thanks for your speedy reply x

Hi thereIf you pay a loan off early, is it right that lenders still charge you the interest as if you had had the loan full term? For instance, say I took out a £10k loan over 5 years. The interest for the 5 years would be £2500 making the total loan £12,500. If I pay this off say 3 years early, do I pay the full £2500 interest despite only paying the loan for 2 years?Does this happens and if so, are they allowed to do this? ThanksKaren

Not yet, i wanted to be armed with the right information before I called them incase they try to fob me off, which I have a feeling they will

Good Morning, On Friday (26th March) I had hair extensions put in by a company called Weave Got Style. The service etc I cannot fault, but since having them put in, they are now frizzy and look straw like. They were not like this when they were put in. I was advised that I could wash, dry, curl, straighten the extensions as they as are human hair. Since washing the extensions, they now look like damaged hair, straw like and generally look like hair that hasn’t been cut for years! On their website, the terms and conditions are as follows: Terms & conditions NO REFUNDS FOR CHANGE OF MIND OR HYGIENE REASONS FOR OBVIOUS HYGIENE REASONS WE CANNOT OFFER REFUNDS AS ALL HAIR EXTENSIONS ARE CUSTOM MADE FOR EACH CLIENT AND CANNOT BE USED FOR ANOTHER CUSTOMER. ALL HAIR IS THOROUGHLY INSPECTED AND CHECKED FOR DEFECTS BEFORE IT IS SENT TO OUR STORES. THIS DOES NOT AFFECT YOUR STATUTORY RIGHTS As I am not happy with the hair as I feel it is not the quality I paid for, am I entitled to a refund despite the terms and conditions stated above? I am really unhappy with how my hair looks, and whilst I appreciate that the hair cannot be used on someone else due to hygiene reasons, I also do not think it’s fair to pay for something I am not happy with. When I left, I was happy with the result. Given that I was told that they can be treated just like your own hair, I did not expect them to then start to look damaged and unhealthy after only being washed once! They advised that treatments and hair masks should be used to keep them looking nice, which I have done, but it still looks nasty. Please can someone tell me my rights? I have not signed any disclaimers or T&C’s, as none were offered when I had these done. The condition of them being non-refundable were not expressed to me before I had them done. I have only seen this on the website since I Googled for their contact details. I paid £220 for these extensions. Any help is appreciated. Thanks Karen

Hi there I am wondering if anyone can help me at all. I got clamped last year and was forced to pay the fee of £130 or my car would be towed away to a car pound where I would incur more charges.I wrote to them appealing the charge but they refused to give me a refund. I have copied and pasted the letter I sent them below which details the whole story. Am I entitled to get this money back? Do you have any advice how I can go about getting my money back?[ Thanks in advance, Karen I write with reference to the clamping of the abovementioned vehicle last night (12th May 2009) at 21.02hrs. I was parked in **** from 19.48hrs visiting a friend and displaying a valid permit. ] I returned to my vehicle at 21.02hrs to find my car clamped. I was informed by your operator (Mr L Lloyd, ref 0230 0110 9265 9244) that NPM allow a five minute “grace period” for the owner to return to their car. I was within this five minute period yet I was still clamped (not in the process of being clamped I might add, but ACTUALLY clamped). ]Initially, Mr L Lloyd said that he had made a call to your Head Office logging the penalty before putting the clamp on, so I asked him to show me the time that the call was made. At this point he realised he had “lost” his work phone. Shortly after he told me it wasn’t a phone that he used to log the penalty – it was a credit card machine that “doubles up” as the penalty logging device. He was unable to show me a time the penalty was issued as he “didn’t know how it worked”. Mr L Lloyd was also uncooperative and would not show me the picture that was taken of my car to display the time of taking it. He said he “couldn’t be bothered” and that there were too many “bitches” to go through in his phone to find the photo. During this whole ordeal, Mr Lloyd was rude, bordering on aggressive. He spent time humming under his breath, even whistling jovially despite my very clear distress, I found it very intimidating The telephone numbers quoted on the penalty form were also not available, so I am confused how payment could be made at this time of night. It clearly states on the penalty form “To arrange payment of charge and clamp removal, telephone 07810 085153”, yet no one was available to take my call and Mr Lloyd kept saying “to ARRANGE payment, not MAKE payment.” Can you therefore just for the record clarify what ARRANGE payment means, because in my mind it means to make a payment. Mr Lloyd informed me that I could appeal this, but only once payment of £130 was received. It was very clear that Mr Lloyd was literally after his commission. I had no cash/cards on my person at this time and became very upset and I was shocked to see that at this, Mr Lloyd appeared to be smirking. I called my father to pay over the phone. Mr Lloyd also told me this was not possible and someone had to be there in person to issue payment. Therefore I had to have someone drive to meet me to make the payment [There are CCTV cameras within the complex. Please kindly look into this matter and issue a refund at earliest opportunity"

Hi all, I just thought I'd give you an update re my Natwest complaint. I contacted the FOS back in November and I have had a letter from them saying that NW have "offered to settle my complaint on what it describes as a 'goodwill basis' ". There was lots of info attached telling me how NW calulate the refund, but there was no amount actually stated in the letter. I am claiming for PPI payments made on the account totaling £2,784.26 plus interest of £222.74. I have emailed FOS asking how much I will be getting back so I am now awaiting their reply. I hope its the full amount!! Thanks for all your help in the past in answering my stupid questions and holding my hand throughout this process. xx

Ok I have looked on the Information Commissioners Office website. which bit do I go to, to make the complaint?? In the complaints section it gives the following options... Data protection Privacy and electronic communications Freedom of information Environmental information regulation Which one is most relevant?? Or should I just email them from the "contact us" section. Sorry being a thicko... xx

well i have just called the FOS and registerd a complaint. I have to call them back tomorrow with the reference number on the final response letter that they sent to me and they will start the ball rolling. I shall most definitely contact the Information Commissioners Office and report the beggers!!!!

thanks paintball ;-) I really hope I get this money back, its been going on over 6 months!!

yes i quote "we regret to advise that the loan agreement has been misfiled and despite searching our records we have bee unable to locate it" "we should point out that if you cease to make future payments as they fall due we will report the default to the Credit reference agencies" Bleeding CHEEEEEEK! Right I shall get reporting tomorrow and write them yet another stern letter tomorrow......

Natwest wrote to me last week (letter recieved on Friday) telling me they cant provide my CCA!!!! They still cashed the £1 cheque I sent them though...

Hi all, I have an update with those tinkers at Nat West. I received another letter from them on Friday saying that despite searching they are unable to provide me with the CCA as they cant find it (or words to that effect). The letter also warns me that I should continue paying my loan otherwise it will have a detrimental effect on my credit score as any unpaid amounts will be reported to the credit reference agency. What is the best course of action now? Court or go to the FOS first? Thanks for your help, as usual x

Paintball, you really are a superstar! Thank you. This will be going out special delivery tomorrow. I'll keep you posted!! Thanks again x x

Yup it is the same thing! I'm having a battle with Natwest at the mo so get ready to get the gloves on as they are useless!!! I think you can still claim after 7 years. Have you requested a SAR?? £10 and they have to send you all the documentation they hold on you. Including the credit agreement. It takes a bit of time but its worth a try! Good luck x

Hi again, I have drafted a letter threatening legal action. Please can someone have a read for me and let me know if this letter is ok?? should I add anything or delete any parts?? gratful for your help as usual xxx With reference to my letters dated 12th August and 23rd September 2008 you have failed to comply with the lawful request for a true, signed copy of the Consumer Credit Agreement for the personal loan taken out on the above mentioned account. As previously stated in my letter of 23rd September these documents I requested should be readily available as proof of your legal right to collect this money under the Consumer Credit Act 1974. Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you enter into a default situation. The 12 working days expired on 29th August. If that request is not satisfied after a further 30 calendar days your client commits a summary criminal offence. This 30 day limit expired on 28th September 2008. I am allowing another 7 days for you to respond to this letter with a copy of my Consumer Credit Agreement otherwise I will have no choice but to take this matter to court to claim for my mis-sold PPI. A reminder of what I am claiming is as follows: The return of PPI payments made on the account totaling £2,784.26 plus interest of £222.74. This is the original amount of £5,408, minus the refunded amount in December 2006 of £2,623.74, plus interest at 8% which would be awarded in the court of law, plus the any legal costs I reserve the right to report your actions to any such regulatory authorities as I see fit. You had 14 days from receiving the letter dated 23rd September to contact me with your intentions to resolve this matter which was a formal complaint and I still haven’t received any correspondence from you. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. Yours faithfully

Thanks Paintball. I'll get cracking on a letter threatening court action!

Thanks for your reply. Should I now go to the FOS before the court option? They only gave me a partial refund when I cancelled the policy in 2006. I just want the amount that I had paid for the forst 18 months of the loan. Their 14 days ran out Weds 8th October. (inc weekends) I have no prob taking them to court, but its the fees that worry me.... i have no idea what to expect fee wise? x

I also sent this letter with the CCA letter as per the post above: Again... no response Dear Sir/Madam, I am in receipt of the documents that you have supplied in response to my Data Protection Act information request dated 12 August 08. The disclosure of personal data is incomplete in that at least the following documents are missing. 1) Consumer Credit Agreement Accordingly, I have to tell you that you have not yet complied with your obligations under the Data Protection Act 1998. You have a further 5 days to comply. In addition, I would like to remind you that as my loan was taken out in May 2005 NatWest as a respected financial institution was regulated by the FSA who, four months previously had put in place a ruling governing the mis-selling of PPI to its customers. I assert that your salesperson when conducting the loan application with me lead me to believe that the loan would not be processed without the addition of PPI, and as such, I feel that I was pressurised into purchasing a product which did not suit my personal needs. You state that the sale was made on a 'non advised basis'. You will be aware that the FSA provides guidelines to lenders for both Advised and Non Advised Sales of financial products and PPI. Whilst the salesperson is not obliged to make a recommendation to a customer, the FSA states that "The customer must, however, still receive sufficient information on the product to enable them to make an informed decision as to whether it meets their own demands and needs." During the sales process I was not made aware that alternative insurance products could be purchased elsewhere, nor the comparative costs of these against the cost of your own PPI product. This is information which your organisation would have had access to at the time of the sale, yet it was not made known to me. As such, I feel that I have been mis-sold PPI by your organisation in whom I had reposed faith as a respected lender and I am frankly shocked and dismayed at your assertions to the contrary. You have a further 14 days in which to provide the information I am requesting together with the return of PPI payments made on the account totaling £2,784.26 plus interest of £222.74. This is the original amount of £5,408, minus the refunded amount in December 2006 of £2,623.74, plus interest at 8%. I look forward to your positive response. Any ideas what to do next??? Grateful for your assistance as usual xxxx

Hi all, I'm back and Natwest still havent produced the goods.... I sent them the following letter (with the help of Paintball and the rest of you!!) on 23rd Sept and they had until 28th Sept to produce the CCA. This letter was received on 24th Sept 08 Dear Sir/Madam, Thank you for your letter of 11 September 2008 , the contents of which have been noted. You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account. On the 12 August 2008 I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79). On 13 August 2008 a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date. To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents. These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974. In my letter of the 12 August 2008 I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. A statement of this account was sent to me detailing all debits and credits to the account as well as other items requested in the Subject Access Request. But I was informed that you do not have a copy of my Consumer Credit Agreement. This is noted on the enclosed letter from Danielle Sharp and also on my bank notes (also enclosed); it says this can not be found!? Yet the £1 cheque I sent (chq number 1062) has been cashed. Furthermore, you are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before you enter into a default situation. The 12 working days expired on 29th August. If that request is not satisfied after a further 30 calendar days your client commits a summary criminal offence. This 30 day limit will expire on 28th September 2008, 5 days time. As you are no doubt aware section 77(6) states: If the creditor fails to comply with Subsection (1) (a) He is not entitled, while the default continues, to enforce the agreement. And (b) If the default continues for one month he commits an offence. Therefore this account will become unenforceable at law if the Consumer Credit Agreement is not provided in 5 days time – 28th September 2008 So far, you have failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it. Furthermore you should be aware that a creditor is not permitted to take ANY Action against an account whilst it remains in dispute. The lack of a credit agreement is a very clear dispute and as such the following applies. You may not demand any payment on the account, nor am I obliged to offer any payment to you. You may not add further interest or any charges to the account. You may not pass the account to a third party. You may not register any information in respect of the account with any credit reference agency. You may not issue a default notice related to the account. I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I would appreciate your due diligence in this matter. I look forward to hearing from you in writing. So, what would you advise to be the next step?? Thanks Karen xx

You are a superstar! thanks again x

Painball I love you!! Thanks so much for this I'll get cracking with this and send it out tonight. WHOOOO

Thanks again PB x

Ah paintball, thank you soooooooooooooo much!!!!!!!!! I really appreciate it - superstar!! xx

thanks for the post. I'd rather not have anything that could have an adverse affect on my credit rating to be honest. So the next step should be to write another letter. Are there any templates I could possibly use? I mean, the bit where they are saying the CCA does not come under the Data Protection Act as they dont have it in their "relevant filing system".??? I have had a look on the Outlaw website. to be honest I feel blinded by science as such. I'm getting confused!! (doesn't take much!) Is there anyone that wouldnt mind helping me draft another letter pls???? I'm getting my knickers in a bit of a twist over this now. EEEEEEEK Thank you sooooo much in advance x

thanks for all the info guys. If I stopped paying my loan... would this go against my credit report though???? I dont want to get bad credit in the mean time you see. I've just got a mortgage so I dont want to jepordise anything.