Thread: I need some help

Been reading through some stories on here and Money saving expert.
I have got 2 loans with Halifax (Both are together as one loan now)
I took these out back in 2004?! I beleive.
Im sure I had some sort of payment protection but im not 100% sure.
How can I find out? Write to them?

Also, I have

Capital One
Barclaycard
Halifax ONE

And I cant see if I have PPI on any of them - the statements that is

Shall I write a letter asking for a refund to all my creditors? Or what?

Thanks in advance

Louise

Thanks UK.

Had another quick look - is this the letter I need to send off to Halifax

Dear ,

Re:- Loan Account No. xxxxxxxxxxx

With reference to the above agreement, I would be grateful if you would send me a copy of this credit agreement.

I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of our credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act.

I understand a copy of our credit agreement should be supplied within 12 working days.

I understand that under the Consumer Credit Act creditors are unable to enforce an agreement if they fail to comply with a request for a copy of the agreement under these sections of the Act.

I look forward to hearing from you.

Yours sincerely,

Also, Both my single loans (of 5k each) have now been moved to One loan, will this pose any problems at all!?

Or do I need to send of 2 letters for each of my single loans back then, and another letter to cover this new loan. Or just One letter with the new account number:S
Sorry if thats confusing.
Louise