A few minutes of your time could earn you thousands.

Full text

(1)

Maple Leaf Financial Ltd. Registered in England. Company No. 6758995. VAT Registration No. 944 5541 11

Regulated by the Ministry of Justice in respect of regulated claims management activities.

Ministry of Justice CRM number: 18097

Registered Office: Gibbs House, Kennel Ride, Ascot, Berkshire, SL5 7NT

Phone: 0800 432 0217

www.maplefinancial.co.uk

Some of our recent

successful PPI

settlements.

£1,431.76 from Citi

Financial

£51,657.58 from

Lloyds TSB

£5,068.54 from Egg

Banking

£5,619.78 from Egg

Banking

£6,217.18 from

Barclays

£11,942.86 from

Barclays

£9,056.51 from Lloyds

TSB

£3,093.39 from First

Plus

£3,616.65 from Halifax

£19,468.00 from First

Plus

And many more

A few minutes of your time could earn you thousands.

Welcome to Maple Leaf Financial Ltd.

We are pleased to follow up with your NO WIN, NO FEE Payment Protection

Insurance dispute. The enclosed claim pack is all you need to get your claim

underway. This is an interactive pack which means you will be able to complete all

the details on screen before printing, signing and returning to us. Alternatively, you

can print and complete by hand.

The paperwork is easy to complete. All you need to do is compete the PPI

Questionnaire and the Letter of Authority and provide us with a copy of your credit

agreement. Don’t worry if you can’t find a copy of your agreement, just complete the

‘Request for information form’ and we will apply for it for you. Lastly, sign our Terms

and conditions and your done. It’s that easy.

Once all the paperwork has been received, we will allocate your claim to our PPI

Claims Team, who will immediately begin the claims process of GETTING YOUR

MONEY BACK.

Post all documents to:

Maple Leaf Financial Ltd

Maple Leaf Processing Centre

The Barn, Islington Lodge

Cold Overton Road

Langham

Rutland

LE15 7JG

Please call our Processing Centre on 0800 043 3469 if you would like any help in

completing these documents or have any further questions. Further information is

also available at www.maplefinancial.co.uk.

So why not take a few minutes. You could be owed thousands.

Yours Sincerely,

(2)

INTRODUCER:

REP

1.Terms and Conditions

Please complete all sections and read through the terms and conditions before signing.

Your name and contact details

2

nd

applicant if applicable

Surname title title

First names(s)

Date of birth

Address for writing to you

Home phone mobile

Work Phone email

Please read through the terms and conditions and if you agree sign, date and return to us. Maple Leaf Financial (MLF) is regulated

by the Ministry of Justice in respect of regulated claims management activities; our authorisation number is CRM 18097.

Terms and Conditions of Engagement

Our Fees:

1. We will charge you 25% plus VAT of any

compensation recovered for you including any

money removed from your loan, before repaying the

balance to you.

Example based on recovering £1500 for you.

Our Fee: £1,500 x 25% = £375 +vat (£450)

You would receive £1050.00 as your compensation.

2. You instruct us to bank any compensation in our

client account, deduct our charges and pay the

balance to you.

3. If compensation is paid directly to you, you commit

to pay 25% (+VAT) of any such payment to Maple

Leaf Financial Ltd within five working days of

receiving it.

4. If settlement is made in another way i.e. the loan

being reduced or written off, then a fee of 25% (plus

VAT) of this amount is still payable and will be paid

by you within five days of receiving notification that

this happened or a request for payment by us.

5. If you withdraw instructions at any time, then you

agree to pay our reasonable charges based upon

the work that we had done to the point when

instructions were cancelled. If we do not consider

that we have prospects of success or are unable to

pursue this matter further then NO fee will be

payable by you.

Governing Law

This agreement is subject to the laws and

jurisdiction of England and Wales.

This agreement is a legally binding contract and in

signing it you are accepting its terms and

conditions.

We the undersigned have read and fully understand and

accept the above terms and conditions and agree to be

bound by them.

Client 1 Name:

Client 1 Signature:

Client 2 Name:

Client 2 Signature:

Date:

In the event of a successful claim your Payment

Protection Insurance policy will be cancelled and it is your

responsibility to arrange replacement cover if required. If you

would like us to recommend an independent financial advisor

please tick the box.

(3)

Customer copy. Please leave with the customer.

Maple Leaf Financial Ltd. Registered in England. Company No. 6758995. VAT Registration No. 944 5541 11 Regulated by the Ministry of Justice in respect of regulated claims management activities.

Ministry of Justice CRM number: 18097

Registered office: Gibbs House, Kennel Ride, Ascot, Berkshire, SL5 7NT Phone: 0800 432 0217

Terms and Conditions of Engagement

Our Fees:

1. We will charge you 25% plus VAT of any compensation recovered for you including any money removed from your loan, before repaying the balance to you.

Example based on recovering £1500 for you. Our Fee: £1,500 x 25% = £375 +vat (£450) You would receive £1050.00 as your compensation. 2. You instruct us to bank any compensation in our client

account, deduct our charges and pay the balance to you. 3. If compensation is paid directly to you, you commit to pay 25%

(+VAT) of any such payment to Maple Leaf Financial Ltd within five working days of receiving it.

4. If settlement is made in another way i.e. the loan being reduced or written off, then a fee of 25% (plus VAT) of this amount is still payable and will be paid by you within five days of receiving notification that this happened or a request for payment by us.

5. If you withdraw instructions at any time, then you agree to pay our reasonable charges based upon the work that we had done to the point when instructions were cancelled. If we do not consider that we have prospects of success or are unable to pursue this matter further then NO fee will be payable by you.

What we expect from you;

1. You agree to provide us with the exclusive authority, to the exclusion even of yourself, to pursue your claim and to enter on your behalf into correspondence and negotiations with your provider company. Unless otherwise agreed in writing by you and us.

2. You agree to provide us promptly with all relevant information and items we request to enable us to pursue your case. This might for example include, requests by us for further authority, information, documents, paperwork or further instructions that we may need.

3. You agree to cooperate with us (including sending to us any correspondence you receive directly from the loan/mortgage provider).

4. You agree to provide us with clear instructions. 5. You agree not to ask us to work in an improper or

unreasonable way or to mislead us.

6. You agree to have any cheques payable to Maple Leaf Financial Ltd so we can bank them, or (if the cheque is instead made payable to you but received by us) to pay it into our client account and deduct our fees and send to you the balance within five working days.

7. You agree, having read our terms and conditions and returned the Letter of Authority to let us act on your behalf and to be bound by these Terms and Conditions of Engagement for such a period as to allow us the time to assess and if reasonably possible, complete any Claim.

8. You agree to indemnify us against any and all actions, claims, costs, damages, demands, expenses, liabilities, losses and proceedings directly or indirectly incurred or which are brought against us if you have acted fraudulently, been negligent or breached your agreement. We shall not be held responsible for any action taken by your financial institution as a result of any claim made on your behalf.

9. You agree by signing and returning the Letter of Authority to answer all questions openly and honestly and to declare any incidence of fraudulent activity or past criminal activity which may have an effect on this claim. Failure to do so may render this agreement invalid and the client will then be liable to any costs involved.

10. You agree to promptly inform us of any relevant matters affecting the claim, such as direct contact from your insurer, provider, loan or credit-card Company, debt collector and the like.

11. You agree to pay the Company directly where the issuing company requests a fee to produce duplicate policy documents or administer this claim.

12. You are aware that you may pursue this claim with the Company or the Financial Ombudsman Service yourself, instead of using our services.

13. You agree to read all of our terms and conditions and to sign to say that you have understood them.

What Maple Leaf Financial will do for you:

1. We will assess your credit card/loan/mortgage agreement and any Accident, Sickness and Unemployment (ASU) or Payment Protection Policy (PPI) and, if appropriate, pursue on your behalf, a claim for compensation under any relevant law. 2. We will provide this service on a "Contingency Fee" basis. A

"Contingency Fee" is a fee that is only charged if compensation is recovered and is assessed on an agreed percentage of the amount recovered.

3. We will rely on information and documents provided by you as being correct, true, accurate and complete. We will not check such information except where we are under legal obligation to do so.

4. We will assist you in completing all or part of our application, and/or any subsequent forms, if necessary.

5. We will use our best endeavours to ensure that you obtain the maximum Compensation for any Claims which are pursued. 6. We reserve the right to use our judgment and decide at any

time whether to accept any offers made.

7. We will promptly notify you if the Claim will not be pursued. We have sole discretion in deciding to proceed or not with the Claim at any time during the claims process and we will act reasonably in this decision.

8. We will communicate all decisions along with any progress to the client in a timely manner.

9. We will promptly notify you of the outcome of any Claims. 10. We will forward to you the monies agreed in settlement of your

claim as soon as possible after the deduction of our agreed Fee as described in 'Our Fees'.

11. We will preserve your confidentiality, including your personal information (even after the event) apart from expressly or implicitly authorised to do so including where disclosure is made following your request or with your consent in relation to pursuing either the claim or required by law.

12. We will if appropriate, organise for a solicitor to pursue a claim on your behalf for the recovery of your losses arising out of mis-selling of any PPI policy that you provide details for. What Maple Leaf Financial will NOT do for you:

1. We will NOT advise you to pursue a claim that in our opinion has no realistic chance of success, or where the amount at issue does not in our opinion justify the likely work involved and we reserve the right to cancel this agreement if we form this opinion.

2. We will NOT advise you to accept an offer that we consider inadequate or to reject an offer that we consider to be reasonable.

3. We will NOT give or offer you any financial advice. 4. We will NOT advise you to seek alternative Payment

Protection Insurance in anticipation of its cancellation, but you may consider this to be a prudent step to take.

5. We will NOT take steps to remove any negative credit entry that your Insurer/Lender may have registered against your name.

6. We will NOT accept liability for any rejected or unsuccessful claims or the amount of compensation or refund paid to you. Cancellation and Complaints:

a) You have a 14 day ‘Cooling off Period’, from the date of signing the declaration, in which you can cancel this agreement.

b) All cancellations must be made in writing to:

Compliance Officer, Maple Leaf Financial Ltd, Gibbs House, Kennel Ride, Berkshire, SL5 7NT

c) Should you cancel this agreement for any reason outside the 14 day cooling-off period from the date of signing the declaration, you may be required to pay MLF the minimum administrative set-up fee of £285 + VAT.

d) If you are unhappy with our service, conduct or decision making you should write to the Complaints Officer at the address above

Data Protection

1. You will offer any data required, and to the best of your knowledge this data shall be truthful.

2. MLF shall store and use this data for the purposes or this claim and where instructed to do so pass the data on to any of its representatives.

3. The client can at anytime contact MLF and request details of where and how any data is stored.

4. MLF might offer this data to a Court of Law or Law

Enforcement Officer from any number of agencies should they be required to do so.

(4)

Please leave with the customer

Mis-sold PPI – Frequently Asked Questions

Maple Leaf Financial Ltd is authorised and regulated by the Ministry of Justice.

Our CRM Registration Number 18097 is recorded on the Ministry Of Justice website at

www.claimsregulation.gov.uk

.

If you've taken out a loan or credit

card, it's likely you would have been

offered PPI with it. This is a form of

insurance designed to cover your

repayments for a year in the event of

an accident, sickness or

unemployment. PPI itself isn't a bad

product, but it's been widely mis-sold

with millions of loans and credit

cards, leaving many paying huge

amounts of money for potentially

worthless cover.

What can I claim on?

You can claim on PPI - Single

Premium Policies. This type of policy

is paid for in full and upfront to the

insurance company at the beginning

of the policy. Most loan companies

will finance the full cost of the policy

by adding the cost onto your loan.

They forget to tell you that you will

also be paying interest on that

amount at the loan interest rate for

the full term of the loan. You can also

claim on the monthly PPI premiums

that have been added to your credit

card.

Have I been Mis-Sold?

The real profit from selling loans often

doesn't come from the products

themselves, but from the insurance

sold alongside. However, just

because you have PPI on your loans

or credit card, it does not entitle you

automatically to compensation.

Nevertheless, in many cases the

protection wasn’t sought or desired

and many customers don’t even

know they have it. The advisor who

sold you the insurance is responsible

to ensure you both understood the

terms of any PPI and that the policy

was appropriate for you. You may

have been told that the insurance

was compulsory – it isn't, and that

alone counts as mis-selling or you

may have been told or led to believe

that you wouldn’t get the loan without

taking the insurance. Plus, the

self-employed, unself-employed, retired and

those with pre-existing medical

conditions, or those who were

covered elsewhere, have all

commonly been sold unnecessary

policies.

What is the service you provide?

We will work with you to ensure that

you get the correct settlement or

refund and any and all fair

compensation that may be due to you

as a result of mis-selling. We will deal

directly with your provider, be it a

bank or insurance company and

neither we nor our specialist claims

team will be fobbed off by them at

any stage. If their offer is too low or

derogatory and they won’t take us

seriously we will challenge them on

your behalf. There will be little

required from yourself by way of

input.

What compensation will I receive?

Our primary goal is to put you back in

the positions you would of been if you

had not taken the PPI in the first

place. Your claim will typically result

in the recovery of the whole of the

PPI premium that has been added to

your loan or credit card, PLUS the

interest, PLUS in some cases

statutory interest. We would also

expect any PPI remaining in your

loan to be removed.

Can I still claim if I no longer have

the policy or the agreement is

repaid?

Yes, even if the policy is no longer in

place and the loan or credit card has

been repaid, if you feel you were

mis-sold, you can still make a claim for

compensation and a refund of the

premiums paid. You might have had

a loan and then consolidated this

loan or other borrowings into a single

new loan. You can make a claim on

all the old loans not just the current

loan.

Can’t I just cancel the policy

myself?

Yes of course you can. However,

cancelling a single premium policy

can be challenging as typically these

policies offer very little in the way of a

refund. The insurance company’s

typical answer is that all the risk is in

the early years and therefore the

refund may be very small and

disproportionate. You can cancel

monthly PPI premiums added to your

credit card at any time.

Can I do this myself?

Yes you can. It may be time

consuming and some claimants find

the process intimidating. You will

need to calculate all the premiums

and interest yourself to ensure you

are getting a correct settlement.

When you use our service, we do all

the work for you.

How much does it cost?

There are no upfront charges. We will

charge you 25% plus VAT of any

compensation recovered for you

including any money removed from

your loan. You have a 14 day

‘Cooling off Period’ from the date of

signing our terms and conditions, in

which you can cancel this agreement.

How far back can I go?

The FSA commenced regulation of

PPI sales in January 2005. However,

the Financial Ombudsman Service

will still look at cases before 2005

and will apply the various codes that

were in place at the time from the

insurance and banking industry.

There are however some exceptions

to this rule, in particular for non-high

street bank lenders. Please be aware

that under the Data Protection Act, a

lender only has to keep your

paperwork for 6 years once you have

paid off your loan or credit card.

How long does it take?

This will vary from Lender to Lender

but on average 2 to 4 months,

although some claims can be much

quicker than this. If we then have to

send your claim to the Financial

Ombudsman Service (FOS) or the

Financial Service Compensation

Scheme (FSCS) then it may take 8-9

months.

What should I do if my lender

contacts me directly.

If you receive any correspondence

directly from your lender please

inform us and forward the documents

to us as soon as possible. Please do

not accept any offer of settlement

sent to you directly from the lender

without first seeking advice from us.

This is very important as we are then

able to ensure you receive a

complete payout including the

interest and compensation you are

entitled to.

Important.

Please be aware that as part of the

claims process your PPI policy will be

cancelled and you will no longer be

covered. We suggest you speak to an

independent IFA who will advise you

of appropriate insurances that are

suitable for your needs.

Contact Details

Postal Address:

Maple Leaf Financial Ltd

Maple Claims Processing Centre

The Barn, Islington Lodge

Cold Overton Road

Langham, Rutland

LE15 7JG

Ph:

0800 043 3469

Fax:

0800 066 4292

Email:

claims@maplefinancial.co.uk

www.maplefinancial.co.uk

Registered Office:

Gibbs House, Kennel Ride

Ascot, SL5 7NT

Maple Leaf Financial Limited is a

UK-registered Limited Company.

Registration Number 6758995.

(5)

£

£

£

£

PPI Questionnaire

- Complete one Questionnaire per PPI claim.

Please complete the questionnaire as accurately as possible. Your answers will form the basis of your claim against

your lender.

Lender

Account number

PPI policy number

Date agreement

(if known)

started:

Did the PPI provide either single cover (to cover just you) or joint cover (to cover you and your partner)?

Single Cover

Joint Cover

Don’t know

What was the Payment Protection Insurance sold to cover you for?

Personal Loan

Business Loan

Overdraft

Credit Card / Store Card

Mortgage

Car Finance

Home Improvement Loan

Total loan amount or average credit card balance:

PPI Amount:

How long was the loan taken out for?

How much is the monthly payment?

Monthly cost of PPI

(if known)

Are you up to date with the payments?

Yes

No

Is this agreement currently part of an IVA, Debt Management Programme or been sold to a Debt company?

Yes

No

If Yes, Please explain.

What did you borrow the money for (or take the credit) for?

For example – to purchase a car , for home improvements, for everyday spending or to pay off other debts.

How was the insurance sold to you?

In Branch

By Post

Over the telephone

You were given a leaflet to fill in

Over the internet

In your own home

Car Showroom etc

Who arranged the loan for you?

Lender

Broker

Other third party

What is the current situation with the Insurance?

The insurance is still running

The insurance was cancelled early.

If so, confirm cancellation date

The loan was paid off early and therefore the insurance ended.

If so, confirm cancellation date

The insurance ended when the loan was completed or when the credit card account was closed.

Have you tried to claim on the policy and been refused?

Yes

No

(6)

If Yes, how much have you been paid?

Have you successfully claimed on the policy?

Yes

No

Have you previously complained to the Policy Provider? If yes, please provide copies of your complaint and the firm’s

response.

Yes

No

At the time you took out the insurance what was your employment status?

Yourself

Partner

Employed

Employed

Self Employed

Self Employed

Not working/unpaid work

Not working/unpaid work

Contract/temporary worker

Contract/temporary worker

Retired

Retired

Other such as government worker

Other such as government worker

What was your occupation at the time?

What is your occupation now?

Did you have any other means of making your repayments if you were unable to work through sickness,

accident or unemployment?

Yes

Yes

No

No

If Yes, Please give details.

Yes

No

Did the lender or broker check your circumstances before recommending the PPI?

Yes

No

Did you actually request PPI?

Yes

No

If no, was it added anyway without your permission?

Yes

No

Was the PPI Optional? If this was the case was that made clear to you?

Yes

No

Did you believe that you wouldn’t get the loan/credit card without taking the PPI?

Yes

No

Were you told PPI would help you get the loan/credit card?

Yes

No

Were the costs, benefits and terms of the insurance explained to you in detail?

Yes

No

Did you know you could get PPI elsewhere?

Yes

No

Did your advisor explain to you about any significant exclusions included within the policy

wording? For example, the exclusion of any pre-existing medical conditions.

Yes

No

Were you asked about your medical history?

Yes

No

At the time you took out the policy did you or your partner have any pre-existing health

problems or were you registered as disabled?

(7)

This section is for loans only. (Not applicable to credit cards.)

Yes

No

Upon taking out the loan was it disclosed by your advisor that the premium was payable as

an upfront cost? Eg. As one single payment.

Yes

No

Was it clearly explained to you that the PPI was to be added to your loan and therefore you

would be charged interest on top of it?

Yes

No

Single premium PPI normally only lasts for 60 months (5 years). If your finance agreement

N/A

was for longer than 5 years, did your adviser spell out clearly that the PPI cover would

stop before you had finished making your repayments on the agreement and that you would

have to continue to pay additional interest on the insurance premium, even after the

insurance expired.

Yes

No

Were you told the full and monthly cost of your PPI?

Yes

No

Were you just given a monthly cost for your PPI?

Yes

No

Were you given two quotes, one with PPI and one without?

Yes

No

Were you aware that you were applying for 2 loans. The first for the loan amount and the

second for the PPI?

Yes

No

As a result of any of the above concerns, looking back, were you able to make an informed

decision as to whether this insurance was appropriate for you?

Please tell us why you are now unhappy with the insurance and why you should have your money back?

Applicant 1 Name:

Applicant 2 Name:

Signature

Signature

(8)

Maple Leaf Financial Ltd. Registered in England. Company No. 6758995. VAT Registration No. 944 5541 11

Regulated by the Ministry of Justice in respect of regulated claims management activities.

Ministry of Justice CRM number: 18097

Registered Office: Gibbs House, Kennel Ride, Ascot, Berkshire, SL5 7NT

Phone: 0800 043 3469 ♦ Fax: 0800 066 4292

Letter of Authority

Complete one Letter of Authority per PPI agreement

.

This is an authority and instruction to act on behalf of the client(s) and to

provide information to Maple Leaf Financial Ltd.

Lender:

Account number

To whom it may concern:

Please take this letter as my/our instruction to you, the credit provider/insurer/broker/bank, to deal directly

with Maple Leaf Financial Ltd or its agents in respect of my claim against you and the recovery of my/our

money and to provide them with any information they request including the provision of full records in

relation to my Credit Agreement.

I/we hereby authorise Maple Leaf Financial Ltd or its agents to act on my/our behalf as my/our sole claims

management company in the handling of the claim and recovery of monies in relation to mis-sold payment

protection/unenforceable regulated Credit Agreements/unauthorised charges or any other financial matter

and/or full authority to refer the Company’s actions to the Financial Ombudsman Service if this is believed

to be in my/our best interest. I/we give Maple Leaf Financial Ltd full authority to issue proceedings directly

or to instruct a firm of solicitors to act and or issue proceedings in relation to this claim.

In the event that Maple Leaf Financial Ltd or its agents need to contact a third party to progress the claims

management any further for any reason I/we hereby give my/our authority and consent for the third party to

provide Maple Leaf Financial Ltd with any information they request and may require to pursue my case and

or my/our money.

I/we have read and accept Maple Leaf Financial Ltd terms and give them full authority to handle my case

exclusively and directly against the credit provider/insurer/bank and recover money owed to me/us on

my/our behalf.

Your Name and Contact Details

2

nd

Applicant if applicable

Surname

First

names(s)

Date of

birth

Address

Signature

Date :

(9)

Maple Leaf Financial Ltd. Registered in England. Company No. 6758995. VAT Registration No. 944 5541 11

Regulated by the Ministry of Justice in respect of regulated claims management activities.

Ministry of Justice CRM number: 18097

Registered Office: Gibbs House, Kennel Ride, Ascot, Berkshire, SL5 7NT

Phone: 0800 043 3469 ♦ Fax: 0800 066 4292

Request for Information

Only complete this if you cannot provide a copy of your loan agreement. For Credit Cards we only

require 1 statement showing that PPI has been applied.

If your loan agreement is still active you will need to include a cheque made out to the lender for £1.

If your loan agreement is paid off and the account is closed you will need to include a cheque made out to the

lender for £10.

This is an authority and instruction to act on behalf of the client(s) and to provide information to

Maple Leaf Financial Ltd or its agents.

Lender:

Account number:

To whom it may concern:

Please take this letter as my/our instruction to you, the credit provider/insurer/broker/bank, to deal directly with Maple Leaf Financial Ltd and to provide them with any information they request including the provision of full records in relation to my Credit Agreement.

I/we hereby authorise Maple Leaf Financial Ltd to act on my/our behalf as my/our sole claims management company in the handling of the claim and recovery of monies in relation to mis-sold payment protection/unenforceable regulated Credit Agreements/unauthorised charges or any other financial matter and/or full authority to refer the Company’s actions to the Financial Ombudsman Service if this is believed to be in my/our best interest. I/we give Maple Leaf Financial Ltd full authority to issue proceedings directly or to instruct a firm of solicitors to act and or issue proceedings in relation to this claim. In the event that Maple Leaf Financial Ltd need to contact a third party to progress the claims management any further for any reason I/we hereby give my/our authority and consent for the third party to provide Maple Leaf Financial Ltd with any information they request and may require to pursue my case and or my/our money. I/we have read and accept Maple Leaf Financial Ltd terms and give them full authority to handle my case exclusively and directly against the credit provider/insurer/bank and recover money owed to me/us on my/our behalf.

SAR Request

I/we understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts, credit accounts and /or bank accounts. Please supply me with a complete list of transaction and charges relating to my history with your organisation, including loans, payment protection insurance and other products. Alternatively a complete set of statements for the account or associated accounts is acceptable. I would be grateful if you would provide the following for all accounts or associated accounts I have held with your

organisation: I enclose a cheque in the sum of £10 to cover your fee. If you are unable to deal with this request, you should immediately forward it to the person within your organisation responsible for data protection.

Section 77 Request.

I/we instruct the creditor to supply Maple Leaf Financial Ltd with a copy of the above regulated Credit Agreement, including any document referred to therein and statement of account under the legislation contained within Section 77 and 78 of the Consumer Credit Act 1974. I enclose the statutory fee of £1.00 as required by this request. Failure to comply with this request is a criminal offence under the Consumer Credit Act 1974. Under 189 of the Consumer Credit Act 1974 you are obliged to provide these documents whether you are the original creditor or not.

I/we request that you release these documents as requested to Maple Leaf Financial Ltd or its agents as

outlined under the prescribed timescales.

Surname

First

names(s)

Date of

birth

Address

Signature:

Date:

Figure

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