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Hi There Apologies to ask and I normally keep everything but I am unable to find my policy summary for a MPPI i have had on a mortgage with Halifax since 2003. Would anyone be able to help me and let me have either a copy of the booklet or the policy summary. Many thanks in advance.

Thank you cerberusalert - I did not realise that I did sent them a SAR request on the 29/7 but just received the CCA above documents.

Hi Guys - first of all thank you. I think Barclaycard would have defaulted me as I could not repay my monthly installments for 3 months, hence the reason 1st Credit now have the debt. Ist credit have sent me a letter saying "we attach an edited copy of the signed agreements" I am not sure what this means. They have also sent me a letter of assignment from Barclaycard to 1st Credit. There have been significant charges onto this account which I am reclaiming back so this will reduce my debt. 1st Credit keep changing the amount I owe so I have sent them the £10 and am awaiting the SAR information. Thanks for your help - it is most appreciated.

Hi newbie here - could anyone help and let me know if these documents from Barclaycard re a CCA are enforceable please. I have read your agreements vs Applications thread, however just wanted some clarification if possible. They have come from 1st Credit who have been an absolute nightmare and I have now sent them the harrassment letter, and the calls have eased off slightly, however when I submitted the SAR request this is all I have received so far to 1st Credit. Could you let me know if this is a valid CCA Would really appreciate the help. Many thanks http://www.viperstudios.com/error/1.jpg http://www.viperstudios.com/error/2.jpg http://www.viperstudios.com/error/3.jpg

Ok thanks, the estate solicitor is dealing but he has been so useless I didn't want him to handle this side of it for me and of course there's the cost side which has taken a severe nosedive. I will try and talk to another solicitor. If any one does have any information / advice though please do come back to me. Thanks very much.

Hi There Thanks very much for your reply, The PPI insurance is with Halifax, the loan was taken out in late 2005 and my partner passed away in June 2006. Unfortunately I have always been the slightly higher earner here. The loan is for 10 years and the RBS are asking for the full settlement for the value that would have been out of the estate. Basically the loan was for 25k and the RBS are asking for 37k. Should I just take it to a solicitor ? Thanks

My partner and I took out a 25k loan with PPI. All payments were made up to date until my partner died last year. Since then RBS have advised me that as the I was the only one insured on the policy as I was the higher earner, I am responsible for the loan and have to pay it. Currently they are making a claim for funds for the full term of the loan from my late partners estate. Can anyone offer any advice ?