I recently got a refund of PPI on 2 Lloyds TSB loans, and am now going to chase for the credit card (signed for on same day, so they haven't really got an arguement). Take a look at my thread: http://www.consumeractiongroup.co.uk/forum/ppi/113456-lloyds-tsb-loan-ppi.html Good luck!

Sounds like there has been a break down in communication between the rep (who sounds genuine as Powergen do use Face2Face) and Powergen, or a member of staff who got the reps report didn't read it properly. Does the letter really say they are coming on Tuesday - or does it actually say that the account is being passed to the Warrant Application Officer (or something like that) on that day?

http://www.consumeractiongroup.co.uk/forum/ppi/113456-lloyds-tsb-loan-ppi.html I've just posted to confirm details of my success with PPI on 2 Lloyds TSB Loans. I'm not sure how to put a link from here, but if an admin can do it, or someone can tell me, that would be great!

My reason for claiming PPI back was that I was mis-sold because I was not made aware that the PPI was optional. I was fresh out of university at the time and quite un-worldly wise and very trusting of my bank manager. I was told that as I had only just started working, I had to also take out the insurance. I started my battle with Lloyds in February with a request for detail of PPI payments paid out for both my Credit Card (in arrears and on a DMP) and Loan (paid in full), using a template letter from this forum and sending a £10 cheque. Letter sent recorded delivery. Within the 40 days I had a brief letter back stating that there were no default charges on my loan account and nothing about the credit card. I rang up and clarified that I wasn't asking about default charges, rather PPI and confirmed that a copy of the original agreement ( both dated Aug 00) and the statements or a table would be fine. I made endless phone calls to chase these and eventually got the credit card statements, however nothing came for the loan. Infact, I was passed from department to department as noone took ownership for it. Loan department said as it was closed they didn't have it on record, other departments couldn't see it either, despite me giving the loan account number. I was offered promise after promise and call back after callback, none of which were kept. I finally got fed up and end of July took my complaint to the Ombudsman, who confirmed receipt of my letter immediately. I then got a letter from Lloyds Insurance saying they were looking into my complaint. Two weeks later, I had a letter from the complaints department advising that the account number I was quoting was opened in Aug 00 and closed in Aug 01, when I had been given a rebate - but they were happy to refund the payments I had made plus interest. I checked my bank statements and found this to be true, and as Lloyds had forgotten to include the acceptance slip, rang to accept. Whilst on the phone I mentioned the other loan, which after a memory jog I remembered taking out and the same bank manager just assuming that I would want to continue the PPI, not giving me any say in it. I had the reference for this from my statements too and the complaint handler took the details then called me back to say she had rung my old branch and they had a copy of the agreement. I was sent a copy which detailed the PPI that I had paid up front - £1954.83. I didn't even have to ask for it back - I was offered it and told that I would get the interest too. That was yesterday, and I gave my bank details for a bank transfer. Today I have a deposit of £1954.83 sitting in my account. The smaller amount of £250ish I have been told is a different type of loan, and my branch will be arranging the payment plus interest in the next 21 days. I will ring up about the missing interest next week.... However, my advice to everyone is this - it's not just the people whose insurance was not valid who can complain and win - it's also the people who were not told it was optional. And get the Ombudsman involved as quickly as possible - it's amazing the difference they made. If anyone needs advice or a telephone number for the complaints team (who I can't praise enough once I actually got to speak to them rather than the other 101 staff beforehand), I'm happy to help.

My case vs HSBC was stayed in Nottingham County Court today. Before I saw the Judge, I overheard the Usher telling someone that all cases are being stayed. The Judge told me that they were seeing both parties on a case by case basis to tell them personally that the case was being stayed. He did not care that HSBC had not folllowed directions by not sending me their court bundle. He also gave me a ready prepared Q & A sheet about the OFT announcement and a copy of the agreement that the OFt and the banks had made. What surprised me was that he gave a veiled warning about websites that would advise me to get the stay lifted, and that they didn't know what they were talking about. Needless to say, HSBC solicitor went away looking very smug.

There is a potential question here as to whether the inq80's situation is covered by the Billing Code. If Powergen have created a bill and attempted to the read the meter and have sent it out in good faith to the builders and the builders have not informed Powergen of the change of address from a plot to a postal address, and in addition the builders have not rung to query the bill and advise that someone is now occupying the property then I don't think that this falls under the Code. If Powergen have not created any kind of bill, or have not attempted to read the meter (ie not assigned a meter reader), then inq80 is covered. This issue here is that the code is a Backbilling Code - there is a time limit on how long you can wait before you produce an original bill for units used - sending to the wrong address in good faith is not included. That said, if you can produce a copy of the tennancy agreement which shows that you are only partly liable, you should be able to get them to agree to only charge you for your part, with the arguement that you tried to set it up in joint names at the time. (You would not be able to do this if you had been able to set up an account at the time)

In your conversations with the DCA, have you been offering any kind of payment arrangement, even if it's just a token £1? If they decide to go to court, and I very much doubt they will as to Powergen £292 is a small debt, the court will only grant a CCJ based on what you can afford. By the time it gets to that stage, by what you have written, you will have declared bankrupt and your debt will be written off anyway. If you make an offer (and stick to it), and ask them to only correspond by letter. explaining your circumstances, you will probably be fine. If you don't make an offer of repayment, they will probably visit even if you ask them not to. The fact that you have already paid off half of the original bill also stands in your favour as it shows you are not totally ignoring the debt - just that your circumstances have now changed.