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babygirl10873

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  1. a year down the line. i still have not recieved a complete file of information i can read. I requested my CCA and a few weeks later recieved a letter stating i had been paying them so legally admitted owing the money and would fight me all the way. A few days later i recieved a notice saying they had asked my orginal creditors for my CCA and would hold payments until they have recieved it. i have now recieved three of these. if they can not produce this what should i do next. i know that i can state if they dont produce it i would state i therefore did not owe them the money and even if they state they will close my account they still have given me a default and caused me major high intrest rates on my morgage. any advice please
  2. i asked cabot (DCA) for my SAR all they sent me was computer genirated stuff. No credit agreement they gave me a default the day they took it over i asked them to remove it but they said no I took the original credit agreement out in 2000 and never recieved a copy of the default so what should i do now. pls help
  3. this has also happened to me i applied with safestyle for finance on some windows I was refused by the first one and unknown to me when i got my file about 15 searches had been done i even got an agreement from blackhorse offering me a loan and the acceptence papers for 2000 i would not mind but this was not even the figure safestyle orginally applied for so this totally confused me i telephoned them as i thought someone was using my name in fraudenlent way. i will take your advice and try and have 14 of them removed.
  4. could you please advise me. i have a few problems firstly i did write to the onbudsman in relation to two things first my Barclaycard i was a student when i took it out and about two months after i took it out they started charging me payment protection which i did not notice and along with this they took the ppi and then charged me for going over my limited i sent this in almost 7 months ago and keep getting letters saying they have not yet allocated someone. but its mainly the second one i sent them a complaint in regards to Cabott financial. this was because Cabott had put a default on my account. The problem was a credit card which i had an arrangment for 2 years with and never missed the arrangement sold my account to Cabot and on the first day they purchased it they put a default on my file and then contacted me and explained they had bought it i instantly made a similar arrangement and have never missed a payment. I could not understand that the credit card never defaulted me in 2 years yet this company did it instantly when i have read up it states you have to miss 3 payments or breech the contract and my arguement was i had never made any arrangement with cabott. the financial onbudsman stated Cabott was not regulated until 2006 and they defaulted me in 2005 so could not deal with this. i have put a complaint in to Cabot and asked them to remove it as i felt it was compleatly wrong over the 3 years i did not know it was there i took out a morgage and had a loan which were all on higher rates only by getting my credit file because of the high rates i was paying did i see it. Cabot told me after sending me my file in codes i do not understand that they put it there to show creditors i was a bad payer can they do this if not i do not know where to go now. I was also going to send another problem to the onbudsman in regards to barclaycard can they deal with both at the same time or will i have to wait months again. please help
  5. sorry forgot all these loans are regulated by the consumer credit aggrement act 1974 does it say they can do this in that aggreement. I need help with this because i know i have a fight again all these loans put the charges on at the begining and say even if you cancel you still have to pay protection for the period took on the agreement. any help would be greatly appreicated.
  6. i have had a loan with blackhorse and my ex partner then took out a further 3 on the first one which was sercured on the house for 25000 and had the big payment at the begining. after reading your thred I went over the first one and notice although my partner was self employed and i was not working the ipp was for unemployment they knew this from the very begining all paper work was rushed through and we were never given the choice of not having it or a figure without. I am going to send them a SAR because we paid this of after two years but paid almost 1000 more than we orginally borrowed. Again we needed the money and because my partner was self employed found it difficult. I almost positive the insurance was not mentioned at all just what we needed to repay every month. if it had of been then i would of questioned the fact with my partner being self employed. not meaning to go on he got a further one after and currently had two runing he is not very well educated and never knew what he has been paying. my question is he is paying for two protection on two loans but they are for life accidental critical illness and not employment can i still argue it was missold because the exclusions were not made clear so they missled him into thinking it covered him for everything.
  7. trust me its no error because if it is im looking at the same error now i went into the office and spoke at great length about being self employed and in the top box it says life accident sickness invol employment the name and level of cover none but in the second scedule box under payment protection there is a high figure and below intrest so if there is no level of cover what the hell are they charging for. i agree they have tried to make you pay for something you could not use and not even sure if you look closely at the rest of the cover they may find a loophole not to pay you there as well. they know what they have done and trying to cover it up. thank god for a site like this because only by you pointing it out i have noticed the same error system must be still down. i had this policy with my partner. on back in very small print it says read clauses before signing. I have noticed on the other three policies he has had after this they drop the employment thing and just mention critical accident and life. but i rearly want to get my hands on a copy of what it includes some companies dont pay out for 60 days or 6 months i want to know hes still not being ripped off and what you are charged for employment and then all 3 together because should be able to esablish if they did set up i bet they charged to the full amount and figures included that part of protection. I am just starting my self this first loan we paid of think we had it for about 2 years and the end payment was almost 1000 more than we borrowed after making 2 years of payments. early penilites or something sent of for a SAR want to be sure what i paid for now. i did read if you pay it off early they charge you the full intrest for the full period of the loan you cant say thats right. i dont know what an lab is either but this be watching this thred as need to know also what to do next. i thought because banks have incurred fines they would be a bit more repectfull not wanted the same treatment.
  8. i have also had major problems with creation, one of the problems was they put protection on and i never realised it. I only noticed it when it was almost as much as the protection they charged me. have since cancelled it in writing but they still found a way to get another payment did not get there in time they said. i argued this as i know it was there the day before next bill was printed but to no avail. however have since written to them to ask for SAR think they should send me the contract i signed. I spoke to the Ombusman about this and they said this company was not regulated untill 2005 and athough ive been paying insurance since at least 2003 could only try and claim from date of regulation. whilst on this subject does anyone know if i could argue the intrest rates they are charging its now 39.5% and i know thats not what i agree to and if I cant argue this does this mean they can basically charge what they want and as long as you owe them money you have to pay what they say surly something can be done carnt it. sorry I have used your thred but didnt know how to do a new one. but hope some of the info is relivent to you. plus will be intresting on the outcome. I also found out all the money i did pay in protection would never have even covered me because i was a student and not in work. will keep you updated on what happens next.
  9. hi NP I have never signed anything either and have been with them for 26 years first savings and at and 17 years a current so havnt signed anything since then. when going over these statements i found loads of false charges surly i can claimed them back before this case has been heard. these were things like unpaid standing orders which were paid fine out of 9 unpaid direct debt only 6 exisited they double charged for me for asking for copies of statements these charges total to over 700 in the past few months. its getting crazy now there blatenly robbing you think you cant do anything until the court case i think. I check over the five years and they have taken almost 9 thousand in charges. And thats only including the ones over 12 pound. To those who said change my account I am aiming to do that but have an overdraft and need to sort that out first have cancelled as many DD as possible and checking daily what there taking. But it shouldnt be like this starting to thing my gran was right by putting her savings under the floor boards she said if she was robbed at least it went to some who needed it. ah ah
  10. my problem with creation was regarding protection payments they just added them to my account not long after it started. i found statments from 2003 and it was on there do not every remember signing up or recieving any documents about it. I have had to write to cancel it only noticed it now because im paying more in insurance then in intrest and anyone you knows them they are chargeing 30.9% at min. have now writen asking for monies back by stating i was not only misold it but didnt agree to it hoping to get a refund also sent them a SAR to see what they have been charging is there anyway i can get anything back other than late charges.
  11. hi thank you for all the good advice yes it took a while but is on incapsity benifit he owes around 2 thousand in arrears and his landlord bought the house because he had a friend at the estate agent where my dad went to put the house on the market. i just dont know how long the landlord will wait before evicting him. He knows he can rent it very easily because the area is well sort after. Hes a business man who is only intrested in making money thats how he got to purchase my dads house think the estate agent was doggy and made money from it. i know he does not work for that estate agents anymore. will they eventally pay or can they compleately refuse. i am a bit worried because dont know if he can explain where every penny went.
  12. i also have a problem with creation had this account for a good 8 years. i am a single parent been in collage and uni for most of them. i just have noticed that they have been charging me payment protection only noticed it recently because its almost as much as my interest which is silly and when i told them i was struggling they told me about the protection when i got a copy and called them they told me they needed evidence i was on job seekers but can not claim as at uni. i am going to ask for my protection back although they said on the back of the statement no payments will be refunded. found your post intresting can i claim back any of these silly interest rates.
  13. could you please help. my father is having problems recieving housing benifit he has worked all his life until around 5 years ago he was attacked and resulted in him drinking 4 houses away and having a mental breakdown. he sold his last property 2 years ago split the money with his partner and used the money to live. he was allowed to rent the property back from the buyer as he had no plains for it for a few years. He did this paying his own rent for almost two years. He and his partner are back together and owe arround 120 thousand between them. i have explained he had no choice but to sell as his debts were to big and he needed money to live. they argue a person can not claim for a property they used to own until a period of 5 years i appealed this and sent them a letter from his GP explaining he had a nervous conditon and rarely left the house. now they want receipts of rent payments a copy of statements since sale to see where all his money has gone the list goes on. I have a feeling another list will come after this. can anyone advice as he is now 2500 in arrears with the rent and may be evicted. any suggestions would be benifical
  14. i have never had the pleasure i dont think. i have had that many cards not sure you they are rearly with you think their with one person then find out its someone totally different. A + L are top of my list. i ran into financal difficulties when partner left me with all the bills been paying them off at 20 a month they gave me a default and then added 5 years of charges to final figure so probley be paying them till the next millenium but have also had cards i think insurance and so on. going to check it out so i can get something yes i know probley to give them back. but will check out if i have any MBNA what does it stand for may then have idea if have had dealings with them.
  15. hi i have had a number of loans out over the years but cannot remember if insurance was included. i know I had to pay penalities as i paid off early. also i have a store card that charges insurance this was more than intrest i was paying i have just written and cancelled it. it states on the back of the bill no premiums will be given i think i was missold this because i tried to make a claim last year but was told i would need papers from the job centre and could not get them so could not claim. can anyone advise please
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