Thanks Jansus At least if you can see what you are facing you can have a chance to defend against the attack. When you have not seen (or heard) your attacker it takes on a different meaning altogether. The shock factor at the time was incredible and unexpected. Thankfully I am still able to cope with any dogs and have no fear of them after the attack. Mine is a big and powerful hound and I suppose that helps a lot. I will just have to see what the solicitor says next and take it from there.

Year ending 31/12/06 Retail Financial Services sale by HBOS End of page 71 http://www.lloydsbankinggroup.com/media/pdfs/investors/2006/2006_HBOS_Results.pdf

HERE ARE THEIR DATES BUT THEY FAIL TO RELATE TO THE DN I HOLD In view of this I may be being misled. Mine is dated 3/4/07 We have other letters from GE after their latest dated alleged DNs but no more DNs...... most go into 08 saying YOU HAVE FAILED TO MAKE AGREED PAYMENTS ... BLAH BLAH .. Point to me is that the assignment say that it was CLs from Dec 07 but GE were still corresponding asking for dosh well after that date.

So I should bang in a PPI claim to Santander/formerly THE MEGA PPI MISSELLING FINED GE on this basis and using the facts re their previous ownership ? I can work out amounts as with credit cards showing monthly statements, with the CAG calc, but (being a maths thicko) not sure how we go on with such a SINGLE lump sum on a loan as in this case. Above total is just the PPI lump on the agreement plus 8% . I know - I am probably jumping the gun with a PPI claim to S at this stage. I also have a SAR due from BOS, which may inadvertantly reveal more on this one. Its just mad that they can change a loan into a running credit thing and change the number too without me knowing anything about all this. Santander also claimed they had sent me 3 DNs - yet the only one I hold is dated differantly to any they say this issued. Anyhow - this is as far as it has got ......

Thanks Vint - all great input... “Was the account sold back to CL, following absolute assignment? “ All I have is the assignment from GE to CL - which CL informed about a long time later. “Any assignment between HBOS and Santander? Any assignment back to GE from CL?” No – nothing to suggest this in our records. Santander (GE) said in last letter to pay balance to CL and that their sale was all quite "legal".

Yes - its was only ever a loan and never a CC- THE NOTICE OF ASSIGNMENT on post 65 states this too. Its as if they changed the goal posts when the number was changed.

Thanks CB - yes I also believe that serious misgiving are afoot in this lot. Your wizardy seems to establish ownership, which is possibly the crux of the matter herein. I felt that GE (now entitled Santander) are the ones who should be giving back missold PPI). And I reiterate .......... We have letters relating to the new 982… acc no. from GE (with RFS title on the letter too) asking for payment from 3/1/08 and also 10/1/08- but it had already (questionably) been assigned by that particular time to CL. And yes this was just a loan and the numering disorder does not ID the account properly We need to watch this bit for the assignment to CL was earlier, on 31st Dec 07. GE only told me about this in Sept 08 As you rightly say - "why would they take 9 months to advise you of this" For ref, the CL Notice of Assignment is on post 65, page 4 of this thread. I will however see what others advise, before writing back to Santander. Many questions have crawed out of the woodwork on this file and something is just not right.

Checking back with the Notice of Assignment, it says "We hereby give you notice that GE Capital Bank Limited trading as GE Money, have by assignment dated 31st December 2007 assigned to CL Finance Limited.. absolutely.. etc, etc . The assignment is dated 10 September 2008 Why would they take 9 months to advise me of this. We have letters relating to the new 982… acc no. from GE (with RFS title on the letter too) asking for payment from 3/1/08 and also 10/1/08- but it had already been assigned then. So, IF I AM READING ALL THE CORRECTLY, GE was asking for money then on an agreement that was assigned to CL on 31st Dec 07.

The owner said to me was that he had two dogs and one was a rottie but that it was the other one that bit me. He did not disclose what breed it was.

They have been informed about this many times but ignore all logic and continue to pursue. The account has been in dispute since last summer and they have admitted that it is untraceable but this does NOT stop them chasing it.. They have been informed about this many times but ignore all logic and continue to pursue. In BOS land things work differently. It’s a lovely shiny place were money grows on trees and all nasty consumer complaints about banking misconduct and violation of OFT regulations drift away on the light summer breeze. So long as one is on their happy lists one will be harassed ad finitum.

Here's the letter stating that Santander "acquired the business" from HBOS... All about defining that term: acquired the business - I suppose?

Like I said this was apparently a joint venture and the only passing over/assignment performed seems to have been from GE to CL later on. This is no evidence of any assignment from HBOS to GE/Santander.. In fact BOS show very little on any of the documentation we have of this account. It is the GE logo on everything from the start. I do know that GE have been fined in the past though for big time PPI misselling. I feel like I am being given the run around and just dont know what to do here. Santander has however stated that they “acquired the business of HBOS and as such took over the administration of the account. We are therefore within our rights to assign the account to a third party” I cannot find any sign of any assignment from HBOS and I would imagine that Santander are committed to their own words and deeds herein with this declaration?? And we still have no idea why the agreement number changed during all this activity to the one that CL are hunting today. Someone must be liable for PPI on this lot.

In - house chumps for the BOS, Blair olly and silly, have just also sent me a letter asking for token payment to continue. They say they note that I have maintained payments to this file. Wrong - I stopped all payments last summer so either they are simply plum stupid or someone in cuckoo land is paying them... Amazing that I am asked for money on an untraceable file ... trading regulations dont apply in BOS Land....... Can anyone take these clots sereiously??? Another very interesting point is that many companies make a big thing about crappy application forms being fully compliant agreements, which is a bogus claim. BOS first sent the app form and later said that the account was untraceable... This makes a change it the usual misleading bank spin we so often get . BOS appear therefore to know/admit (albeit when pushed) that an app form, lacking properly prescribed terms, just won't cut the mustard as an agreement anymore. But saying that - I now get the silly letter off their BOS shark asking for dosh, which seems to counteract their previous efforts..

This image is the reverse side of the CL assignment page. I have uploaded the actual CL assignment earlier. This shows that the assignment was by CL and NOT GE, who previously held the file. One would have thought the GE should have been the ones to do the actual assigning here...

Thank you Gemspan for your kind concern. The owners initial reaction, when he saw me standing their covered in blood was, flippant - he was really not that bothered and quickly closed the door on me. I think his partner must have worried him though and seen the potential legal dangers hence his subsequent visit to the hospital to find me. His main concern turned out to be whether or not I had informed the authorities. WHEN I INFORMED HIM THAT I HAD, HE SWIFTLY LEFT THE HOSPITAL. The people who I delivered for were sympathetic but nothing more.

No sign of it. Instinct tells me that BC wont have very much to show me anyway.......

Sweetest thing anyone ever said to me at Xmas Have a good one. xxx

Well all BC sent was a terms sheet for both accounts and thats it........

SANTANDER, WHO WERE GE, JUST WROTE SAYING THAT THEIR DN WAS FULLY COMPLIANT AND THAT THIS DEBT IS FULLY ENFORCABLE. They seem to be saying don't bother us just tootle off and pay CL what you owe them.... I mean, who cares if its got the wrong agreement number on the agreement and defective DN - they sure dont.... Just pay up and dont ask questions ..

dx100uk - Thank you for that - I think that is the way to go. As I said above the only historical data, including statements back to 03 have been on the Prov/Mon ticket and that holds a differant number unlike todays BC accounts. I shall however claim back PPI, or whatever BC call it, on the Mon acc number I have. I am eager to see what the SAR brings - that's if it ever arrives...

I just found another old letter from Monument which clearly states that "we are changing our name for Providian to Monument." This was back in 03. However - I still cannot understand it as the accounts now huntetd by Barclaycard have totally differant numbers. BC have admitted that what they are chasing today comes from Monument too. No agreements - no applicable numbers ..no historical records of what BC hunt today

Paymant Break Plan info here may be something I can use Any ideas?

RW are pussy cats - I got them to close their files on me after they came in mob-handed for Barclayclowns.

"Also, they mentioned that you signed a contract with them. have they provided the evidence of the signature?" No agreement - signed or otherwise - has ever been given. I'm pretty certain that if anything nothing more than an app form would have been used. Old account too though so ...... plus the new issue of PPI misselling .. Is it any wonder that getting account info off this crowd is like getting blood out of a stone. Reason? They do not want us to know how much is owed - TO US

HI DEB - NO AGREEMENT AT ALL FROM THEM - JUST THE USUAL TERMS SHEET WHICH IS HARD TO READ. I HAVE GONE THOUGH ALL THIS WITH THEM AND THEIR STADARD RESPONSE IS.............. YOU HAVE A DEBT WITH BC, WE SHOWED YOU OUR AGREEMENT WITH YOU (I.E. ILLEGIBALE TERMS SHEET), SO SHUT UP AND PAY UP NOW OR WE SHALL GET TOUGH...