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Alliance and Leicester ppi
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I'm in a similar boat:
I had a loan with A&L back in 2004 but I no longer have any of the paperwork. I did an on-line PPI check with Santander who wrote back to me and said they couldn't locate any data.
I managed to obtain statements from my building society which shows the money arriving into the account and the subsequent monthly payments afterwards. Will this be of any help to Sandander to locate my details or is doing an SAR with Santander is my only avenue left to try? I'm assuming Experian won't have any useful data going back 14 years ago.
Many thanks0 -
Contact Santander in the first instance providing them with the information you have found - note however if they no longer hold records and none of your documents elude to the existence of PPI then you don’t have a complaint worth persuing.
Hope this helps0 -
Thread is from 20120
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An old thread I know.
I had a loan with A&L around 1999. I sent the online form through to Santander and have just had a letter giving an account number and confirming that I did have PPI. However, I’m not sure the account number relates to the loan account.I also had a few store cards with Burtons, Comet and the like. I’m going to phone tomorrow and get details of the account... are Santander obliged to supply me with details over the phone or do I have to write still?
I took out the loan by phone and I was never told about PPI. Had I been asked I would have refused as I had already had a PPI claim rejected by Barclays in 1997 following being sacked and had realised that it was all a scam then. I was also teaching at the time and had all the benefits of full sick pay etc that comes with that. I may well have signed the form without properly reading what I was signing; but, as I said, no one explained to me what the benefits were and even if they had I would have refused it.
Just goes to show the importance of checking all old loans you remember even if you don’t have paperwork. I was pretty sure I only ever had PPI with Barclays on the first loan I ever took out, but looks as if I was wrong!
Luckily I should sneak under the deadline!0 -
An old thread I know.
I had a loan with A&L around 1999. I sent the online form through to Santander and have just had a letter giving an account number and confirming that I did have PPI. However, I’m not sure the account number relates to the loan account.
Ring and ask them which it wasI also had a few store cards with Burtons, Comet and the like. I’m going to phone tomorrow and get details of the account... are Santander obliged to supply me with details over the phone or do I have to write still?
If they can find them, they will tell you, if not you might need to write to themI took out the loan by phone and I was never told about PPI.
Yes you were. Even in the incredibly unlikely scenario of a staff member committing fraud by adding it without your knowledge, it would be on the paperwork you signed/received as the amount wouldn't match what you agreed.Had I been asked I would have refused as I had already had a PPI claim rejected by Barclays in 1997 following being sacked and had realised that it was all a scam then.
PPI doesn't cover you being sacked, fairly logically as people would just take it out and get themselves chucked out and live off the PPI for as long as it paid out. It covers redundancy, sickness etc. That would have been explained on the PPI paperwork, not reading that doesn't mean it's a scam.I was also teaching at the time and had all the benefits of full sick pay etc that comes with that. I may well have signed the form without properly reading what I was signing; but, as I said, no one explained to me what the benefits were and even if they had I would have refused it.
Again, not possible, you didn't read the paperwork and forgot the phone call, hardly surprising when 20 years has gone by. No use having sick benefits if you can be made redundant is it?
No luck needed, so long as the complaint is made before the deadline it has to be considered.Luckily I should sneak under the deadline!Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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I wonder will the OP return to tell you how wrong you were and how his complaint was upheld on the basis he complained of?Yes you were. Even in the incredibly unlikely scenario of a staff member committing fraud by adding it without your knowledge, it would be on the paperwork you signed/received as the amount wouldn't match what you agreed.
Certainly has form
https://forums.moneysavingexpert.com/discussion/comment/75027526#Comment_750275260 -
Moneyineptitude wrote: »I wonder will the OP return to tell you how wrong you were and how his complaint was upheld on the basis he complained of?
Certainly has form
https://forums.moneysavingexpert.com/discussion/comment/75027526#Comment_75027526
Ah yes, we shall see. Never did get to see the copy of the letter did we
Sam Vimes' Boots Theory of Socioeconomic Unfairness:
People are rich because they spend less money. A poor man buys $10 boots that last a season or two before he's walking in wet shoes and has to buy another pair. A rich man buys $50 boots that are made better and give him 10 years of dry feet. The poor man has spent $100 over those 10 years and still has wet feet.
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Moneyineptitude wrote: »I wonder will the OP return to tell you how wrong you were and how his complaint was upheld on the basis he complained of?
Certainly has form
https://forums.moneysavingexpert.com/discussion/comment/75027526#Comment_75027526
Looks like someone is still a little miffed!0 -
Months on, I simply remain unconvinced.0
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