Hi Popping in as requested by MD This is classed as a revolving credit account (similar to a credit card). Your refund should consist of the premiums paid plus any contractual interest paid as a result of those premiums. In addition, if the reconstruction of the account without the insurance causes it to show a credit balance for any period, you should get 8% simple interest on that credit balance for that period. If the account is closed and paid off you should get 8% simple interest on the above running from the date of account closure to the date of settlement. ims

I do not have the answers, but I am in the WRAG group - suffering with depression, anxiety high blood pressure to name a few. I have faced everything on my own - the medical, the filling out of the ESA50 form, then my first interview with my advisor and each and every time I have made myself ill. All I can comment is, that I have always been treated fairly (I know there are stacks who have not) but at the moment, I am happy with the way I have/am being treated. I am 55 so not young to be going through and fighting all my battles alone - but then not that old to be dumped on the scrap heap. You have got to just keep fighting,

send the SAR to arrow global make sure you highlight the request for agreement assignment how the assignment was served default notice termination notice etc,etc

Hi Marroondevo52 A credit limit is nothing to do with obtaining credit. It only means they want a payment when you reach a certain amount or they will withold services.I run my own business and have several credit accounts with suppliers each account has its own credit limit and once I reach that limit they require a payment before providing more goods. I didn't know Virgin did this but it is exactly the same thing. You are not obtaining credit from them you have just reached a limit before they need a payment. Cheers Rob

to qualify for the extra 4 weeks through the Jobseekers route, you need to satisfy the following conditions: you must have been in receipt of a combination of Income Support, ESA(ir), JSA(ib) or JSA© for a continuous period of 26 weeks you must be coming off Income Support, ESA(ir), JSA(ib) as a result of starting work, increasing earnings or increasing hours that the job or increased earnings/hours is expected to last at least 5 weeks Please note JSA© counts towards the first condition, but does not count towards the second condition. This means if you were only in receipt of JSA© for 26 weeks, you do not qualify. H

Carers Allowance can be backdated for up to three months.

Ok assuming that any CPR request have been ignored then you will still need disclosure.You can suggest Directions ( N149 SCT) if the DJ allows or wait until standard disclosure. So in the " other " section I would advocate something along the lines of:- The Particulars of Claim provided by the Claimant are inadequate in order to fully appreciate the case I have to meet, in particular the agreement relied upon, the date on which it was made, the terms thereof and whether regulated and if so by what statutory provision, the means by which it was terminated, the manner by which the claim is calculated, its alleged assignment and the Cl

Hi You might also like to mention that the track record of an individual sales rep is in no way a valid reason for not upholding a complaint. If they wish to rely on this then you want to have written details of the sales person's sales statistics and complaint statistics so that these can be forwarded to fos with your complaint should that prove necessary. Their comment about their training policy can also be rubbished.. If it was the case that their systems were so robust, how come so many complaints are being upheld which indicates their training program did not work. Tell them that you believe these policy sales were motiva

when was your last payment? tel us a wee bit about its history please this seems to be on a phishing list as if the oc was able to get you in court for a bal of £25k im sure they would have by now!! dx