We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
Refusal to provide copy of loan agreement
Frankie3
Posts: 7 Forumite
I took out a substantial loan with Argos in December 2006 and repaid it in April 2008. I'm not 100% sure but I'd be willing to bet that I had PPI and that it was probably mis-sold.
I no longer have any paperwork, so I requested a copy of the agreement, terms and conditions. They refuse to provide it, saying that s. 78 of the Consumer Credit Act 1974 doesn't apply because the loan was repaid in April 2008.
What do I do now?
I no longer have any paperwork, so I requested a copy of the agreement, terms and conditions. They refuse to provide it, saying that s. 78 of the Consumer Credit Act 1974 doesn't apply because the loan was repaid in April 2008.
What do I do now?
0
Comments
-
The old 10 quid cheque and request a SAR, which bank rolls Argos?0
-
Thanks.
I'm really new to this so please forgive me - what is SAR?
The letter is from Homebase.0 -
https://forums.moneysavingexpert.com/discussion/1475553 have a read of this thread.
you need to find out which bank is the underwriter for the argos group.0 -
Hi guys,
I'm about to embark on a quest to reclaim - my problem is I no longer have several of the account numbers of old credit cards etc - how do I go about this process without this information?
Many thanks in anticipation.0 -
What do I do now?
You sent the wrong request in. The method you quoted only applies to debts in force/outstanding.
You need to do a subject access request costing £10 if you want to see if they still hold old details. However, you do not actually need any past details to make a complaint. You can do so just by stating what your reasons for complaint are.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 -
Here is the SARI took out a substantial loan with Argos in December 2006 and repaid it in April 2008. I'm not 100% sure but I'd be willing to bet that I had PPI and that it was probably mis-sold.
I no longer have any paperwork, so I requested a copy of the agreement, terms and conditions. They refuse to provide it, saying that s. 78 of the Consumer Credit Act 1974 doesn't apply because the loan was repaid in April 2008.
What do I do now?
https://forums.moneysavingexpert.com/discussion/1475553
If you have reasons for mis sell, http://www.moneysavingexpert.com/reclaim/ppi-loan-insurance#step2
you put a complaint into Argos.0 -
Thanks all. I think that's clarified things for me.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354.4K Banking & Borrowing
- 254.4K Reduce Debt & Boost Income
- 455.4K Spending & Discounts
- 247.3K Work, Benefits & Business
- 604.1K Mortgages, Homes & Bills
- 178.5K Life & Family
- 261.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards