stilll no news-yawwn

HI-Loan began on 7th sept 2004-on that day the ppi -£1285 was added into the loan total bells rang in my little head and so cancelled the ppi-it is shown as cancelled on 7th sept 2004! efficient staff at unwelcome never reduced my payments nor the balance to take this into account. I have also been unblessed with £380 worth of charges. do i just claim the charges or can i include the ppi installment somehow to reap back some interest on it-please advise-oh its also logged with the complaints team now-my grand balance is £3320 but if they take off £380 in charges and £1285 for ppi-it only leaves £1660approx-much better

they have only sent 5yrs 6 months of charges and 40 days is up-please advise-shall i start claim or write to them

hi-i took a loan out with unwelcome in 2004 and was bullied into taking ppi-i immediately cancelled it! i recently asked for a settlement figure and was quoted £3200 left on a £4000 loan-it took 4 requests to get a settlement figure and last week requested a list of charges-i have £400 in charges added ad the ppi has never been deducted even though the insurance people say it became invalid 2 days after the loan was taken. the loan of £4000 is actually £4000 +£150 arrangement +£934 insurance +£1945 interest.! i plan to have £400 charges refunded plus £1200+ for the cancelled ppi-wow

dont have all account balances so will go for just charges and possibly 8% if it goes to court

hi-received my statements today-if i want to cci but ont have the account balances when interest was deducted does it matter?-also i've noticed some entries as o/draft usage fee-is that claimable??

its annoying though that the account just gets redder and redder

any developments?

40 days almost up-may 12th and no word or statements as yet-can they keep adding charges after they receive S.A.R - (Subject Access Request)?-at what point must they stop ?

hi zedwoo just wondered who you sent sar to? i addressed mine to c/o lloyds cos i was also under the impression that my account which was closed around 2001 would be with them-the sar was sent to bn1 ??? on april 30th but has not been signed for-royal mail wont chase it til its been 15 days-cr*p. wondered whether to try another address-i contacted morgan stanley who have no record of the account-just need a valid address for goldfish-helllllllllllllllp

no news as yet-yawwwwwn

managed to find my account no whilst filing old paperwork-rang halifax to discover that the account was actually closed in nov 1997-anyone reckon its worth pursuing that far back??-anyone won??

hi-i had this problem eith an old halifax account-sent a sar with my date of birth and previous address on it-nothing back from them yet-but, in the meantime -low and behold found the account no on an old mortgage application photocopy-

hi pals-i'm thinking about taking lloyds for 6 years and then if there are a few more successes from other people going further back-we had a halifax account which was closed approx 10yrs ago that would be worth afortune if we were to claim just a bit weary about going to court though-i'm not a confrontational person and it gives me the joobies thinking about standing in court

ah ah -got a thread which i'm desperate for help with.lol

thanks for that advice which i will follow-any chance you can advise me on goldfish problem-pleeeeeeeeeeeeeese-ju

hi thinkfirst!- I just sent sar to for my current account-been banking with LLOYDS for the last 20 odd years through thick and thin- went to online statements back to july 2002-£4900 in charges to present-this is a joint account which has a £1500 od facility but to press is £1800 overdrawn because of constant charges -we also have an online account and hubby has a loan account which has £2000 arrears at the mo-mainly due to struggling with the hefty charges being put on the current account each month like yourself- worried any money we win will be automatically PLACED into the loan account if and when its paid back to us!!!!!!!!!!

thanks for the advice-just phoned capquest-but before i received your advice-they are putting a 14day hold on the account-wish goldfish claim was a s straight forward as this-stumbled at starting blocks

bump

bump

bump-helllllllllllllllllllllllllllllllllllllp

lba now flying by pigeon post to co-op-posted it recorded on 4th may-here we go waiting for another 2 weeks -then........

hi paul-goin round in circles-sent sar to bn1 4fy-not signed as received-got phone no off directory enquiries-continuous beep tried customer liaison dept for goldfish who gave me morgan stanleys no-they couldnt find my account so put me through to goldfish again HELLLLLLLLLLLLP! HAVE YOU A CONTACT NO FOR BN1 4FY??

sent sar to c/o lloyds 3rd floor...... bn1 4fy--please pm any useful advice/info-ju

hi-i sent sar on 3oth april for aqua card and then received a call from 1st credit who say they are acting on behalf of aqua but dont own the debt??!! -are aqua responsible for still sending sar -what should i do next??