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About lollipop2

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  1. The debt management I handle directly myself with all my creditors so no signed agreement in place. I guess I'll just have to wait until it sells and then try to negotiate. I've spoken to National Debtline and they advised I should make it clear that I will be a pain to deal with by going to the ombudsman about my mortgage missell (under their discretionary powers to look at older cases) and over the PPI shambles as well as making it clear they have already admitted no CCAs on many of my debts. They said the most important thing was to 'sell' to my creditors the f
  2. That's not what I was asking for - I was asking where I stood in terms of the bank being able to force me to use all of the money to pay unsecured debts or not. I simply shared the additional information in case it helped. Not to worry, I got the general advice so we'll leave it there.
  3. Thanks that's really helpful info. With regards to the deposit for somewhere else to live, my husband and I were looking to sell his house too and use money from both our homes to buy somewhere new (currently bursting at the seams in this one, it's in serious disrepair, and it's an awful area to live in). Could I in the interim, rather than waiting until we've bought a new place as that could take some time and I was hoping to have debts settled before we look to move) just give him a proportion of the money to pay off of his mortgage so I no longer have that
  4. My SAR was returned, NatWest confirmed they couldn't find all the CCAs and that whatever they could find, was in the SAR file. When I was doing my PPI claim, I was told not to start lots of different threads but to keep everything to one thread... All I wanted really was some general advice on negotiating a settlement, and how to handle it to ensure that they don't start chasing me for the remainder once it's settled. Are there template letters?
  5. Thanks for the replies. I no longer bank with NatWest (who the lion's share of my debts and my mortgage are with). There is no charge on the property, all the debts are unsecured (except obviously the mortgage). I have a bank account that is completely separate from all my creditors. My debts are: NatWest: Unsecured Loan approx £20,000 - monthly payments going to debt collectors currently NatWest: Unsecured Loan approx £8000 - monthly payments going to debt collectors currently NatWest: Credit Card approx £3500 NatWest: Credit card approx £3500 Capital One: Credit car
  6. Hi there. I'm currently in debt with several companies, including NatWest, Capital One, and Tesco Bank. NatWest is my biggest creditor and I also have a mortgage with them. I've been doing my own debt management plan for about 5 years so far and am currently paying £1 a month on all of my debts due to a drop in income (I'm currently a part-time student and do freelance work so my income varies). Some of them have been passed to debt collection agencies, including the NatWest debts. I'm (finally now the market is good) selling my property so I c
  7. Thanks, I did start a separate thread and they got merged into one again so I thought I needed to discuss all my issues in one thread. Thanks for the spreadsheet, it's better than the ones I had seen. The way I had done it was to have a column for the monthly interest rate but this one seems a bit simpler so I will use that. A further issue that has arisen out of all this is that when I received my SAR file, it became clear that NatWest has lost the vast majority of my credit agreements. Shall I start a new thread as I'd like some advice on whether I could use this to help me n
  8. Ok thanks for the advice - I've asked NatWest for a breakdown of how they calculated the loan PPI and I will check it off against that and my SAR paperwork. Regarding the credit card, I spoke to the FOS and they advised that companies are entitled to use the entire amount including statutory interest to pay off outstanding debts if they so wish. They did however say that if NatWest have told me one thing then done another, I could escalate it to the FOS. I have spoken to NatWest credit cards again today (I asked for a manager call back) and they advised they woul
  9. Right an update and a query. Good news is NatWest has agreed to uphold all of my complaints on both my credit card and my loans. On the loans, I have asked for a detailed breakdown and will then match it off against my own calculations. I needed to know how much PPI I had paid as quite a few of the loans were paid off early with other loans and NatWest is saying that when the loans were paid off, the outstanding PPI was refunded at the time. On the credit card, I had an offer from NatWest over a month ago. I wrote back to say that the calculations were i
  10. Just made a complaint by phone. Refused to give me a complaint reference, saying they had no idea what I was talking about because they don't give out complaint references... Told me that they absolutely aren't trying to catch me out and that the questions are to help me. I asked why they'd be asking me to repeat answers I'd already given them in writing. They advised this must have been an admin error. All very suspicious. Should I wait for a response to my PPI claim or go straight to the ombudsman with this?
  11. Thanks, I normally would have done but had just woken up and am on painkillers as I'm recovering from a car accident so wasn't really with it. I will make a complaint - should I make it to the PPI address or the NatWest or RBS head office? Every question he asked me, I asked him which job he was asking me about but he would only give me dates, saying he didn't have the forms in front of him. I told him well nor did I so he needed to find the forms and call me back if he wanted more info. I told him he'd need to tell me which job he was referring to or I wo
  12. Hi there, bit of an update and a question regarding NatWest. I had numerous claims including one credit card claim. The first one I sent off was the credit card and NatWest upheld my complaint and made an offer. It was lower than it should have been based on my calculations so I wrote back with my calculations stating the amount it should be for. today, I had a call from the RBS PPI team regarding the loan PPI claims I'm making asking me lots of questions that I had already answered on the forms. The person who called was really rude, was being
  13. I've been doing a lot of reading, I just wanted to be absolutely certain before I went ahead with my PPI claim. Don't worry, I won't ask for help again.
  14. Ok thanks. So in answer to my questions do I take it that: 1. I have no room to negotiate my position based on lost CCAs (for example, to negotiate a smaller payment if I pay off as a lump sum)? 2. I should just focus on getting my PPI claims sorted? One other question I asked earlier that still hasn't been answered is: 3. I can remember the PPI sales conversations quite clearly, I remember some were in person, some over the phone, however I can't remember which one took place in relation to which loans. The PPI questionnaire asks whether the policy was s
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