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    • King I fully understand the mother was living there on her own and only one named on the tenancy agreement.   As for your comment that after informed of the passing in a few days they pack tenants belongings and store them and change the locks this I completely disagree with.   In my are the different HA (and there are many) in a scenario like this will:   Communicate with the executor/family member once informed of bereavement informing them of any succession rights, property to be handed back ( 28 days on being informed of above) if unable to must notify the HA to ask for an extension.   After the 28 days if no contact the HA will then follow its Abandonment Policy.   If contact made after 28 days and no extension has been granted HA will then go to court to claim property back.   Once this is done and no contact off to court to claim property back only then will the enter the property unless in an emergency or legally required i.e. gas safety inspection even then may need to go to court for that to get access.      
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Tboor74

90s Business Loan

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Hi all, I'm after some advice hopefully.

 

We took out a business loan in 1995,

at the time we were told that I had to take out a personal insurance cover in order to secure the loan.

Don't take the cover, no loan.

I've still got all the docs and paperwork etc.

 

The issue is I already had life insurance in place elsewhere.

This was never asked about or considered,

I was just told you must take the insurance policy with us or you can't have the loan.

 

It now seems ridiculous I was paying twice for the same product.

Is this a case of miss selling?

 

Any advice much appreciated.

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Yes perfect

Do it properly though

Spreadsheet and the FOS questionnaire


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks very much. I'll get it looked into.

 

Sorry, being ignorant here, I ve done PPI before but this is obviously different.

 

Is the spreadsheet to show what I paid over the duration?

 

Is there a template letter for this sort of thing?

 

I want to word things correctly.

 

Thanks again

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statint sheet put in every PPI payment you made each month.

the FOS questionnaire is in the fos website or from the FCA PPI website link.

 

and no this is no diff to how every PPI claim should be made.

 


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thank you very much

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Thanks for all the info. I've actually got 2 insurance covers, both business loan cover, which we were told we had to take out and which we already had elsewhere.

I've got both loan agreements and all statements so I'll follow your instructions and see what happens.

 

Thanks again.

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Sounds like this could be profitable..

  • Thanks 1

PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Lloyd acknowledge the issue but require : account details, proof of payment, statements etc. I have them all so will scan them and send them off but this seems like stalling and surely they can't legally require all that?

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P'haps they dont have them

and want to do a proper job.

 

bear-in-mind they have been heavily fined at least twice by the ppi refund regulators FOS/FCA etc


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Fair enough. I've got everything here, belt and braces  so I'll send the lot in.

 

Thanks again.

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Clydesdale have replied too but just saying they'll reply within 8 weeks. Fingers crossed it may be sooner.

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Clydesdale... thats not Lloyds..


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Found another with Clydesdale. 

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I've sent Lloyds all the requested info, and more.

One last query, when they sent their request, I assume the 8 weeks doesn't start again and that they still have 8 weeks from original receipt to advise of their decision?

 

Thanks again for the assistance.

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