hi peeps, As any1 responded to the claims against us from this company, I have received exactly the same letter as every1 including same wording as part monies and also the date as 21/12/2012. address jersey signed Rhona Lavender. I have limited time to respond and woundering what i should do? any1 got any further or anything with this.? thanks

Ok, will do, thanks for your help, will try and get somewhere Birdi

i have the information for the egg loan and natwest,

Thanks for your reply, egg statements shows ppi payments on my loan agreements but not credit card so they only added it on that by the looks, natwest told me I could only have loan with ppi as this carried on from 1st loan I had with them, and black horse returned my postal order an letters twice saying cannot find details without agreement number even though I supplied everything from car details to payment amounts to dates, but I'm hoping maybe peugeot garage where I got it will have details or maybe car car craft who I sold the car to, they prob know I will be checking ppi so they are playing games bh

Hi Peeps, Right I received my Sar requests from past and current creditors, I am looking at claiming ppi but have a few queries If any1 can help, Egg credit card march 2003, I am not sure If ppi was added as not showing on my credit agreement,Is this one of those that are hidden? I took it out online, also I called and they offered me a personal loan to clear credit card which i took and this as PPI on which i wasnt aware of, this was 2004, Natwest I owe money to still but I had ppi on all my finances with them, Also i had car finance with blackhourse which was for £10k but I paid it off after 1 year by selling my car, not sure if i had ppi on as i have sent a sar request to blackhorse with £10 and they returned twice saying cant find details and it was within 6 yrs, so i will now contact the care garage i bought the car from, will the ppi only be calculated till it was paid off? thanks in advance for your help I

hi gemspan, I had the same problem with platform, our troubles started when my partner lost his job around the same time of me having a baby, basically we fell behind with our payments, we owed about £500 & what puzzles me to this day is I called to clear these arrears & was told theres no arrears, i asked how come and they said they had capitalized them, dont they have to have something signed by us to do this or advise us beforehand??? anyway another year or so on my partner fell at work and broke his arm an leg, his self employed so was off work again, we fell behind by £1600 in total, we continued to pay our monthly payment plus extra £100 each month to clear arrears, this lasted 5 months then they said this isnt good enough and got solicitors involved and arranged for repo at court, lucky we mananged to borrow the money & cleared the arrears but now they have sent a letter saying we are having £950 costs to our mtg for solicitors etc, plus they have added their own insurance at £40 a month cos my insurance cert didnt have them named on it so ive been paying 2 lots of insurance which wont cover us,... ALSO they have added late payment fees throughout my mtg as i was under impression i had from 1st till 28th to make my monthly payments but oh no, my due date is the 28th so it has to be on this date only and if before it went towards arrears and if no arrears went as extra money to mtg, this was never explained like this so i have loads of charges when i was clearly paying,,, I would love to get rid of them and get a new mtg but with us having not so good credit think we are stuck for a while, i wounder if we could get all our charges back? i hope you sort your problem out and good luck

thanks, no i didnt go to court and i wasnt aware of it but its on my credit file.... yeah i had ppi but cancelled it few months afteer the loan

Hi every1.... I understand personal loan agreements could be wiped before april 2007? Well I requested a copy of my financial details held with natwest bank, they have sent my agreement which i dated and signed 27/03/2007, (which is not signed by them) and my statement shows balance into account 3/7/2007(this settling prev loan), im really confused and how do i go about seeing if i can get it wiped off without paying these companys to do it for me ?? they have also gave me a ccj on this loan thanks in advance

hi all, i have recieved my sars for past & current accounts now i want to send a letter to claim ppi back & also late credit card fees but cant find a letter in the library. Also has any1 won ppi claims against companys when they took th agreement out online? thanks for helping

hi, requested SARs current & old agreements for me & my partner, Welcome replied with copies of like id they have & copies of agreement..they also put a letter in saying statements to follow, now we havent recieved anything from them since & this was over 40days ago, which letter do i send to them now? also Im claiming missold ppi and got my info just wounded instead of getting a company to do it for me what do i do now? thanks in advance for your help

hi peeps. So I am currently tryng to sort all my finances out & I have sent for SARs & CCA to my current and past creditors. My problem is i had a hp with blackhorse in 2007 which i paid spot on every month and then settled the finance after 12months. I believe i had ppi but want to double check so i got the last 4 digits(only ones shows)off credit file with start date, settled date, monthly amount and total amount borrowed along with my personal details, I sent to blackhorse with sar request & £10 postal order but they have sent it back saying need agreement number or further info, i sent again details off credit file along with dfferent address i lived but they still cant fnd account without agreeement number. Is there any other way i can get this? I cant find any paper work myself. Could they be trying it on as some1 on another thread has had the same problem but no help. Thanks for your help

thanks for help debs, i will get that done asap.

hey debs, i sent the sar request to the address off my credit file. the response as come from natwest @ birmingham collections. My current account got into arrears with overdraft and as i fell behind with my loan with them due to job loss so they started taking any more i put in to pay loan an overdraft. i stopped using that account but as youve guessed they just keep adding more an more charges.

ok thanks. i will do that..

hey every1, dont know if you could help with this. Basically I sent SAR requests to a few of my past and current creditors, one of my big ones been natwest (i had a current account which as closed but owe overdraft & charges an a large personal loan) the sar as come back but all it says is account numbers and action at the collections office, nothing about my accounts or loan or nothing just 1 sheet. we sent same request to my partners with welcome and thats come back how it should be, copy of everthing they have from loan agreements to every telephone call made. should natwest's be simular?. Also i sent offers of 15% full & finals to some outstanding debts but theys come back with a higher amount to clear or no, should i still keep trying to negociate thanks for your help