HALIFAX Arrogance ... read this

HAVEFAITH

Request for copy of LOAN AGREEMENT

Hi,

I received a reply from Intelligent Finance (Halifax) recently and wanted to share it with you. I sent for a copy of a Loan Agreement and their reply is as follows:

Re Agreement ...... Thank you for your statutory request for information in respect of the Loan Agreement.

(then there is a selection of unticked boxes and then the last one is ticked)

Ticked = Subsection 77(3) of the Act provides amongst other tickets that section 77(1) does not apply to an agreement under which no sum is, or will or may become, payable by the debtor.

The above loan was repaid on 22nd June 2009 this means no sum is, or will or may become payable by the debtor and therefore the bank is under no requirement to provide a copy of the agreement any document referred to in it or a statement of account.

If you need any further help, please contact me by fax on .......

Customer Care Manager.

................

Is this right or am I entitled to see a copy? I just found the letter a tad rude and basically a 'sod off' type reply.

I would like to reply with a letter, some help there please. Thank You

di3004

HAVEFAITH wrote: »

Request for copy of LOAN AGREEMENT

Hi,

I received a reply from Intelligent Finance (Halifax) recently and wanted to share it with you. I sent for a copy of a Loan Agreement and their reply is as follows:

Re Agreement ...... Thank you for your statutory request for information in respect of the Loan Agreement.

(then there is a selection of unticked boxes and then the last one is ticked)

Ticked = Subsection 77(3) of the Act provides amongst other tickets that section 77(1) does not apply to an agreement under which no sum is, or will or may become, payable by the debtor.

The above loan was repaid on 22nd June 2009 this means no sum is, or will or may become payable by the debtor and therefore the bank is under no requirement to provide a copy of the agreement any document referred to in it or a statement of account.

If you need any further help, please contact me by fax on .......

Customer Care Manager.

................

Is this right or am I entitled to see a copy? I just found the letter a tad rude and basically a 'sod off' type reply.

I would like to reply with a letter, some help there please. Thank You

Hi there,

Before you write back, it may be a good idea to contact the Information Commissioners Office (ICO) to see what they say and suggest first.;)
https://www.ico.gov.uk/Global/contact_us.aspx

If this was not long settled - I would have thought they would still hold these details, good luck and please keep us posted.

[Deleted User]

There's a legal obligation for companies not to hold data for longer than necessary, but I imagine it is 'necessary' for them to hold it longer than they are saying they have.

di3004

Deleted_User wrote: »

There's a legal obligation for companies not to hold data for longer than necessary, but I imagine it is 'necessary' for them to hold it longer than they are saying they have.

Yeah I know what you mean, and yet some will supply after a few years even after settling.
One of mine was from 2001, was lucky I suppose.;)

[Deleted User]

I would have thought that the lender would keep copies for longet than 3 months...just keep on their backs and badger them through the ombudsman/ICO if need be.

elhell

If you are looking for the agreement so that you can check to see what PPI you were/are paying you may not need it. I asked Bank of Scotland just to tell me what I'd paid over the years in PPI and they almost immediately refunded almost £2600!;)

di3004

elhell wrote: »

If you are looking for the agreement so that you can check to see what PPI you were/are paying you may not need it. I asked Bank of Scotland just to tell me what I'd paid over the years in PPI and they almost immediately refunded almost £2600!;)

What a fab way around this, thanks for the advice hunni.:T:T
And well done to you.:beer::beer:

elhell

;)No problem. Let me hear how you get on!;)

HAVEFAITH

elhell wrote: »

If you are looking for the agreement so that you can check to see what PPI you were/are paying you may not need it. I asked Bank of Scotland just to tell me what I'd paid over the years in PPI and they almost immediately refunded almost £2600!;)

Yes this is right dude, i will retry using this method .... cheers!