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lulululu

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  1. Thanks ims21, you have been most helpful,
  2. Thanks ims21 I have had a look at the form on the FOS website but there are so many questions on the form that I am unable to provide information about. It was way back in 1987/8 and have no paperwork for it. The only thing I do have, which prompted me to pursue this, is a letter from Natwest dated 1998 thanking me for paying the loan off and stating that the legal charge would be removed from the property. I have only got a reference number on that letter, no account numbers or anything else, so if I filled the FOS form in there would be very little information on it so would it be best if I just wrote a letter to them outling my reasons for the claim.
  3. Thanks ims21 So should I just write back to them stating that they told me we could only have the loan if we took out PPI and had a legal charge put on the house. Is that the best way forward.
  4. Hi again ims 21. Was just thinking things through and wonder if they should have given us a loan at all. In 1982 my husband had a brain heamorage and was unable to work for over 3 years. When he was signed off as fit for work he went self employed in 1986. The loan was given to us in 1987/8 and I think they may have put a charge on the house because off this previous illness which was very bad ( he had the heamorage and had to have an operation to put a metal clip in his brain) and was on anti epilepsy tablets for over 2 years, he then had to have another year off after finishing the tablets to make sure that he did not have any epilepsy symptoms ( which he didn't) and then went back to work in 1986.
  5. Thanks ims21 I was working when the loan was taken out and I think it was in joint names.
  6. Hi ims21 thanks for the quick reply. No, I don't have any paperwork whatsoever. The loan was paid off in 1998 and I just cant remember whether we were told to have PPI or not. It looks like I will have to give up on this one, although I do remember that my late husband was self employed when the loan was taken out in 1988 and don't know if that would have been the reason they took a legal charge on the house. Memory very vague after all this time.
  7. Hi everyone, I wonder if you can help me. I wrote to RBS about mis sold PPI on an old, paid up loan, they sent a letter back asking why I thought it had been mis sold. I wrote back saying that as the loan was secured on my property (they had a legal charge on it) why would I need PPI aswell. They replied saying that it was not a valid reason. Any thoughts on this please.
  8. Many, many thanks citizen b. Your help is greatly appreciated. Lulu
  9. WOW!! MIKE770, that denial access letter sounds really scary. Thank you
  10. Thanks dx. So, if I get any letters in future from different debt collection agencies, should I just ignore these or send them the statute barred letter and then ignore them ?
  11. Hello MIKE770, The letter I got from equidebt was threatening a doorstep visit, I don't want that to happen, that's why I sent the statute barred letter. If I stop writing to these people won't they just carry out their threats of a visit ? Very worried about this happening.
  12. Thanks MIKE770. Will think about that when I know they have stopped hounding me, Lulu
  13. Hi citizen b and everyone who has helped me. Got a letter from Equidebt today acting on behalf of Aktiv Kapital so I have sent Equidebt the statute barred letter and have also written to Aktiv Kapital telling them that the debt is statute barred and that I have informed both buchanan clark and wells and equidebt that this is statute barred. Hoprfully this will put an end to Aktiv Kapital passing this on to other agencies. Will let you know if I hear anything. Many thanks. Lulu
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