PPI and Court

[pompeyfaith]

Re: PPI and Court

the 1st Dec gives the bank time to comply and also time for me to still accept their offer and is worth one last chance to have a stab in the dark which it would appear i am dning are we agreed on this basis ?

[Turboman]

Re: PPI and Court

But PF was saying that the loan was active throughout and he does not have a termination notice? And also the account numbers are the same...??
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So in court would that not be the law of probablility???

Hi Marshy

He aint got a termination notice for any of them---in fact he ain't got anything apart from the 9 Agrrements--around post 40-ish--but Loan 1 agreement a few posts up

No he's got that wrong--the account numbers are different-they use a system of prefix=current a/c number + suffix to identify loan

Bloody hell Marshy-have we both stopped letting our heart be involved and veering towards Bill's views

[pompeyfaith]

Re: PPI and Court

turbs ty and no i dont mind as i am a tough cookie maybe too tough right im about to send of the letter above but still very much mindful of the 15 Dec so if i still here nothing by 1st Dec ill instruct fos that im accepting Ok

[marshallka]

Re: PPI and Court

Completely Illogical thinking PF--if you don't mind me saying

Its Simples as Alexander would say--9 separate independent loans

Missing info for Loan 1

Simples

But PF was saying that the loan was active throughout and he does not have a termination notice? And also the account numbers are the same...??
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Quite possibly---that could be why they have agreed 18 payments which co-incides

Buggar--I keep advising you to accept --- then I keep summarising things for you which helps your case!!!!

So in court would that not be the law of probablility???

[pompeyfaith]

Re: PPI and Court

turbs ty and no i dont mind as i am a tough cookie maybe too tough right im about to send of the letter above but still very much mindful of the 15 Dec so if i still here nothing by 1st Dec ill instruct fos that im accepting Ok

[Turboman]

Re: PPI and Court

Turbs thanks so if the bank gave that date but have no records they must be taking a guess by virtue of the opening of the second yes ?

Quite possibly---that could be why they have agreed 18 payments which co-incides

Buggar--I keep advising you to accept --- then I keep summarising things for you which helps your case!!!!

[pompeyfaith]

Re: PPI and Court

Turbs thanks so if the bank gave that date but have no records they must be taking a guess by virtue of the opening of the second yes ?

[Angry Cat]

Re: PPI and Court

For what its worth, I believe that banks keep records for at least 12 years, probably even to when they started using computers and, they kept ledgers prior to that.

We know that RBS/NWest retain information and also we know about their ghost/router accounts...

The following may be of interest:
http://www.guardian.co.uk/money/2007...onsumeraffairs

Perhaps, involving your MP may be of assistance?

There have been many OTR, who have been successful in obtaining old statements, prior to six years.

However, I would caution against spending too much money on legal advice; you have to weigh up the pros and cons, though.

[Turboman]

Re: PPI and Court

So you are treating all loans (every one) as a long running loan I assume and only as "one" loan so no seperate terms and conditions etc or seperate CCA only the first one? I see what you are trying to achieve now PF. Don't know how this works though??? You are thinking in line with you never actually closed the first account and just kept adding to it - is that what you are saying???

Completely Illogical thinking PF--if you don't mind me saying

Its Simples as Alexander would say--9 separate independent loans

Missing info for Loan 1

Simples

[marshallka]

Re: PPI and Court

October 2000 no where did you get that from the loan account was not closed until 2009 and perhaps the question be why did they close the account as surely that has to be unlawful given that there was enough redress to settle this loan

So you are treating all loans (every one) as a long running loan I assume and only as "one" loan so no seperate terms and conditions etc or seperate CCA only the first one? I see what you are trying to achieve now PF. Don't know how this works though??? You are thinking in line with you never actually closed the first account and just kept adding to it - is that what you are saying???

[Turboman]

Re: PPI and Court

October 2000 no where did you get that from the loan account was not closed until 2009 and perhaps the question be why did they close the account as surely that has to be unlawful given that there was enough redress to settle this loan

From the detailed calculation sheets--see post 511

Date of rebate/settlement 9/10/2000 (Loan 2 sheet also gives an opening date of 23/11/2000)

This is a closed loan PF--you are effectively challenging the £0.00 in boxes

• n (PPI Rebate)
• & box p (Settlement Amount)

[pompeyfaith]

Re: PPI and Court

marshy i have not contacted a solicitor yet merely stated that an LBA from one may make them see sence and perhaps a 1 hr consultation with one will tell me if there are any laws that can be used and what are the chances of winning on the strength of the evidance i already have

[pompeyfaith]

Re: PPI and Court

the loan account has been active thoughout the account number is the same on all loans bar to extra digets which again are the same on some
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oh and i have never had a termination notice

[pompeyfaith]

Re: PPI and Court

October 2000 no where did you get that from the loan account was not closed until 2009 and perhaps the question be why did they close the account as surely that has to be unlawful given that there was enough redress to settle this loan

[marshallka]

Re: PPI and Court

I have asked this all along and will ask again. What laws would your solicitors be able to use for getting information on a "closed account" that was closed over 10 years ago? I know for even Tax puposes a business is usually required (reasonable) to keep records for 7 years.... if a judge can "make" a firm go back further then surely this opens up for all to get redress's on accounts going back 20, 30 years or more.... ???? You mention a solicitor is the way to go on this so they must know what laws they are using.