Hamilton

[Paul.]

Re: Hamilton

So to get this straight,

(oh btw the copy agreement you sent i cant read the words on it)

you went to a broker to arrange the loan.

You never asked for PPI at all.

The first time you saw the PPI was when you were sent the agreement?

did you pay the broker an arrangement fee to go find you the best loan for you? or did you ask them to go specifically to this lender and arrange the deal?

i would also need to see the terms and conditions overleaf and any PPI terms supplied.

[di30]

Re: Hamilton

Sorry Di

I was having a "Stoooooooooopid" moment there, cos i replied thinking this was someone elses thread, no idea why, right, excuse me for being a dumbass

yeah i have the bloody agreement dont i, oh boy, how stupid do i feel

ill crawl back to my corner and read things properly lol

i feel a right now lol

lol, well no need Paul, it's still morning so no worries

[Paul.]

Re: Hamilton

Cheers Paul, the date of our signed agreement was 30 July 2004.

Sorry Di

I was having a "Stoooooooooopid" moment there, cos i replied thinking this was someone elses thread, no idea why, right, excuse me for being a dumbass

yeah i have the bloody agreement dont i, oh boy, how stupid do i feel

ill crawl back to my corner and read things properly lol

i feel a right now lol

[di30]

Re: Hamilton

Ok,
Cheers Paul
Some questions

Thanks DI that helped a bit but id like to get some more info
Not a problem

I assume there was PPI on this loan?
Yes,

I assume the contention is it was missold?
Yes and the way it was sold to us but PPI is the main issue

If i am right then can you let me know what grounds it was missold on please?
It was not added on the Application made by the broker Click Finance, I have a copy of this if you need me to send it to you, the Application orginally was for £21K over 240 months, but the loan agreement/Endeavour it has both loan and PPI was added on there, term 300 months, it covered just the first applicant only, so my hubby and not me, but I was still left responsible for the whole loan including PPI yet it would not cover me, as the broker/introducer did not mention the ppi or it wasn't applied to the application form, it seems it was added later on in the process so then we assumed it was all part of the package of the loan, and my husband has pre med conditions of a back condition, infact the loan was just sold to us when hubby returned to work from being off sick because of this problem, there are notes here by the underwriter as well so they know about that.

Also can you let me have the figures as they appear on the agreement and also can you tell me if it is secured or unsecured?
Loan £21K and PPI £2835

There are different rules for regulated secured loans than for unsec

Once i have this info ill check the agreement

also can you tell me the date of the agreement

Cheers Paul, the date of our signed agreement was 30 July 2004.

[Paul.]

Re: Hamilton

Ok,

Some questions

Thanks DI that helped a bit but id like to get some more info

I assume there was PPI on this loan?

I assume the contention is it was missold?

If i am right then can you let me know what grounds it was missold on please?

Also can you let me have the figures as they appear on the agreement and also can you tell me if it is secured or unsecured?

There are different rules for regulated secured loans than for unsec

Once i have this info ill check the agreement

also can you tell me the date of the agreement

[di30]

Re: Hamilton

Paul, I have sent you a Pm with details, cheers.

[di30]

Re: Hamilton

Paul I will try again.

[Paul.]

Re: Hamilton

Hi Paul have emailed you, cheers.

Hi Di


The answer to the email is no i dont

[Never-In-Doubt]

Re: Hamilton

Thanks Di - fingers crossed.

Paul, I'm thinking s.18 breach as all ppi is bundled into loan with no separate PT's.....

Please confirm

[di30]

Re: Hamilton

Hi Paul have emailed you, cheers.

[Paul.]

Re: Hamilton

good evening

I have little time im afraid to read the whole thread,

but if there is a question that needs answering ill give it a darn good go.

If there is a loan can someone point me to the agreement please so i can have a look at it etc

[di30]

Re: Hamilton

I understand this will be a help to Mags, but in regards of mine, the debt is settled, so the PPI would just be reclaimable in my case.

[di30]

Re: Hamilton

Terms and Conditions of Endeavour.

[di30]

Re: Hamilton

Oh, I have a lender signed agreement copy as well, for some reason the lender agreement (#Endeavour) were dated a month before our agreement and before the loan application taken place with the broker - Click Finance
If I come acoss it should I post the lender agreement up too?

The legal charge was also dated the same time as our agreement, on checking the borrowers declaration and insurance proposal part of the agreement, there is a part that says:
"The agreement was received by post more than 8 days after you received completed copies of the proposed Credit Agreement, the Legal Charge, Standard Security of the Mortgage and so on, how can that be if the agreement and legal charge wered signed and dated the same time (date)?

[Never-In-Doubt]

Re: Hamilton

Thanks Niddy, will do, think it was Paul who I spoke to before over LB, and said something about this, will have to check the posts again lol, thank you.

I've asked Paul to come and help..... just bear with us.