Companies in Default/FSCS Claims - Picture, London Scottish, Twopart

di3004

thunders79 wrote: »

The info Deloitte require from Northern Rock:

The total loan amount - Does that mean the total which we remortgaged at?
The rates of interest applied to the loan from inception, including the dates they were applied - The rate we remortgaged at? this will be on a mortgage statment won't it?
The amount of any redemption fee that would be payable in the event that the premium element is repaid to the loan - Would there be a redemption fee if we paid a chunk off?

now i'm even more confused. Don't know who to contact at Northern Rock either.

Any suggestions?

Hi hun

Well we remortgaged as well, and after all the waiting all they wanted was an updated statement from the lender, which shows the amounts paid out and the rate, so yes the rate does come into it but they must have a statement as part of their procedures, if you already have one by any chance, that should be okay to send, we attached ours by email.

As the rate carries on, you will be entitled to so much back due to the rate as well.

Hope this helps, I know it all seems confusing.;)

It was an uptodate statement they required.

thunders79

di3004 wrote: »

Hi hun

Well we remortgaged as well, and after all the waiting all they wanted was an updated statement from the lender, which shows the amounts paid out and the rate, so yes the rate does come into it but they must have a statement as part of their procedures, if you already have one by any chance, that should be okay to send, we attached ours by email.

As the rate carries on, you will be entitled to so much back due to the rate as well.

Hope this helps, I know it all seems confusing.;)

It was an uptodate statement they required.

Do they mean the redemption figure then? I could request one couldn't I? it says on the element of the loan. I'm confused.

Has yours been settled now then?

It really is taking ages and makes me wonder what they have actually been doing at Deloitte's for the past year?! :mad:

di3004

thunders79 wrote: »

Do they mean the redemption figure then? I could request one couldn't I? it says on the element of the loan. I'm confused.

Has yours been settled now then?

It really is taking ages and makes me wonder what they have actually been doing at Deloitte's for the past year?! :mad:

Yes ours was settled before Christmas, the claim was put in in 2008, as TWOPART only went into default a few months back, just after Picture.

They just told us a Mortgage Statement that was uptodate as they work everything out from there.

thunders79

di3004 wrote: »

Yes ours was settled before Christmas, the claim was put in in 2008, as TWOPART only went into default a few months back, just after Picture.

They just told us a Mortgage Statement that was uptodate as they work everything out from there.

I'm feeling really angry now :mad: - Just phoned up Northern Rock to chase up the paperwork which deloitte are waiting for and they are still waiting on deloitte to send them the paperwork which me and my husband signed and faxed them around two weeks ago! Deloitte said they sent it to Northern Rock last week. Had they had chased Northern Rock up themselves, they would have known that they havne't got it. Weeks are turning into months and we are getting no closer with this! its driving me mad! Aghhhh.......

We need some more success stories x

busbyh

thunders79 wrote: »

The info Deloitte require from Northern Rock:

The total loan amount - Does that mean the total which we remortgaged at?
The rates of interest applied to the loan from inception, including the dates they were applied - The rate we remortgaged at? this will be on a mortgage statment won't it?
The amount of any redemption fee that would be payable in the event that the premium element is repaid to the loan - Would there be a redemption fee if we paid a chunk off?

now i'm even more confused. Don't know who to contact at Northern Rock either.

Any suggestions?

Hi
My building society had to supply all this info. After not getting anywhere, we called in at the local branch with the request for information that was needed and they then faxed it to their head office.
The total loan amount is the amount you borrowed to pay off the loan
That was exactly the same info that our BS had to supply.
It did get sorted quite quickly once I did this.
Hope it helps

thunders79

di3004 wrote: »

Yes ours was settled before Christmas, the claim was put in in 2008, as TWOPART only went into default a few months back, just after Picture.

They just told us a Mortgage Statement that was uptodate as they work everything out from there.

Hi,
Was your loan taken through a broker?

thunders79

busbyh wrote: »

Hi
My building society had to supply all this info. After not getting anywhere, we called in at the local branch with the request for information that was needed and they then faxed it to their head office.
The total loan amount is the amount you borrowed to pay off the loan
That was exactly the same info that our BS had to supply.
It did get sorted quite quickly once I did this.
Hope it helps

Well here is hoping ours will pull their finger out now! - Northern Rock compliance dept wouldn't speak to me directly they just customer services to pass the message onto me! Deloitte assured me that they will re fax today and I will chase Norhern Rock up in a few hours to check they received it! lol

di3004

thunders79 wrote: »

Hi,
Was your loan taken through a broker?

Hi hun

Yes Twopart was the broker.;)

thunders79

di3004 wrote: »

Hi hun

Yes Twopart was the broker.;)

Hi

I have started another thread somewhere else asking for advice on a different loan we took out.

We took it out in 2004 with Click Finance (Broker) and it was for a Paragon loan. We were misold the PPI as we were told we had to have it and it the PPI was only in my husbands name although it was a joint application.

Someone advised me on there that you had dealings with the same people?

I am at a loss what to do with this one as Click Finance, I believe went into liquidation and Paragon won't persue it as the loan was taken through a broker.

Not sure if I need to keep writing to Click finance (last tried writing to them in 2008 with no reply!) or go straight to the FOS or the FSCS. I'm confused now.

This is obiviously nothing to do with my current loan with Deloitte.

All help would be appreciated.

di3004

thunders79 wrote: »

Hi

I have started another thread somewhere else asking for advice on a different loan we took out.

We took it out in 2004 with Click Finance (Broker) and it was for a Pinnacle loan. We were misold the PPI as we were told we had to have it and it the PPI was only in my husbands name although it was a joint application.

Someone advised me on there that you had dealings with the same people?

I am at a loss what to do with this one as Click Finance, I believe went into liquidation and Pinnacle won't persue it as the loan was taken through a broker.

Not sure if I need to keep writing to Click finance (last tried writing to them in 2008 with no reply!) or go straight to the FOS or the FSCS. I'm confused now.

This is obiviously nothing to do with my current loan with Deloitte.

All help would be appreciated.

Was just reading your thread now, have a read here:;)
http://forums.moneysavingexpert.com/showthread.html?p=29284873&posted=1#post29284873