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I have a loan that started with Welcome but was sold to Coast, I'm sure the amount left is incorrect but Coast don't have full statements from when Welcome owned it. I'm sure the amount that is left is wrong, but can't find anyone to help with looking into this. I've tried the Ombudsman with little help. Any Ideas?
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Subject Access Request Letter send this to them get free proof of poosting keep a file in date order> that should tell you all they know or not? for starters.
echat11 may have some other idea as well? -
Have you got dates when the loan was taken out?Comment
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I think it was about 2005 when it was taken out, I had some arrears but ended up with over £4000 in extra interestOriginally posted by echat11 View PostComment
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So you complained to the FOS, what did they say?
They say you owe this money, they need to provide statements to back that up.
Otherwise they are 'plucking figures out of thin air'.
They also need to provide you with a copy of the agreement, 2005, that will be difficult for them.Comment
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They have the agreement but not all of the statements, tried the FOS but they said they couldn't do anythingOriginally posted by echat11 View PostComment
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My position is I'm still paying the debt, but I'm sure the amount left is incorrect.Originally posted by echat11 View PostComment
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EXC might be able to help in this situation. As said previously they need to back up any figures with statements.Comment
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a) I personally would raise a dispute with them in writing (follow their complaints procedure, it will be on their website),Originally posted by BigGJM View Post
Make sure you get Proof of Postage.
b) In your letter tell them the amount is 'incorrect'. If they say the amount is 'correct', tell them you want proof, i.e. full statements etc.
In the meantime, stop paying them, put the money aside, just in case the rest of the statements are produced.
c) Make a low offer to settle the account £200. Update the thread.
d) Did you have PPI on the account?Comment
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