adjudicator decision, need to appeal. help!

[t18con]

I've had my adjudicator response to 3 historic loans dating back to 95,96 and 98. they haven't found in my favour. In the absence of any paperwork, they're reached their decisions based on other similar cases from the same bank. what would generally be the grounds for an appeal, where there's no paperwork whatsoever?

[dx100uk]

so you've sent the OC an SAR?

 

 

dx

[t18con]

yep, absolutely no specific paperwork from that era, similarly sent a SAR to their insurance provider, had seen their name mentioned in interoffice correspondence, they claim to have nothing either. all the adjudicators findings are based on what they believe has happened in cases of the same era etc. etc. I have asked for all documentation/information that she used in reaching her decision, but other than that I don't have a lot to appeal on.

[t18con]

I'm at the stage where the adjudicator has found in my favour on two out of three loans (I'm still fighting hard on the 3rd one).

 

On reading through their letter to the bank (the bank has until the 3rd September to reply),

 

I've found the PPI figures the FOS are quoting to the bank are way off from my own knowledge of the loans (£777 as opposed to 36 payments of £35).

 

The bank have quoted all figures supplied to the FOS are from their insurance provider, who I have SARed and been told they have nothing on record. These loans go back to 95/98 era.

 

How much work is it to get the FOS to fall back onto their £1200 "average" figure, which isn't that far off what I actually paid?

 

Any of your own experiences, suggestions would be greatly appreciated!!

 

One last question, is SAR purely for financial institutions? or can I SAR an old employer to get details of their sickness pay scheme?? from the same era btw

[dx100uk]

Have you proof of the £35pcm payments?

 

Yes you can sar employers

[t18con]

so far , no.

 

I have interoffice correspondence saying that they paid out £237 on the insurance policy for three months, which I don't really want to bring to their attention (£237 being the monthly payment),

 

I have some correspondence showing the capital part of that monthly repayment was £175, but nothing I've found showing the PPI is £35 and the interest is £27.

[dx100uk]

ah post gone missing ..or didn' tpost at 14:30 - internet gets dodgy here

 

 

if you aren't going to give the FOS all the info

then you cant expect them to make the right conclusion?

 

 

dx