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Help ??
oldbloke
Posts: 2 Newbie
Is it still possible to reclaim if you've paid the loan off ? I've requested a copy of the loan agreement as per the instructions and got a letter from the bank saying they don't have to give it me. Does this mean i'm too late ?
0
Comments
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I've requested a copy of the loan agreement as per the instructions and got a letter from the bank saying they don't have to give it me.
Their response is correct. Under the CCA they do not need to provide you with a copy of the agreement when the debt has been repaid.
However, under a subject access request, costing £10, they would provide it to you providing they still have it and it is in a relevant filing system.
Out of interest, why do you need the agreement? It is not requirement to make a complaint.I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0 -
Their response is correct. Under the CCA they do not need to provide you with a copy of the agreement when the debt has been repaid.
However, under a subject access request, costing £10, they would provide it to you providing they still have it and it is in a relevant filing system.
Out of interest, why do you need the agreement? It is not requirement to make a complaint.
Never done this before - wasn't sure if i'd had PPI in my loan agreement (tho i have a hunch) so was going through the suggested steps. Really just wantede to know of i was wasting my own time0
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