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    • Thank you dx.   Will I not be sent to a credit agency or affect my credit score?   Thanks so much for your help.
    • I never have to be honest. Their recent discounts are way off what they were before. Used to be 75% off and such.   ill CCa them tomorrow
    • Ah no DX apologies.   its never defaulted. We had a an agreement in place whereby they didn’t default the account so every statement that came through had the interest frozen and I was just chipping away at it.   which is why this doesn’t make sense. Surely it has to default before they sell it? I’m totally ruined if this Company now applies a default .
    • name the issuing court: Airdrie Sheriff Court   Who Is The Claimant: Arrow Global Limited   Who Are the Solicitors: Shoosmiths LLP   What type of action? (Simple/Ordinary): Ordinary   What is the claim for – The Pursuers are a finance company which inter alia operates the business of debt purchasing. By virtue of a debt purchase agreement between the pursuers and hbos plc dated 28/02/2017, the pursuer acquired title to and was assigned the right to payment in respect of all debts and other monetary claims of any nature due or owing by the defenders to the original owner which were in existence as at the date of the agreement, and in particular in relation to the contract hereinafter condescended upon. The said assignation was intimated to the defender by way of a written notice on or around 28/02/2017.   The said contract between the Original Owner and the defender is a regulated credit agreement in terms of Section 189 of the consumer credit act 1974. It is dated 21/01/2008 and relates to a personal loan agreement with account number XXXX. It was a term of said agreement that a failure to meet any instalment on a due date would render the account in default and would entitle the pursuer to serve notice of default on the defender requiring the defender to remedy the breach within 14 days which failing the agreement would be terminated.   date of raised claim :- ?   Last Date Of Service:- ?   Last Date For Response:- 7/11/19?   What Documents are listed in Box E2: a copy of the credit agreement statements of account and notice of assignation will be produced in any defended process to follow hereon.   Is the claim for ......an Overdraft, credit card, loan account, HP Agreement, Catalogue or mobile phone debt? :- personal loan     BOX D5 what has the claimant stated: make payment of the sums sued for …..   from your knowledge: answer the following:   When did you enter into the original agreement before or after 2007? 2008   Has the claim been issued by the original creditor or was the account assigned and it is the Debt purchaser who has issued the claim.:- debt purchaser   Were you aware the account had been assigned – did you receive a Notice of Assignment?    Did you receive a Default Notice from the original creditor? believe so   Have you been receiving statutory notices headed “Notice of Default sums” – at least once a year ? unsure   When was you last payment:- 11/2016   Why did you cease payments:- 11/2016   Was there a dispute with the original creditor that remains unresolved? no   Did you communicate any financial problems to the original creditor and make any attempt to enter into a debt management plan? yes dmp til 11/2016
    • PRA have purchased the debt 
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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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