I just wrote a letter of complaint, letter arrived asking for sign within six days or they could not look in to the complaint.

Hi, My question is this, has a morgage company got the right to ask for a signature and passport or drivers license when claiming a ppi refund from an exsting morgage that is paid from my bank account at the morgaged address to confirm identity or they cannot proceed with complaint.

If they reassign the account back to monument can they (monument) offset the account balance with the ppi and charges,or not?

Hi yes claimform ack and defense to be in by mon the 19th. any help on defense would be good.

Hi card was taken out in 2001

Hi i CCA jc international and received a reply from monument they sent me a copy of a relpy card, oneside only saying following a land mark case at the high court in manchester (carey v HSBC bank) on the 23 december 2009 a creditor may use a reconstituted copy of agreement which includes name and address of borrower., we consider our credit agreement with you to be fully enforceable and that there is no dispute. can a reply card be an agreement with no financial data attached etc they say the fanacial data was on the reverse but how could it when it would of been the return post adress and it clearly states subject to credit approval.

Hi im in the same situation CCA jc international and received a reply from monument they sent me a copy of a relpy card, oneside only saying following a land mark case at the high court in manchester (carey v hsbc bank) on the 23 december 2009 a creditor may use a reconstituted copy of agreement which includes name and address of borrower. , we consider our credit agreement with you to be fully enforceable and that there is no dispute. can a reply card be an agreement with no financial data attached etc

Hi dx100uk,could you expand ,or am i right in saying, if i had a credit card with say a £3000 pound balance and reclaimed ppi and interest on that card, that amounted to £5000 then do i recieve £2000 or the full £5000 and the card reverts to zero balance because the ppi and interest was rapped up in the original balance? very confusing? splitenz

Just to clarify what you should get back under the system of redress laid down by the regulators... 1-> All premiums paid 2->All contractual interest which arose as a result of those premiums 3->The account should be reconstructed with the above removed. If that reconstruction shows that in any month the account went into credit, you get 8% simple interest on that credit balance for that month. 4-> If the account is closed and paid off then there will be a difference between the actual amount paid and the reconstructed balance at that date. 8% simple is awarded on that difference running from the fate of the payment of the card balance up to the date of settlement of the claim.

Hi, my question is this, if you reclaimed ppi on a credit card , should the outcome be reflected in the balance of the card as the ppi and the interest was added to the original balance in the first place?

Thank you so very much Andy.Can the DCA still issue a default notice.

Hi Andy, things have become more confusing? Received a letter from the court today saying the order has been rescinded and has been amended in respect of compliance and the unless order which shall be by the 15/10 . that was dated 9/10/2014. now i receive a letter dated the 8/10/2014 from DCA acknowledging the claim was struck out and they will not be lodging an application for order to be rescinded, then it goes on about debt still being owed but will not be pursued and they consider the matter to be at an end. what should i do now

Hi Andy. non of the previous orders allowed for parties to vary, will post new order when it arrives.

Hi Andy, had a county court order. defended on non-compliance, judge issued order for compliance to be made within two weeks, and stayed the case for six weeks and if compliance not met the case would be struckout. now after the two weeks had passed i applied for the stay to be lifted and new directions to be give , the judge gave one week for compliance or struck out, received a letter from court to say case stuckout. received a letter from court another week later from first judge to say case stuck out. today received a letter from court to say the case has been rescinded because compliance has taken place. phoned the court today to be told administrative error and new order will be sent out today! can this happen. i have all the court letters with official stamps!

Hi can a non compliance order that was struck-out be rescinded ? thanks.