kays catologue help please?

[trickytrish]

hi all

I sent Kays an Subject Access Request back in january they never replied, so I reported them to Information Commissioners Office and they have since complied and just recieved my statements, from them, but only from 2001

I had this catologue tho since the 1980's I defaulted in 2003 area and it was passed first to logic group then now its been sold to Robinson way! Who also have not complied with my CCA request,

on my statements it dos'nt list things that I baught just basically says unknown product, and theres no interest added on either and I know they charged me interest!

They have all my details wrong also They have me down as a house owner which I'm not, and that I've lived here for 21 years When I've changed address with them twice! they have my age down has 25-29 which is also wrong

regarding the PPI I've paid up to £30 per month on some of these statements! :o

all I have are statements dating back to 2001 the last 6 years so how am I meant to find out the amount of PPI I paid previously to 2001 I really want to claim all this PPI back, Right back from the 1980's

anyone have any ideas please?

[Todge]

tricky

That's a lot of issues!

Going back more than 6 years on anything is not simple - the 'Limitation Act 1980' ('Going back more than 6 years') threads on the site might be worth a trawl for any opportunities.

How was the debt 'moved' to Logic, and Robinson Way? Check out some of the Deed of Assignment/Notice of Assigmnent threads.

The failure to comply with the s78 (running credit) CCA74 request can be drawn to the attention of your local Trading Standards. The debt (if still active) cannot be enforced until they comply. Have a read on some of the (mammoth) Consumer Credit Act threads.

How do you know that they charged you interest? Do you have some statements which do not agree with those supplied? They may have been entitled to claim interest - unless the the rate/term was outside The Unfair Contract Terms Act 1977 or The Unfair Terms in Consumer Contracts Regulations 1999 - do you have the T's & C's? They should have come with the S.A.R - (Subject Access Request)/CCA details?

As regards the PPI, check out a few PPI threads - 'Was I mis-sold?' etc. There are a few pointers which may indicate that 'proper' procedures were not followed, and that a refund/repayment may be due. There is a 12-15 point questionnaire on one thread - it'll give you an indicator of what might be recoverable.

You have a lot of homework to do - I'll leave you to it ...

HTH,
T.