Many financial organisations give it different names but it all amounts to the same thing PAYMENT PROTECTION INSURANCE. Not at all you can claim for as long as you can get statements for most companies keep account data for at least 6 years and in many cases longer. Again not at all, there is a wealth of information on this site to help you including template letters you can customise you first stop is the stickys at the top of this forum. You will need to send a subject access letter to get all the info they hold on you that will included a copy of the agreement and statements Template letter in the sticky

I don't suppose this is much help but I have a Goldfish account that is currently in dispute (although not by Cabot) Goldfish sent me a default notice that did not give a date for me to make good the arrears but instead referred to a second piece of paper as the date it was sent....it is an invalid default notice...which in itself may not be too much of a problem as they can simply issue another one. However, they also issued me with a termination notice....this notice in effect closed the account and allows them only to be able to claim the amount of the arrears.. Following on from that, I receive at a point in the future a no

Hi Jammie the first thing you need to do is send a subject to access off and find out how much they have taken. http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/118145-sar-ppi.html when you have do that and worked out what you are due back then come back and you will get help with your letter for asking for it back

Hi lolo. Firstly, I'd like to apologise for the delay in replying - Ida did message me this afternoon, but I was at work and have just this minute signed in. Okay - the first thing that must be done when it becomes evident to the DWP that they have made an incorrect decision, is a "reconsideration" - this is where the DWP decision maker reconsiders the original decision and officially overturns the decision. This should be done immediately where they have noted official error, and as they had stated that it was official error, you should not have had to appeal the decision. Secondly, when an appeal is received, the DWP must again

Well done glad you found the information you needed. Hope it all goes OK for you.

hiya, i've asked someone to pop along to help you out, Ida x

I think we have a bandwagon on the go! Reject credit card rate hikes: How to fight unfair rate-jacking...

That will be an Application on N244 for an order declaring the parties to the agreements rights under s.142

Thanx r&b. Will post my grounds of appeal a bit latter and hit the red triangle then. Just getting a bit stressed with it at moment as so much to learn in such a short space of time Right here goes first draft grounds of appeal. Help please red triangle hit as well: GROUNDS OF APPEAL 1. The hearing related to the setting aside of a Judgment in default of the Appellant replying to the claim. The Appellant acknowledged service and made an admission under CPR14.4 requesting time to pay under CPR 14.9. The District Judge was wrong to decline to set aside judgment under CPR 13.2 (a) as default judgment was

I would first of all complain to Scottish power and also lodge a complaint to the OFT about the collection agent's varying figures. Please do both in writing.

So true Exchange...I finally faced up to my problems when I got to £90k (was honestly too afraid to add it up before!! ) HOWEVER, the total credit limit on my cards amounted to circa £160k....so in theory, I could have kept on going! I would never have sat down and applied for a loan of £160k and a lot of this available credit accrued due to limits automatically being increased by the lenders as opposed to being requested. I accept that I was wholly irresponsible but equally, when I've applied for a credit limit of say £5k, I believe it should stay fixed and not be increased to almost £20k over several years, without being requeste

The debt will still exist, but they recognize that they cannot enforce it through the court. Try writing back and requesting the proof of the debt and request the document signed by you, that allows reporting of your data to CRA's. They do need signed permission.

pmsl behave Can those legs run So have you been good and started your claim

Hi Aine All you can do is wait. Some might still attempt to take the money and then start chasing you when that fails. WDA, OML happily accept low monthly figues (you may get away with a tenner if need be) PTP - are always difficult and you will have to wait until they pass to Clarity who are a doddle to deal with. QQ are very similar albeit happily accept payment over 3 months if you can manage it. they too pass to DCA. I haven't dealt with your other lenders. Don't worry they will all be in touch in due course