im confused

jimmy_teabags

hello everyone

im going to try and get back the insurance i was sold with my loans but im confused

i got a loan out in may 2007 for 6,5000 but the total amount to pay back is £8262.00
the insurance is £2220.60

but i got this loan up'd a by around £1500 a year later but cant find the paper work for it.

what do i do?

maxdp

jimmy_teabags wrote: »

hello everyone

im going to try and get back the insurance i was sold with my loans but im confused

i got a loan out in may 2007 for 6,5000 but the total amount to pay back is £8262.00
the insurance is £2220.60

but i got this loan up'd a by around £1500 a year later but cant find the paper work for it.

what do i do?

Hi There

Just ring them and ask for a copy of the Agreement it will cost you £1.00. If they do not comply then send the SAR letter that you will find on the front of this thread and send to them recorded delivery and £10.00. They have 40 days to respond.

G ood Luck

di3004

Hi Jimmy, as Maxdp says, you can write a simple letter, and request for a copy of your agreement...

Just write that you are requesting for a copy of your agreement of a loan taken out in XX/XX/XXXX, and if you have the account number, if not then give them as many personal details as possible, ie; full name, any addresses you lived in at that time, your date of birth etc etc.
Ask that they provide by 12 days, and make them aware you have enclosed £1 cheque or postal order for this request.

For a SAR, as Maxdp says, they have 40 calendar days, there is a letter template for this on below link, you enclose £10 cheque or postal order, and they must send all they hold on you.
https://forums.moneysavingexpert.com/discussion/1475553

Make sure you get proof for posting at your post office too.

Hope this helps, good luck.;)

jimmy_teabags

thanks tryed ringing but closed today
i will try again 2morrow or
i will send out the sar letter . just need more details

thanks very much

jimmy_teabags

rang them this morning and got the details

did i just fill in questionaire thats on the site?

di3004

jimmy_teabags wrote: »

rang them this morning and got the details

did i just fill in questionaire thats on the site?

Hi there

The FOS questionnaire is fine, if you want to write a cover letter as well that is ok, but not essential, good luck.;)

jimmy_teabags

sent letter off but still have heard nothing

how long do there normally take?

jimmy_teabags

jimmy_teabags wrote: »

sent letter off but still have heard nothing

how long do there normally take?

anyone ?:):beer::beer:

di3004

jimmy_teabags wrote: »

anyone ?:):beer::beer:

Hi there

They have 8 weeks to give a response, sometimes they write within that time and ask for more time with a timescale of when you should expect to hear.
Good luck.

jimmy_teabags

sent the letter off on the 17th of the 9 and im still waiting, i rang them this morning and there said there still invasteing the case!

what do i do?

marshallka

jimmy_teabags wrote: »

sent the letter off on the 17th of the 9 and im still waiting, i rang them this morning and there said there still invasteing the case!

what do i do?

If its past 8 weeks since complaining you are free to take to FOS if you want. Its entirely up to you.