Sorry, a further question. I have drafted a letter saying that they have not distinguished between the amount payable each month for the loan and for the ppi. i also said the policy was missold and I was not informed that if I paid the loan back early I would forfeit the whole policy sum. anything else to add? also do i claim against capital bank who had loan with or credit care? many thanks.

Hi I have an update. They wrote back saying they dont have to provide a copy of the credit agreement. I obviously have one anyhow. How do you suggest I now proceed. What happened was I paid off the loan early but lost the full PPI amount as they said non was refundable. I have looked at the spreadsheets on the PPI info but can not work out how to fill it in. Appreciate anyones help. I have posted the agreement on here in a previous post. Thanks

http://i134.photobucket.com/albums/q118/toysandclothes/img015.jpg http://i134.photobucket.com/albums/q118/toysandclothes/img016.jpg Could someone please let me know what they think of the agreement. its my copy of the agreement do i need the one from them? does anyone have an address for capital bank PLC? what would i send first?

can someone give me an easy way to get a pic of my copy of the doc onto this forum?

I took out a loan in 1999 with credit care and paid loan back early and had to pay back £3000 on top of loan as told PPI was a lump sum. can anyone suggest any action i could take. i have credit agreement here that i can scan and post. it says advance: A £ xxxxx credit care B £xxxxx C £ loan (a + b + C) d £xxxxx total charge for credit e £ xxxx total amount payable (d + e) F £xxxxx the total amount payable (F) is payable by consequetive monthly installments as follows........ apr 12.8 you agree to pay the BLANK premium of £ BLANK which will be added.....

Hi I have 6 credit cards which I was managing to pay fine until my income went down. Does anyone here have any templates about getting unenforceable debt written off? I also had to pay back about £11000 on a £8000 loan around 2000 as the PPI was one lump sum. I have always felt annoyed about this so is there a template for this? I also have a loan with egg too. They are chasing like mad calling me at all hours, 8am ish sometimes till late at night, do not answer home phone now and swapped to using a different main mobile. I underpaid £20 to abbey national and they put RMA on to me. All my credit card agreements are pre 2007. elizabeth25