Lloyds ppi

sue149

hi my hubby has recieved a letter from FOS they want a copy of the cca agreement they need too know the date of sale ,the cost of the cover plus what sale channel he took ie telephone meeting etc he cant remember how this was as it was that long ago around 2000 he thinks it was just form filling and no phone contact was made can we send too them for copys and will it cost anything

di3004

sue149 wrote: »

hi my hubby has recieved a letter from FOS they want a copy of the cca agreement they need too know the date of sale ,the cost of the cover plus what sale channel he took ie telephone meeting etc he cant remember how this was as it was that long ago around 2000 he thinks it was just form filling and no phone contact was made can we send too them for copys and will it cost anything

Hi there

Do you have any loan paperwork at all?

This would be of some help, if the account is still running the bank may hopefully still have these details, you could contact the bank by asking them for account number for the loan taken out in year 2000, or call in your local branch, they will not or should not question you on this, you are only requesting for your details of the loan.

However, you could also ask if they still have details of the agreement and ask if they will be kind enough to send them to you, but otherwise you enclose a £ postal order or cheque payment and request they send you a copy by 12 days.

I was surprised to have received info from LLoyds going back to 10 years plus, so hopefully it will be the same for you.

For even more paperwork, you can always request a Subject access request as the last option, depending on if this loan account is still running or settled the last few years then I am sure they will have these details still, with this SAR request, they have 40 days to comply and send all they hold on you, with the payment of £10 postal order or cheque payment.
SAR template letter with details here.
http://forums.moneysavingexpert.com/showthread.html?t=1475553

Hopefully though just for a £1 they will send you the agreement by 12 days.

Good luck.;)

sue149

they card is still open but he cancelled the ppi a few yrs back he oes not have any paper work on this account and believes there was not contact with them apart from form filling but can not remeber where does he stand with that

di3004

sue149 wrote: »

they card is still open but he cancelled the ppi a few yrs back he oes not have any paper work on this account and believes there was not contact with them apart from form filling but can not remeber where does he stand with that

Hi Sue

As its still open there's a chance they will still have all the details of this account, so I would defo write to them and ask them to send you the agreement, if you call in the branch they may be kind enough to supply this agreement with no £1 charge, but otherwise just write a simple letter to request for the agreement on the account number XXXXXXXX
and that you have enclosed £1 postal order or cheque payment, and expect to receive this by 12 days.

For other documentation then it would be the SAR request.;)

sue149

thanks for your help will keep you updated on it ok

di3004

sue149 wrote: »

thanks for your help will keep you updated on it ok

Your welcome Sue.;)

sue149

well not sure what too do now sent a letter last week requesting charge details on the ppi , a copy of the agreement plus details of the actual sale sent cheque for £10 got parcel today all he got was copies of staement for the last 6 yrs none have the ppi on has it was cancelled before this, there was no copy of the agreement where does he stand now any help pls

di3004

sue149 wrote: »

well not sure what too do now sent a letter last week requesting charge details on the ppi , a copy of the agreement plus details of the actual sale sent cheque for £10 got parcel today all he got was copies of staement for the last 6 yrs none have the ppi on has it was cancelled before this, there was no copy of the agreement where does he stand now any help pls

Hi Sue

The agreement is normally requested for separately, it can sometimes be enclosed within a SAR, but with this one it costs a £1 postal order or cheque payment and they have 12 days to supply this.

Just a simple letter to request for a copy of your agreement, make them aware you have enclosed cheque or postal order and that you expect to receive by 12 days of your letter, and post by recorded delivery.

Within your SAR, you could write back and tell them you believe you have not been sent everything as you requested for in the letter, ask that they send anything else they hold on you, and if they cannot supply anything further you would like this confirmed in writing with an explanation.;)

sue149

will write another letter let you know how we get on i think they must have the agreement because the letter has the date that he took it out and he did nt even no this so at least we jhave the date

di3004

sue149 wrote: »

will write another letter let you know how we get on i think they must have the agreement because the letter has the date that he took it out and he did nt even no this so at least we jhave the date

Hi Sue

It does seem that way doesn't it?
Good luck this time round then, we look forward to hearing from you.;)

sue149

swnt letter and a cheque for a £1 over a week ago still not heard anything yet will keep you informed