Loancheck/Watsons Solicitors

marshallka

millwallpaul wrote: »

I haven't got any paperwork from Lloyds insurers. The only paperwork I have is First Plus credit agreement and PPI booklet which lists the two syndicate numbers that I have put on the questionaire.

I never had any paperwork from LLoyds but on my firstplus policy terms and conditions (that was sent with SAR) they mentioned a number of syndicates. They will sort it from the ones you have given them and also I would send a copy of the credit agreement mentioning the syndicates. I think you will be ok now and it will just be a waiting game from then on.

Good luck

maxdp

What I learnt from my Solicitors is that what is promised by loancheck or however your introducer is is not what happens in real life. So beware all check with your solicitor. There are costs and it is not cost free at all.

marshallka

maxdp wrote: »

What I learnt from my Solicitors is that what is promised by loancheck or however your introducer is is not what happens in real life. So beware all check with your solicitor. There are costs and it is not cost free at all.

So Loancheck got it wrong then? Is that what they are saying?

If Loancheck were wrong then what can be done as there is one company still trading but was this one that one that you went through? If its one of the ones in administration then can you put a complaint to their administrators about their conduct?

marshallka

Been looking at yourloancheck.com on bizzy info and its still trading but have been a few change of particulars (looked on companies house and it means change of address's of directors/company secretaries etc I think) over the last few weeks. One was only a couple of days ago but still trading. Can you complain to them maxdp? I cached the complaints procedure a few posts back? Might be worth a try as they are still active? I would think they would have to reply.

maxdp

marshallka wrote: »

So Loancheck got it wrong then? Is that what they are saying?

If Loancheck were wrong then what can be done as there is one company still trading but was this one that one that you went through? If its one of the ones in administration then can you put a complaint to their administrators about their conduct?

When I quoted and took all the paperwork I had from PIL and Loancheck (Solicitors guide) I was told what I was told was misleading. They could not comment on anything that I had been told by Introducers Loancheck etc.

TBH Marshallka I did not know it was Loancheck in the beginning I just went through PIL I had no paperwork at all from Loancheck.

maxdp

Thanks Marshallka I will look into it and go through my paperwork again. I have loads to go through and get original copies of all agreements etc to back up the mis selling. Oh well will keep me off the Easter Eggs.

marshallka

maxdp wrote: »

When I quoted and took all the paperwork I had from PIL and Loancheck (Solicitors guide) I was told what I was told was misleading. They could not comment on anything that I had been told by Introducers Loancheck etc.

TBH Marshallka I did not know it was Loancheck in the beginning I just went through PIL I had no paperwork at all from Loancheck.

This is why it is so wrong how they did this. You were told by one firm one thing and then in a way their bit of this was over and done with. You were then given a contract with a solicitor from the solictor and also in the meantime saw other people from another firm. Each one had their part to play and each one have different views on how these contracts actually worked. Each one of these are probably going to get off scott free cause they did their bit. Its a bit like Cartel are saying now about them doing their bit (which was what the upfront money was that clients paid for) and they passed the cases on. That is where their liability ended. So annoying.

maxdp

After meeting with Solicitors I have to write the whole meeting with Bank Manager in greater detail . I also have to provide orginal statements of all other documents that had PPI at the time the loan was taken out. It was six years ago so is quite difficult to remember. Was even asked what time meeting was and what weather was like.

marshallka

maxdp wrote: »

After meeting with Solicitors I have to write the whole meeting with Bank Manager in greater detail . I also have to provide orginal statements of all other documents that had PPI at the time the loan was taken out. It was six years ago so is quite difficult to remember. Was even asked what time meeting was and what weather was like.

Blimey, is this just to claim back the PPI or other things as well? I always wondered if they would want a detailed account for courts etc. (witness statements etc!!). Are they definately confident you will win on this? Did they give you their assessment of what percentage they were confident or the time scales involved in this? Seems like they are going to take this to court then but have they assured you that they are not going to charge you (except maybe the 25% deduction from compensation) any fees, charges, barristers fees?

Just throwing in some questions but I bet you have already asked them already but just in case.

maxdp

No what the meeting was for primarily was to see whether we would be good witnesses (whatever than means) He confirmed at the beginning of the meeting that we would be. The next thing is to take the informationgiven in that meeting (plus loads of homework I have to do) back to Counsel they will then make a final decision as to the percentage chance of success. If it is under 50 they are not interested. What they are trying to get back as a minimum is the amount outstanding plus the monthly installments that we have had to pay since the complaint first went to the lender. This is the minimum that they are asking for back. This would take the amount over the 5000 so should be OK there. With regard to the rest of it we will discuss that further in a second meeting. It may be the whole lot but that was not discussed. As long as we get back the PPI plus interest etc then will be happy about that.

Whilst investigating the refinanced part of this loan have found ANOTHER loan with PPI. That one is going through the FOS if needed.LOL