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  1. Hello I hope someone can help, i may just be having a bad day but i can't seem to find the how to and template letters for ppi reclaim? Also - i have contacted lloyds tsb to ask for a copy of the agreement that i wish to reclaim ppi. I took out a mortgage and was told that i had to have ppi which was added as a seperate loan. they have found the mortgage agreement but can't find the ppi one. do i put in an sar and see what comes from that? what happens in this situation? thanks in advance x
  2. THe SAR is to get the info about when we paid last yes? What is the CCA? If we write to them and the six years haven't passed - will this only leave him in a position of going bankrupt or negotiating to pay?
  3. Thank you both for your replies. The date on the demand is 10 December 2010. So am i right in thinking that the first thing we need to do is apply to egg to find out if the six years has passed? I'm looking at the demand and on it is says the credit agreement is dated sep 04 and was passed to creditor on oct 06. I'm thinking this might make it unlikely the six years will have passed? I'm not sure if / how long he paid it for?
  4. Hi I hope someone can offer some advice. My brother has a number of debts that he has not been paying for a number of years (more than 6 now). He has moved house during the time that he has not paid these debts and not informed them of this move. During this time there have been a number of letters to his old address (my address now as i bought the family home) that he has disregarded. He has now received a statutory demand letter from capquest on behalf of egg. What does this mean for him? As he does not live at the address the notice was served to? He has other debts aside from this but also has a relatively well paid job so we're not sure whether they would allow him to go bankrupt, or whether he would be best to make an offer to pay? Any advice and guidance would be appreciated - completely new territory.
  5. Hi Everyone Been a while since i've had chance to read these forums.. guess that's what being pregnant with twins does for your time lol. Just wondered if there was any news about when we can expect a decision or any progress?? What is the current situation with bank charge reclaims? Thanks bex x
  6. I've still got one of my claims on hold with the court and have had for ages now. Since the court has ruled that the charges are subject to the unfair contract rules - what happens next?? From what i read, there will be another hearing, but when? And what do we think is the likelihood of us getting our money back??
  7. Hi Everyone Someone just asked me if it is possible to reclaim bank charges that were paid by someone who has died? Could a family member claim them as part of their estate or something? Any advice appreciated.
  8. Thanks so much guys... will let her know. Surely it's looking good that the charges will at the very least be reduced now that TSB have dropped theirs? What do you think?
  9. Hi Guys I've not really heard anything about this since it went on, but a friend of mine who started their claim much after me is now at the point to file at court. The bank from what she's telling me are saying that their complaints are being registered so should she just wait it out now for the test case to reach a conclusion? If the complaint is registered does the 6 year thing not apply because she's already started the process? She doesn't want to pay to file at court if she can help it understandably. Thanks
  10. Hi Everyone This claim is only just started - i've sent my prelim approach and the deadline is now up for the LBA. I've received a letter from the bank though saying that they've asked the FSA to suspend the normal timetable and what will happen next will depend on the courts. They say that they've registered the complaint etc and will resolve it once the case with the OFT is concluded. It then says "if you're thinking of making a claim through the courts, please note that we will be asking the courts to postpone proceedings about bank charges until the conclusion of the banks' proceedings with the OFT". I know this letter is completely standard, but what should i do now? If i leave the claim on hold will i lose the 6 year limitation? i don't want to file at court if i don't have to obviously as it's going to cost £120 but what should i do now? i'm tempted to send the lba and see what comes back but any advice would be appreciated. Thanks
  11. I know i'm really late with this but i'm about to send the application for removal of Stay, i received the letter from the court only last week to say that it had been granted and i was away at the time. What is normal procedure once this letter has been submitted?
  12. Hi I called the courts and am told that they have been granted the stay and that the courts are writing to me to confirm this. I'm yet to receive this letter. I'm going to read through the advice that you both recommended later today and hopefully get my request sent off tomorrow. Thanks again
  13. Hiya I filed at tamworth and after acknowledging tsb made a full offer - just before the test case so this one was settled. Otherwise, i have a second claim with HSBC but that's at Birmingham - they've applied for a stay which has been granted so am just waiting for notification from the court and then will apply to have it removed. There is info on this in my other thread if you need help. http://www.consumeractiongroup.co.uk/forum/hsbc-bank/108681-bex1408-hsbc-2nd-claim.html Good luck
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