Whiskey20b v First Plus

[whiskey20b]

Hello to all, this is the first time I have posted on this site and I hope you can assist in my forthcoming battle with First Plus.
I have kicked Barclays backside last year to the tune of £2600 regarding charges with the assistance of Penalty Charges.com (I hope that wont be held against me) but I cannot locate information regarding PPI on their site.
Basically I took out a loan for £46,500 to consolidate other debts in Sept 06 and was practically forced to take on the PPI otherwise no loan.
I am currently in dire straits financially and whilst considering my options was speaking to First Plus who informed me my balance with them was over £57,000. With hindsight I cant see why this was such a shock to me but Im certain I never saw a figure that high at any time.
Could somebody post a link taking me to step by step instructions on how to destroy First Plus.
I still cannot look at Carol Vorderman in the same way.
Thanks in anticipation.
PS. Has anybody heard of Cartel Group Holdings regarding Credit Card reviews?

[Fred_Funk]

Hi. In the first instance, I'd recommend taking a few hours over the next day or two to read through some of the 'stickies' - that's the unmoveable threads at the top of the first PPI page - to get an idea of where things are at.

Having done so, you will, undoubtedly, still have a few unresolved questions. At that point, you might like to try using the site's search facility, which you you'll find at the centre-top of this page. Using this, you should be able to find people in a similar position to yourself fairly quickly and, in so doing, might get answers to some of your questions.

When you've done all this, come back on this thread, outlining exactly what your position is and any outstanding questions you might have and, fingers crossed, there will be plenty of people here to offer advice and support.

Good luck!
Fred_Funk

[whiskey20b]

Roger that, thanks for reply.

[Braveheart Bear]

Whiskey I think you will be very hard pushed to find anywhere in any paper work or taped telephone calls any information that actually told you the full cost of the loan - and more specifically the PPI element. Your original contract will show the total of your loan and then a total for the PPI which will go a long way towards that amount. If you havent already, then ask for a full S.A.R - (Subject Access Request) which should come back to you with tapes of all conversations, and will give you a better view of your situation.

best of luck

BHB

	Record your calls Follow this link to read the review of the Truecall telephone recorder and call manager. This is the Rolls Royce of call recorders. It's a bit pricey but if you buy it with our special offer you will get it at cost: about 20% discount. How much do we make on the deal? - Nothing at all. You can also buy cheaper devices from Maplins. Truecall is the best - but the important thing is to record your calls.

	Subject Access Request A Subject Access Request is a demand which you can make to any organisation to disclose any personal information which they hold on you. The right to disclosure of data is provided by the Data Protection Act. There is no time limit. The organisation is obliged to reveal everything they have about you - which you ask for - as far back as you ask for. There are very few exceptions. It does not matter whether the data is held on microfiche, in an archive, on tape, in a cardex system, in sound recordings or in screen notes. Some companies are saying that they do not have to disclose where it would be difficult to do so - "disproportionate effort". This is untrue. Disproportionate effort refers to something else under the Act. If you are seeking bank charges information then you should ask for "all data held on you" and you should make it clear that you want everything as far back as it goes. Do not be put off by excuses. Do not accept being fobbed off. It is not in your bank's interest to make full disclosure to you. This means that it is in your interests to get it. If you have not started gathering your bank charges information yet, then you should start now. There will soon be a big rush once the OFT test case has been settled. Get all of your bank account informtion as far back as possible. At least as far back as 1995. If your bank says that they don't keep data as far back as this, don't accept it. Be persistent. They've got what you need in some form or other.