Thread: help pls Told i have a case but need to pay £200 upfront

Hello

Sorry if this is in wrong place i am new to posting and PPI or cca

First of all in 2006 i went overdrawn by .59p at the bank Lloyds TSB

I went into try and have the fee waiverd as it was only pence.

I got interviewed and told i had to take a credit card or i would have to pay the £30 pounds charge.I told them i was unemployed and couldnt afford a credit card.He still talked me into takeing out the card and also talked me into takeing payment protection.Even though i told them i was unemployed and didnt need ppi.
I have all my original documents and have a copy signed from the person who interviewed stateing that i was unemployed for over 6 months and that they still recomend i take out the insurance.

I cancelled the insurance not long after so i didnt make many payments

The balance on the credit card has risen over the years and i am struggling to pay the bill.I wish i would have just payed the £30

After reading and searching for a while i came across

A website not sure if im allowed to name them

They asked me to email the documents and somebody phoned saying that theres a solid case but i need to pay £199 audit charge upfront

I told them i didnt have it and they said i could put it on my credit card before they started the claim.Which started to ring some alarm bells.

The last thing i need at the moment is to be ripped off and generate more debt

Im a bit confused if i was to claim my ppi insurance i dont think it would even mount upto the £200 fee.

Im getting the impression that i might have an illegal cca agreement.

Any help is much appreciated

Cheers

Sandra