Struggling with Alliance and Leicester PPI claim

[chesterxx]

Hi guys, I have recently contacted Santander regarding an alliance and leciester loan which was taken out about 2004.

 

I have had a response saying that they are unable to locate an account, product, or PPI policy based on the information provided and as such they will not be upholding the complaint.

 

As my own memory of the loan is sketchy other than the amount and the fact that I did pay PPI

(I was told at the time my application would likely be unsuccesful without taking PPI);

 

 

I was wondering if there is any other way I may find details.

I have no paperwork left to do with the loan,

and the bank account that repayments was made from is long closed down

(Was with natwest I am going to contact them to see if they still have any records),

the loan is also long gone off my credit file.

 

Any assistance would be greatly appreciated.

 

Gary

[maroondevo52]

Hi Gary,

 

I think you may toil to get any of them to part with your old account details, it may be worth your while sending Natwest a SAR.

Did you give Santander details of your address ect at the time you took out the loan with A&L.

[dx100uk]

did you sar Santander first?

[chesterxx]

HI Maroon & dx.

 

I actually didn't send a SAR to either organisation, though in the case of Santander I did give them details of my old address. Perhaps it would be worth my while sending the SAR's to both of these? (And also Egg C/O Citibank that I recently send the PPI document to for an old egg loan/credit card from the same period.)

 

Just shows the importance of retaining documents to do with loans etc as I'm sure if I still had the documents or at least account details I would find this all a much simpler process!

 

When sending a SAR do I need to make it clear that I want any information regarding to companies that they have taken over too, or does the request cover anything that they have on any systems/databases etc?

 

Thanks

[maroondevo52]

Hi,

 

The SAR should cover anything they have on you including any loans ect they have taken over.

[chesterxx]

Hi guys,

 

Update on this.

 

 

I did the SAR to Natwest and have been sent bank statements that show the loan from Alliance and Leicester going in;

have sent Santander another letter with the date of loan and the correct amount etc.

 

 

I will do a SAR to santander if they don't come back with anything,

thought when I queried SAntander saying they couldn't find any information on the A & L loan I was told that they would have it somewhere but in paper archives and they are unable to go through them all to find the information.

 

I am awaiting their response from my updated request and go from there.

I will update this in due course.

[dx100uk]

sadly for them if they at they have it

they must find it.

else off to the ICO you go

just because 'they cant be bothered..is NO excuse to not comply to an SAR.

[chesterxx]

Thanks dx; that will be my next move if they still can't find it.

[ThedaBara]

Hi...

 

So are Santander something to do with Alliance and Leicester?

 

When I had a bank account with Abbey National, I had credit cards for both A&L and MBNA...I also had a Capital One card... I'm not sure if they are all connected with Abbey/Santander, though...

 

Time to SAR I think!

 

Is there a specific address, please, or an online form or does one just apply to the nearest branch?

 

Thanks, Theda.

[chesterxx]

Hi, Yes santander bought out A & L so they are the ones to pursue a PPI claim against A & L with.

 

Cheers

 

Gary

[dx100uk]

Cap1 not

[chesterxx]

So a summary of where I am at with this, any advice would be appreciated.

 

1. I wrote to SAntander regarding a loan I had with A & L that I definitely paid PPI on (Dec 16).

 

2. They replied saying that they can't find any details and that I would have to provide more details, I called to discuss and was told that they would have details of loans from that period but they would be in paper archives and too difficult to locate (Jan 17).

 

3. I write to them with exact details of the dates and loan amount, including repayment details (May 17).

 

4. They write to say that they still can't locate details and asked if I have proof of the loan, repayments and/or PPI being paid (june 17).

 

5. I report to the Financial Ombudsman Service to ensure that the complaint doesn't go past the 6t month period, receive complaint reference etc (June 17)

 

5. I send santander bank statements showing the loan being paid into my account and repayments coming out of my account (July 17).

 

6. Last week I receive the attached response.

 

I am going to send a SAR into santander as recommended above (Thanks DX) - but am fearful that they will respond without details of the loan, would there be any other way I can try and get them to find details? Unfortunately my bank statements from the time of the loan and my bank itself say they are unable to locate any reference numbers to do with the initial loan going in and repayments coming out of the account.

 

As I say any further advice would be appreciated. Thanks

 

 

[dx100uk]

dunno if itsjust me

but it smacks to say we already thought we knew you coulnt go to the FOS

so we'll fob yo off with this response as we know you cant go anywhere with it.

 

 

now i'd call their bluff

i'd write back and state that you registered the complaint with the FOS whilst awaiting their last reply

as you knew it would expite if you didn't.

 

 

the FOS has advised that an official SAR is sent to you

then you have no excuse for not looking hard enough as an official request had not been made.

 

 

the FOS have advised me to recontact them in 6 weeks with your reply to the Legal request for documentation under the SAR.

 

 

I look forward to you hopefully now finding the information.

[chesterxx]

Thanks DX, I will do as you suggest.

 

Strangely though in my last letter which this is the response for - I did explain I had referred it to the FOS and included the reference number, so they know that I have referred to them. I will now write again with the SAR and mention that it is on the advise of the FOS that I have sent it, and that they have requested that I let them know details of what I am sent back.

 

The most disappointing bit of this is where he suggests a way to move forward, I thought they may actually be reasonable at that point!

[dx100uk]

just as a side issue

drop in the that the FOS made a comment about there might be information held by Santander's insurance underwriter and maybe an avenue of the claim going to them, but he was at that time unsure who the underwriters were.

 

 

they might cough that info up?

[chesterxx]

Thanks DX, will give it a go and update in due course.

[Wolvesboys]

just as a side issue

drop in the that the FOS made a comment about there might be information held by Santander's insurance underwriter and maybe an avenue of the claim going to them, but he was at that time unsure who the underwriters were.

 

 

they might cough that info up?

 

Hi,

Ive recently had an issue with Santander regarding an old Mortgage account from A&L days. They also said were unable to find any information relating to my mortgage. One of the advisor's did drop a nugget by saying Santander have a department who solely deal with "old A&L accounts" this may be just mortgages, not 100% sure. When i phoned and spoke to said department, low and behold, they had all the information about my old A&L Mortgage account, subsequently sending the information i had previously requested within my SAR. The A&L department number: 08000851590.

Hope this helps and good luck

[chesterxx]

Thank you, will give it a go