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james2222

Santander/Alliance & Leic. PPI dead end.

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I had a couple of £3000 loans from A&L in 1997 and again in late 1998 and paid PPI on one of the loans. 

The repayments overlapped for some months towards the end of the first loan.

 

I remember getting the completion certificate when the second loan ended, which clearly showed the PPI amount paid on this loan.

 

I was so pleased to have paid the loan off, so celebrated by tearing up the completion certificate a few months later, thinking 'I'll never need this again'  … oh what a numpty I am!

 

Have tried SAR to Santander, giving all details but just got the , 'we have no records of this', response.

 

I still have all my bank accounts showing the monthly payments to Alliance and Leicester …

it shows differing monthly payment amounts

(i.e. the PPI loan cost me more each month than the non-PPI)

but obviously this does not prove PPI was charged,

although its pretty obvious it wasn't just due to the interest level being charged,

which was the same on both loans as far as I remember.

 

I don't know who the underwriters of the loan or PPI were and Santander say they are unable to assist me in this either …

as they have no records.

 

Just before I give up and say …

this is 'Game Over' does anyone have any ideas on what else could be done.

 

I did try calling the special helpline on A & L loans ( was given the number 0845 6006014) but the BT message you get, says this has now been disconnected.  

 

Oh, why didn't I keep just one flimsy bit of completion certificate paper!!

 

 

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use our custom google search box and find the underwriters 

alliance and Leicester A&L ppi

 

or something alike


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

spreadsheets 

 

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Interested in how you get on here....My partner is in EXACTLY the same position with A&L/ Santander...


1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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Posted (edited)

My OH is in the same boat aswell.

 

All we could find was an early settlement figure details with A & L loan that showed rebate of PPI and account number.

 

This was settled when we moved property in 2001.

 

Contacted Santander but as usual they could find nothing apart from confirming the account was closed? They were really not very helpful.

 

No idea who Underwriters are and would be interested to know how we can find out. 

 

 

Edited by Baz1994

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post 17??

 


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

spreadsheets 

 

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Cheers dx

 

Do you think if I just give them a call on that number quoting the A & L loan reference, that will be suffice?

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Dunno cant hurt


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

spreadsheets 

 

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