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About paulc365

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  1. Thanks for your reply. Is it known that they do accept the monthly fee minus the admin charge?
  2. Hi everyone, it is a long time since I used this site, but would really appreciate some help and knew this would be the safe place to do so. It seems many others have been in a similar predicament. Joined Fit4Less in Halton, Leeds last summer. I was not really using it during Nov/Dec so cancelled the DD in mid December believing that I was under no contract terms as had taken a rolling monthly contract. I was away for a few days over new year and returned to a letter from Harlands requesting £16.99 missed payment and with a £20 charge slapped on for admin costs. This
  3. Hi, thought I'd update what's happened so far. I was given a substantial offer from HSBC which I chose to accept. It was a figure far greater than I could have imagined and all came from the questionnaire they sent me!!! I am now awaiting response from Santander, again from them contacting me. I haven't sent a single letter to complain! If there are in the wrong, they seem to now be being proactive!
  4. Reagrding HSBC Loan - telephoned them today and got some info - but not much and easier to get blood from the proverbial stone! Loan was paid off in Feb 07. I received a Loan Protection refund of £930, but would this be a refund for the remaining months of the loan that I paid off early rather than the months I had paid already? Surely they wouldn't refund what I'd paid previously as they wouldn't have done anything wrong in their eyes in 2007? Santander appear to admit I had PPI for 14 months between 2007 and 2008. They were very helpful to speak to. They said if I was to be found t
  5. do you think they'd have bothered if there wasn't a case to answer?
  6. Thanks. So if I give them to the end of next week to give me a decision. After that, the SAR will give me access to anything to do with the loan numbers I give them. Is this correct? I agree, it would seem to be that I did pay PPI having received the questionnaire. How can I prove to them I didn't know about it? Surely it's my work against theirs. It's a bit frustrating. Sorry for all the questions already! Just trying to get it straight so I can plan what I need to do.
  7. Thanks for the quick reply. It is for two loans. My HSBC loan was taken out in 2004 and closed circa 2007. I have no documentation for this, but on a letter from HSBC since, they have included the loan numbers in the subject heading. I'm hoping that this gives me something to go on. I would never have been in touch about PPI had they not contacted me, but guess proving that I didn't know I'd accepted it is pretty difficult. I know not of how much PPI I ever paid. I'm hoping that HSBC sending the questionnaire is in some way an admission of guilt and I may get an offer in the next week. H
  8. Having heard a lot about PPI in the last few years, I was always tempted to find out some more information but never did so from believing I had not ever paid it. Back in April, I received a questionnaire from HSBC about PPI. This to me seemed like an admission of guilt in receiving the questionnaire alone. I duly filled it in and returned it. They said I would hear back in 8 weeks and i am due a response by Friday 15th June. I phoned them yesterday and no decision had been made yet, but that I would hear next week. Surely this is cutting it very fine. The more I think about it, the
  9. Hi there, I'm going to try and reclaim on my Abbeycard but I know they are now owned by Santander. Where do I send my data request to please and is there a template you can direct me to. Thanks.
  10. Hi there, I was wondering if someone would not mind giving me advice about getting my original cca from Capital One as i do not hold a copy. i have heard that i may be able to get my debt written off if the terms were not drawn up correctly pre 2007. My card was taken out around june 2005. Is there a template letter that you could point me towards please and is it likely that I have a case? This website has been very helpful in the past so i thank you in advance!!
  11. Hi, Had about £100 of charges on my Abbey Credit card. Am I right in my understanding that I can claim as credit cards are not on hold? Also, what are Abbey like to deal with? I think i will probably go for this! Thanks
  12. well i still have no statements and i still don't have a clue as to an exact amount. i dont know whether to guess! they really dug heels in about sending my statements!
  13. Thanks Steven. Should I send another SAR as its been a year or so?
  14. Hi there, I had a loan 3/4 years ago with HSBc and am pretty sure i had PPI. Is it worth me trying to find out if i was mis-sold insurance? I have no idea to be honest and I don't have a record of my loan agreements. Should I bother and if so where can I find the SAR? Thanks.
  15. Hi, I started this thread a long while ago and am aiming to get back on the case! GE eventually contacted me and siad they no longer held information on closed accounts. Lies probably! I would estimate that they owe me £300-£400 but i have no evidence without statements. Any advice on what I should do to get back onto them???
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