time period ?    And please note that most legal expenses policies require you to notify the Insurers within a certain period of the legal issue arising.   Failure to notify the Insurers of the legal issue within the  time limit noted in  the policy terms and conditions , would result in you not being able to claim.  This is because the Insurers would want to examine the legal issues and see whether they were able to resolve them, before there was any deterioration, which could lead to a greater exposure to costs.   Ask your brokers to find out for you, if you are not sure.
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    • Exactly, any data processing is automaticvlly illegal  as you say EB in the case of no ICO Registration.
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Hi guys,

 

My friend ran into trouble with his Nationwide loan 5 years ago after returning from living/working abroad.

 

He agreed a partial settlement for the loan, paid that and the agreement was to not default it and the loan was marked as a partial settlement on his credit file and the balance owed was zero.

 

He still has his current account with Nationwide.

 

Recently they wrote to him to inform him that he was due over £500 back due to unfair charges/interest which had been applied to the loan whilst he was paying it.

 

He spoke to them on the phone yesterday and they said they were using it to pay of some of the balance of the loan, even though he had an agreed partial settlement and his credit file showed a zero balance.

 

Can they do this? I would of presumed if they were able to do this they would of been able to take money straight from his bank account at any time to pay towards the previous loan.

 

Smells a bit fishy to me , but this isn't my subject of expertise.


My advice is given through personal experience and is given without prejudice

 

 

If I Have helped please feel free to click the star

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If he has it in writing that it was a F&FS then no...its not correct...but he must have the written agreement to fight it.

 

My only concern is " partial settlement on his credit file " were as if it was F&FS it should have been marked " Satisfied " ?

 

Andy


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