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Firstly I believe your Agreement my be flawed as it does not effectively distinguish between the loan and the creditcare (PPI) cover I believe the payments for the loan and the credit care should be shown separately on the agreement ie monthly payments of £xxx for loan and £xxx for creditcare.
It looks like a chester address I have done a search in the Companies House site and the FSA Register but only one company came up and it was not in chester.
Your loan agreement was 1999 so you will need to have a look at this on claiming mis-sold PPI providing you can pin down the company. They may no longer exist
Name & Registered Office: CREDITCARE LIMITED
177 MELTON ROAD
WEST BRIDGFORD
NOTTINGHAM
NG2 6JL
Company No. 02255549
Status: Active Date of Incorporation: 10/05/1988
Country of Origin: United Kingdom
If you could post the full address and company number at the top the agreement I can be certain to put in the correct information to search again.
I have no legal training and the advice I offer is a matter of support. Before you commit to any Legal action you are advised to contact a qualified legal practitioner. ------------------------------------------------
Bank charge successes:
Halifax - Full settlement incl interest.
HSBC - Settlement, goodwill no admission of liability about 75% of claim.
RBS - Settlement, goodwill no admission of liability about 70% of claim.
2 ongoing claims for bank charges with HSBC with more to come. (Supreme Court ruling could have upset these claims) They did
PPI Successes
PPI 4 settlements on 9 loans. FOS involvement on 7 added on the 8 % Statutory interest another 30% to both.
2 claims settled in full with LV without FOS involvement.
2 claims settled in full with HSBC without FOS involvement
PPI Claims ongoing with:
Cap one Now with the FOS
Barclays. Paid up today 24/04/10 cheque received for over £4,500 and in the bank.
LTSB still have to decide on this as their SAR production was abysmal. Papers data mixed up documents missing etc
Please do not PM me for advice as it may be sometime before I can respond.
Keep at them. Do not give way and do not accept all they tell you, they will delay and stall for as long as they can to prevent repaying you your mis-sold PPI.
I have an update. They wrote back saying they dont have to provide a copy of the credit agreement. I obviously have one anyhow.
How do you suggest I now proceed. What happened was I paid off the loan early but lost the full PPI amount as they said non was refundable. I have looked at the spreadsheets on the PPI info but can not work out how to fill it in. Appreciate anyones help.
I have posted the agreement on here in a previous post.
Sorry, a further question. I have drafted a letter saying that they have not distinguished between the amount payable each month for the loan and for the PPI. i also said the policy was missold and I was not informed that if I paid the loan back early I would forfeit the whole policy sum. anything else to add?
also do i claim against capital bank who had loan with or credit care? many thanks.
Capital bank PLC Credit Care PPI
was a lump sum.
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