Frightened about my future - part 2.

di3004

never-in-doubt wrote: »

What is a DSARN? It is called a SAR (a s.7 DPA1998 request lol) - forget what the banks call it, the official and proper name is a SAR.



Who completed the form then? if it was not you or hubby and the salary is inflated this could be by the advisor to cover the fact it was approved, as usually affordability would surely affect the decision - i.e. should have been a decline, yes?



Does the data tally with last years earnings or is it bull shoite?



Ok, so you need to refer it to the FSA and the FOS



They do not calculate using Gross - muppets, benefits are not PAYE and therefore should be calculated as source, i.e. £200 is £200 not £240 Gross/£200 Net - :rotfl: :rotfl: - The bank know this, they are taking the michael here



Exactly!



Its still wrong, something does not add up here at all.....



Only if it is guaranteed - for instance benefits cannot be included (i.e. JSA etc) but things like Chb can be as these are not affected by income, ie they are not means tested! In answer, i'd say no they should not be included, as the norm...



You need to go to the FSA and FOS (click for the relevant forms).

Wow that was super quick.:T

Yeah they called it DSARN or DSAR......:D

The adviser completed the forms in his own hand-writing, and some of it was in word processor, the word processing part must have been done afterwards.


No they are totally wrong, it does not calculate at all.

I didn't think they used GROSS either Nid, but they made a point of this on their letter I received, so this will come in handy for the FOS and FSA.

It does not add up at all, and as you know yourself, childrens benefits do not go on forever.

I am partly blaming why we are in this position now with the mortgage.

I will have to post up the letter but maybe by PM or so.;)

Cheers again.:beer:
Better still, put it on show, shall I? LOL

mouseann

never-in-doubt wrote: »

Its easy to understand just hard to summarise!

They were brought by CMC's (claims management companies) on a no win no fee basis. They all lost btw so they all went under, near enough! :rotfl: Will explain that - thanks, never thought to mention it....

So, a classic "win-win" situation for the lawyers, then?

Am really off to bed now, night everybody!

never-in-doubt

jen_br wrote: »

Its more that they know who I am here..

But ill email you ill let you do your thing its not a rush !

Hi Jen

Please don't ask me to keep responses to Lloyds private cos I cannot do that, not now. I want to make everything publicly available as they think they are clever, we'll see about that won't we..

If you do not want me posting your letters up then fine, i'll respect that, however I will post my replies to them which pretty much tell them who you are anyways - not like they do not already know. I've told you several times before do not show or act like the bank is scaring you or they have beat you, you may as well start to repay them! Trust me, they are wrong and have to come to court with an original - if they are to enforce this account, otherwise as they know full well, they will lose as you will hit them with s.127 and s.65.

They know this - do not believe their bollix that they use to scare you, i'll soon have them sorted when I have completed the Carey judgment, being they rely on it so heavily and obviously misunderstand the whol judgment.....

jen_br

Ta... I dont mind you posting your responses... never have done

never-in-doubt wrote: »

Hi Jen

Please don't ask me to keep responses to Lloyds private cos I cannot do that, not now. I want to make everything publicly available as they think they are clever, we'll see about that won't we..

If you do not want me posting your letters up then fine, i'll respect that, however I will post my replies to them which pretty much tell them who you are anyways - not like they do not already know. I've told you several times before do not show or act like the bank is scaring you or they have beat you, you may as well start to repay them! Trust me, they are wrong and have to come to court with an original - if they are to enforce this account, otherwise as they know full well, they will lose as you will hit them with s.127 and s.65.

They know this - do not believe their bollix that they use to scare you, i'll soon have them sorted when I have completed the Carey judgment, being they rely on it so heavily and obviously misunderstand the whol judgment.....

di3004

mouseann wrote: »

So, a classic "win-win" situation for the lawyers, then?

Am really off to bed now, night everybody!

Night Ann, sleep well and sweet dreams.:A

You were right about Niddy about the mortgage application issue, thank you.:beer:XX

never-in-doubt

di3004 wrote: »

I will have to post up the letter but maybe by PM or so.;)

Cheers again.:beer:
Better still, put it on show, shall I? LOL

Nooo - please PM it, do not make it public lol....... not yet!

di3004

never-in-doubt wrote: »

Nooo - please PM it, do not make it public lol....... not yet!

LOL.:D

Hope you received it ok.;)

di3004

More to add to the FOS now then........:D

Wonder what the FSA would come back with??

di3004

Income earned on that year........£15450.39

So they are way wrong........:mad: by the £28,000 they word processed on the application and also the £21,000 they said they worked from - from the previous year (GROSS)!!

never-in-doubt

di3004 wrote: »

More to add to the FOS now then........:D

Wonder what the FSA would come back with??

Hiya

Ok, have read all that - can you tell me, what do you want from this exactly? Am I wrong to asume you remortgaged and they based the remortgage on incorrect income which now you're in arrears of, i.e. you're seeking compo? I just need to know exactly what you want and a brief laymans terms as to why and what the problem is.

I do gather what you sent me, and have took it all in (sadly enough) and will do you a response to C&G but I do need to know the answers to the above, also what did the FOS say when they made adjudication? If you have a copy of their letter that'd be handy to see......

Thanks Di