Just to clarify, for people that have loans effected by this that are still live, they will NOT recieve a CASH refund, the balance of the account will be redressed to take into account the refund, accounts that are now closed will receive a cash refund. Or at least that what I can make out from the reports I read on BBC news website. Cheers, Darren.

Just to clarify, for people that have loans effected by this that are still live, they will NOT recieve a CASH refund, the balance of the account will be redressed to take into account the refund, accounts that are now closed will receive a cash refund. Or at least that what I can make out from the reports I read on BBC news website. Cheers, Darren.

Thanks for clearing that up, it was your first post that puzzled me when you said i had to get a certificate from the court to send, but now you say i have to ask the crediter to get the records amended. got there the end, Thanks again. Daz

Hi thanks for getting back to me again, But surely thye should be able to remove the judgment that has been dismissed by the court as per my original post?

Hi, thanks for getting back to me, I have contacted the court and recieved an email back saying that i need to contact the pursuer and tell them to tell the CRA's to updated there recored, the court have said they cannot remove the judgments. Thanks Daz

Not according to the scottish courts

Does anyone know how this system works in Scotland?? Cheers, Daz.

Are you sure on this??, as when i have contacted the court they advised me to contact the pursuer and they whould tell the CRA's etc.

Hi folks, can anyone help with this issue? I have just noticed i have 2 judgements on my credit report both from the same company (different occasions though, one from 2008 and one from 2009) I have contacted the court and they gave me further details, one of the judgments was dismissed with not payment due by me or the pursuer, the other judgemnts was paid before the date that it was actually made a judgement, however these judgemnts are still showing on my credit file, and trustonline etc. Can anyone shine anylight as to how i get these removed from my file? I live in Scotland if that makes any difference. Thanks Daz.

Thanks, I will give that a try

Excellent, thank you very much, Just one question, when you say compund interest at there rate, what is this, is this there current interest rate and where do i find this rate? Thanks Daz182

Hi All, Sent of SAR (inlcuding £10 postal order) to egg for old credit card and loan details (used template letter from here) they have since replied stating: We have recived your request for a copy of your "credit agreement" but you did not enclose a payment of £1, please send payment so we can complete your request" Arrggg, I didnt ask for a copy of a credit agreement, It was a Subject Access Request, anyone else had simliar bull**** responses when attempting to get SAR? Cheers, Daz182

Hi folks, I have filled in the FOS questionaire, do i also need to add up all the money paid to the loangaurd cover from my bank statements and send that off to them too? if so is there a template excel form i can use for this? Thanks daz182

Thanks ims, I'll go and have a look. Cheers, Daz182

Hi, I noticed a while back that I have been paying and have paid for several years rbs overdraft loanguard cover, as I was not aware of taking out such cover at the time with my overdraft I was wondering if I have a right to claim this back given the recent court ruling on PPI. Any help or advice would be greatly appreciated. Cheers, Daz182.