Likely Loans - Been trying to get my loan agreement.

aidy1972uk

Hello all! First post and it may go on a bit.
My question is where do I stand here after such a simple request. They have pretty much ignored me so far. In my opinion, I've given them more than enough time and I think I should act on my threat.

Below is my communications with them summed up in a final email. I've removed some personal information:
_______________________________________________________________________
Communications between myself and you;

From me on 09/01/2017:

Hello,

I'm trying to find my loan agreement.

I've looked through my emails and I cannot seem to find any information.

I see you currently do not support log in on website and given I wouldn't delete such email, I assume I was never sent one.

I've not received anything in the post either.

If possible, could you (re) send me the loan agreement which hopefully includes the payment schedule to this address?

Provided date of birth, should you need any more security information, please feel free to contact me.

Or, if at very least could you provide the final payment date and amount if different from the current £55.17. So I can update my records.

Many Thanks.

Mr A*** T******.

DOB:**/**/****
Your Reply on 10/01/2017:

From: Likely Loans Mailbox
Sent: 10 January 2017 10:43
To: **************
Subject: RE: My loan information

Good morning,

Thank you for contacting Likely Loans.

So that we may assist you further, please ensure you are emailing from the email address supplied at application.

Alternatively, please confirm your full name, date of birth and full address including postcode and advise if you wish for us to update any contact details that are held for you.

Additionally, you may also wish to contact our Customer Service Team on 0208 080 6450. Our opening hours are 8am-8pm Monday to Friday.

Kind Regards

The Likely Loans Team

Oakbrook Finance

Please take note that I’ve emphasized a word, a key word within this communications.

My Reply on 10/01/2017:

Thanks for getting back to me.

I believe this is the email address I used during sign up. If not then it'd be a******@n********.com

Address:
My
Full Address
Removed
For Obvious
Reasons On Forum!
Date of Birth: DOB REMOVED ON FORUM

If it is other email, please update my info with this address. If the requested information could be sent here, I'd be most grateful.

Thanks again.

Mr. A T*********.

To which you reply on 16/01/2017 (great response time, by the way)

Good Afternoon Mr T*********,

Thank you for your email.

Unfortunately the email address that you have used does not match any records on our system.

We are only able to respond to an email if it is sent from the email address held on the agreement.

Please contact our office on 0208 080 6457 and we will be happy to address your query, and update any details where necessary.

Many thanks

Sophie

The Likely Loans Team

Now, I may not be the most literate person on the planet but I’m pretty sure Alternatively means pretty much what I communicated, even to the point an alternate email address included within the email just in case I was sending from incorrect email. I only really use the 2 addresses (this one and the a******ll@gmail.com) so it was going to be one or the other.

If I was to be asking for bank details, I’d understand your reluctance supply that information. However all I’m asking for is a copy of the loan agreement and since I am unable to use your website to do such a thing and I can find no record of an agreement being sent to either of the supplied email addresses I can only assume I’ve never made any agreement with you according to a written agreement I’ve yet to see.

Either send me the loan agreement or at very least the originally requested final repayment date or I will have to assume there’s no contract between us and stop payments.

At which point, I’m sure you will be very quick to contact me asking where your money is, then you will start to threaten “other methods” of payment collection. Which will no doubt end in you trying to take me to court and I’m pretty certain taking this information to a court after me making such a reasonable request the court would fall in my favour.

I am not trying to dodge out of payments, or trying to get out of paying you altogether, I simply want to see that loan agreement. I can still afford payments and have been slowly building my credit rating back up by making payments on time.

I do not want to cause any problems for either of us. All required information you should need for such a trivial request is included within this communication.

I look forward to a resolution.
Many Thanks.
________________________________________________________________________

How do you think I should act here? Am I being unreasonable? Given they've never had my actual signature on paper, I've read in past cases have been thrown out of court in favour of the customer in such circumstances.

I want to reiterate what I said in the communications; I'm not trying to get out of paying them. I just want a copy (another maybe) of the loan agreement!

I've yet to ring them as I really cannot be dealing with any Customer Service Advisors!

I've searched high and low through the 2 email accounts. I retrieve my main account via windows live mail. However anything I do there deletion wise, is not reflected on the Virgin Email Webpage. Every email ever sent and received on that account are still present on VM's webmail page.

[Deleted User]

Can you summarise in one sentence what the issue is?

IAmWales

Until you make the effort to call them as they have requested, you are being unreasonable.

DCFC79

Deleted_User wrote: »

Can you summarise in one sentence what the issue is?

OP is trying to get a copy of the agreement but unable to do so but as of yet they haven't phoned them, all communications are via email.

Just call them OP.

Pixie5740

aidy1972uk wrote: »

Hello all! First post and it may go on a bit.
My question is where do I stand here after such a simple request. They have pretty much ignored me so far. In my opinion, I've given them more than enough time and I think I should act on my threat.

Below is my communications with them summed up in a final email. I've removed some personal information:
_______________________________________________________________________
Communications between myself and you;

From me on 09/01/2017:

Hello,

I'm trying to find my loan agreement.

I've looked through my emails and I cannot seem to find any information.

I see you currently do not support log in on website and given I wouldn't delete such email, I assume I was never sent one.

I've not received anything in the post either.

If possible, could you (re) send me the loan agreement which hopefully includes the payment schedule to this address?

Provided date of birth, should you need any more security information, please feel free to contact me.

Or, if at very least could you provide the final payment date and amount if different from the current £55.17. So I can update my records.

Many Thanks.

Mr A*** T******.

DOB:**/**/****
Your Reply on 10/01/2017:

From: Likely Loans Mailbox
Sent: 10 January 2017 10:43
To: **************
Subject: RE: My loan information

Good morning,

Thank you for contacting Likely Loans.

So that we may assist you further, please ensure you are emailing from the email address supplied at application.

Alternatively, please confirm your full name, date of birth and full address including postcode and advise if you wish for us to update any contact details that are held for you.

Additionally, you may also wish to contact our Customer Service Team on 0208 080 6450. Our opening hours are 8am-8pm Monday to Friday.

Kind Regards

The Likely Loans Team

Oakbrook Finance

Please take note that I’ve emphasized a word, a key word within this communications.

My Reply on 10/01/2017:

Thanks for getting back to me.

I believe this is the email address I used during sign up. If not then it'd be a******@n********.com

Address:
My
Full Address
Removed
For Obvious
Reasons On Forum!
Date of Birth: DOB REMOVED ON FORUM

If it is other email, please update my info with this address. If the requested information could be sent here, I'd be most grateful.

Thanks again.

Mr. A T*********.

To which you reply on 16/01/2017 (great response time, by the way)

Good Afternoon Mr T*********,

Thank you for your email.

Unfortunately the email address that you have used does not match any records on our system.

We are only able to respond to an email if it is sent from the email address held on the agreement.

Please contact our office on 0208 080 6457 and we will be happy to address your query, and update any details where necessary.

Many thanks

Sophie

The Likely Loans Team

Now, I may not be the most literate person on the planet but I’m pretty sure Alternatively means pretty much what I communicated, even to the point an alternate email address included within the email just in case I was sending from incorrect email. I only really use the 2 addresses (this one and the a******ll@gmail.com) so it was going to be one or the other.

If I was to be asking for bank details, I’d understand your reluctance supply that information. However all I’m asking for is a copy of the loan agreement and since I am unable to use your website to do such a thing and I can find no record of an agreement being sent to either of the supplied email addresses I can only assume I’ve never made any agreement with you according to a written agreement I’ve yet to see.

Either send me the loan agreement or at very least the originally requested final repayment date or I will have to assume there’s no contract between us and stop payments.

At which point, I’m sure you will be very quick to contact me asking where your money is, then you will start to threaten “other methods” of payment collection. Which will no doubt end in you trying to take me to court and I’m pretty certain taking this information to a court after me making such a reasonable request the court would fall in my favour.

I am not trying to dodge out of payments, or trying to get out of paying you altogether, I simply want to see that loan agreement. I can still afford payments and have been slowly building my credit rating back up by making payments on time.

I do not want to cause any problems for either of us. All required information you should need for such a trivial request is included within this communication.

I look forward to a resolution.
Many Thanks.
________________________________________________________________________

How do you think I should act here? Am I being unreasonable? Given they've never had my actual signature on paper, I've read in past cases have been thrown out of court in favour of the customer in such circumstances.

I want to reiterate what I said in the communications; I'm not trying to get out of paying them. I just want a copy (another maybe) of the loan agreement!

I've yet to ring them as I really cannot be dealing with any Customer Service Advisors!

I've searched high and low through the 2 email accounts. I retrieve my main account via windows live mail. However anything I do there deletion wise, is not reflected on the Virgin Email Webpage. Every email ever sent and received on that account are still present on VM's webmail page.

They have asked you to either phone them or email them from the account you originally used. You have done neither and continued to contact them using an email account not associated with your loan account. Telling them what your other email address is is not the same as emailing them from that other account.

aidy1972uk

I have actually used both possible email addresses I would use to gain the information to no avail.
I will ring them and see what results I get there.

Shakin_Steve

The point about not having your signature is irrelevant these days. I have provided an electronic signature on all of my loans with Barclays, and there have been a few over the years.

RichL74

Another vote for 'call them' here.

PeacefulWaters

Borrow money from stupidly named loan company = higher risk of problems.

jonesMUFCforever

DCFC79 wrote: »

OP is trying to get a copy of the agreement but unable to do so but as of yet they haven't phoned them, all communications are via email.

Just call them OP.

Can I add probably looking for either a way not to repay an amount borrowed or trying for compo.