Many thanks for that, I knew someone would have the answer. Lorna

Hi, I have just received my credit file and find an entry for vodaphone which has lots of red marks against it (i.e. I have not paid) although it says that nothing is now owing on this. The thing is I have never had a Vodophone phone or contract, I have always been with O2. My question is how can I get this removed. I have worked really hard to keep my credit rating high and do not appreciate this on my file. Many thanks Lorna

Just sent off my request for copies of all the loan credit agreements. I have found two of them and they both state PPI Loan with the PPI monthly payments for the whole term of the loan and not the 5 years that the PPI runs! rip off or what. I was never advised of this. I have looked through the terms and conditions of these agreements and cannot find any mention that they are upfront fees. So does this make my claim better or worse. Thanks Lorna

Help again, I have been sorting out my paperwork and have found another two loan agreements with Barclays. Both have PPI and although I was aware that one had PPI which I cancelled and they made me take out a new loan with an increase of 7% on the interest rate I never got any money back. I wasn't aware that I had PPI on the second. The other one I don't seem to have the paperwork only the insurance paper which tells me the account number and the date but not how much the loan was for (I think it was for £3000). My question is 1. can I claim all three back 2. as I can't remember all the details of who I spoke to etc is there a letter template which asks barclays for the information Many thanks for your help in advance.

thank you hellhasnofury, I will do that. I am determined to get my money back not only because I am Cornish but I hate being ripped off! I will let you know how I get on. Lorn250

Hi, this is my 1st thread so please be patient as it is a bit long winded.I applied for a secured loan of £25,000 from Barclays in Sept 06. The salesman advised that I would be better off having £25,100 as this would be a better loan for me. Stupidly I agreed. He advised that I would need PP insurance, I explained that my Company pay full pay for the 1st 6 months sick and then half pay after that. I also told him that I was awaiting an operation for a back injury which would take place in Jan 2007. He said that I would still need this insurance but that it wouldn't pay out for the operation. He explained all about the payments and that I would be paying £54 a month for the insurance. I have since looked at the policy and it appears that PPI was added upfront for £6,500! I am in the process of remortgaging and asked for a settelment fee for my loan, incredbly they want just under £30,000. I rang and spoke to them and they told me that I should have read the small print (which is not clear that you are being charged upfront). They advised that included in this settlement fee is £4,750.00 for PPI insurance. I would like to claim this back, does anyone know of any forms or letter templates for this.Many thanksLorn 250

Hi, this is my 1st thread so please be patient as it is a bit long winded. I applied for a secured loan of £25,000 from Barclays in Sept 06. The salesman advised that I would be better off having £25,100 as this would be a better loan for me. Stupidly I agreed. He advised that I would need PP insurance, I explained that my Company pay full pay for the 1st 6 months sick and then half pay after that. I also told him that I was awaiting an operation for a back injury which would take place in Jan 2007. He said that I would still need this insurance but that it wouldn't pay out for the operation. He explained all about the payments and that I would be paying £54 a month for the insurance. I have since looked at the policy and it appears that PPI was added upfront for £6,500! I am in the process of remortgaging and asked for a settelment fee for my loan, incredbly they want just under £30,000. I rang and spoke to them and they told me that I should have read the small print (which is not clear that you are being charged upfront). They advised that included in this settlement fee is £4,750.00 for PPI insurance. I would like to claim this back, does anyone know of any forms or letter templates for this. Many thanks Lorn 250