The value of the claim is less than £5,000. The reasons for claiming are two fold really. Firstly I am self employed Joiner and always have been - Really! was I just going to give em a quick bell between jobs and they would cover all my Credit Card costs? As far as sickness benefit was concerned there was a 6 week moratorium period at the beginning of the cover in which the cover itself was inactive. Secondly, perhaps more tenuously, there is an unspoken assumption that signing in the box will increase your chances of credit. Hint Hint. The FOS has told me in their opinion my claim is valid - but still HBOS vacillate - I want to sue them for as much as I can get to be Honest

Yes I have all the documentation including results of SAR. I have quantified all the PPI which with them was called 'Credit Care' I also requested repayment of all late payment charges etc and 8% interest. To the other contributor who replied 'why are they STILL taking so long - I think the answer is obvious! Because you are in fact paying for it yourself - aren't you??

I have just received an email from FOS today 18/03/2013 - telling me my PPI claim on a Sainsburys Credit Card (complaint originally made on 15th March 2012) could take up tp a further year/eighteen months. Could someone PLEASE advise me on how to go about taking the case to small claims? Thanks ----------- Sandakan.

Hi out there - can anyone give me some advice as to what happens when a Debt Collection Agency, in this case Moorcroft, or MDRL as they are otherwise known persist in chasing me for a debt [santander] when this debt is already included in the Debt Relief Order? [Which it is - I have checked] I guess what I'm saying is - is there any way I can gain legal recompense from them for breaking the terms of the DRO? Like so many out there I would just love to 'Sting 'em back' Many Thanks in advance ----------------------- Sandakan