Thank you I might just email Ronan. But I assume I should have received correspondence in my SAR information regarding the default placed on my credit file?

I recently discovered that in 2011 O2 put a default on my Equifax credit file for £9. O2 have just responded to my SAR request with various records. In these records is a charge to an old account in February 2007 for £7.18 that they wrote off in March 2011. There is no information or letters concerning the default placed on my credit file. Should there not a be a record in the SAR of O2 writing to me concerning the default?

Well Equifinance wrote back and produced various statements that neither Mother Teresa nor myself had even seen. Odd the accounts in joint names and Equifinance always write separately to Mr Pope and Mrs Pope, both the letters with the statements in went missing. Very very strange and so unlucky! the statements they "produced" are in fact inaccurate. So the whole lot is now with the FOS.

Thank you

I recently realised that Equifinance had failed to send me any statements for a loan I took out at the end of 2013. I have just written and made a complaint about the failure to produce them as CCA 77A 1(a)(b)and request that the interest charged during the failure is removed from the account as it shouldn't be charged as CCA 77A 6(b). Equifinance have acknowledged my complaint and are investigating.

The easiest way is to send a request; cut and paste this into a letter and edit it for you account. I would suggest you send it recorded delivery. When you get a responce, start a new thread of your own and post a copy for help. But make sure you run a black pen through personal information like name, address and account number. RECORDED DELIVERY Statutory Request under Sections 77-79 of the Consumer Credit Act 1974 Dear Sirs, Re: account number xxxx xxxx xxxx xxxx With reference to the above agreement, please send me a certified true copy of the original signed agreement. I understand that under the Consumer Credit Act 1974 (Sections 77-79), I am entitled to receive a copy of my credit agreement on request. I enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act. A true copy of my credit agreement should be supplied within 12 working days to comply with the Consumer Credit Act.

Thank you the post alanalana, must have taken a while and is appreciated. We applied for a SAR earlier in the year so the information I have been posting has arisen from starting to wade through the three feet high pile of paper. Some of the loans were definitely taken out while self employed so I have asked the individual to note down employment history against each loan. The heart attack was not a previous medical condition and completely out of the blue. My research started with reading the stickies in the PPI forum but as with all research lead me to many threads and posts which I have printed off and read for an hour each day. As for the claim against the PPI, it is called LPI by Lloyds, the help line suggested it should be against the critical illness section and have sent out paperwork. This will take time to complete as it is lengthy and needs GP input. Reading the little booklet that comes with it, it appears it will run as long as he remains unable to work and in theory would clear the loan! But I need to sit and read it properly. I will not let them make a claim in a hurry whle we consider all options. As for the old loans and the total PPI when you add them all up is over £20K! The current loan has a balance of £14K. So if they had had no PPI - well do the maths it is simple.

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Post number 3 in the link below is a start for any claim letter to Lloyds http://www.consumeractiongroup.co.uk/forum/payment-protection-insurance-ppi/230010-lloyds-tsb-missold-ppi.html

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Mikey looking at your list it so similar to the one I am looking at. Lloyds obviously had a policy to target certain individuals with these loans for reloans to get more money, more commission and big fat profits. My own relative was simply aghast when they realised what had gone on with each loan and the LPI being lumped on each time when we went through the statements and put them in order. From my research so far I can tell you that the lumps of LPI you note are PPI that was "front loaded" on the policy. As opposed to added each month based on the balance. Also PPI before 14 Janaury 2005 was dealt with by three trade bodies Association of British Insurers (ABI) general Insurance Standards Council (GISC) and the Finance and Leasing Association (FLA). PPI - rules before 2005 - How to tell if you?ve been mis-sold PPI - Your money - Which? Advice After 2005 it all is FSA. FSA unveils tough measures to protect PPI consumers

History - I have recently started helping a family member who had a loan from Lloyds in 2001. This orignal loan had front loaded PPI (Lloyds call it LPI). The loan has subsequently been "cleared" and moved to a new loan on 6 seperate occassions roughly every 8 months or so. Everytime more PPI has been front loaded onto the new loan with the old balance and any new advance. The current loan has a balance of £14K but all the PPI from the old loans is more than this amount. All very shocking. Now this family member is over 65 and had a heart attack earlier this year and is now not working, unlikely to ever work again and struggling to make the £500 per month repayments. Oh and previously has been self- employed! I am still looking and learning about PPI and will be assisting in a claim in due course, once I am up to speed. In the meantime, the family member has rung (this week) the PPI people and advised about the heart attack and Lloyds are sending out paperwork to process a claim against the PPI cover for the repayments. Question - would making a succesful claim against the policy be wise? Would it hinder a later claim? The repayment of the PPI premiums would easily wipe out the loan balance in due course. But claiming now on the policy gets over the short term problem of the repayments.

Thank you. I am still working through the SAR reply from Lloyds. If I come across a copy will post them up on here.

Any more news Mikey40? I spent this afternoon looking over a SAR from Lloyds for a member of my family. They have had 6 loans from Lloyds over the last 7 years. Each new loan paid off the previous and every one has LPI added to it. I didn't add it all up but the LPI on the lot is well over £10,000! So I am now reading lots of PPI threads and getting up to speed.

Did you find them jonnyt79? I also need a credit card T&C for PPi from 2001

I have posted all the above just to let others know what happens and how the road runs over two and half years. I myself also have an IF Visa account with a "debt" of just under £10K it is also with Hillesden, they have yet to tell me no credit agreement for this account. But I am sure they will eventually lol.

After a couple of we will be in touch letters the following arrived from Hillesden - October 08 1 The original lender has been unable to supply a copy of the original agreement, however please find enclosed a true copy of the agreement which complies with your request under section 77-79 of the Consumer credit Act 1974. 2 Due to the above, we will not continue with any proceedings on the above account at this stage; however, should the documentation become available we will notify you accordingly. 3 Although we are unable to enforce the agreement at this time, the default will remain on your credit file until the debt has been satisfied.

So we sent off a pleasant little note to Hillesden and copied in Aplins, it went; I have recently been notified by HBOS that they “assigned all of its respective rights, title and interest in respect of the above referenced account to Hillesden Securities, effective xxxxx”. I now write to communicate to you my position. In February 2007 I requested a signed copy of the Credit Agreement, this HBOS have failed to produce. I know that the lack of a signed Credit Agreement, in the required format and with the required content, is a fatal breach of the Consumer Credit Act 1974 for creditors. As requested by HBOS I have made contact with you and advised you that this account is in dispute. In summary; 1) I do not acknowledge any debt for the above account. 2) Any further communication should be made in writing. Any telephone calls will be recorded and considered harassment. Telephone calls will be in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997, and The Communication Act (2003) s127. 3) No one from Hillesden Securities, direct legal & collections or any other organisation acting on your behalf has permission to visit my home. Anyone visiting my home will be considered a trespasser and their action will be immediately reported to the Police.

My good wife the mother superior had an IF Visa card. This card we stopped paying back in February 2007 and requested a copy of the credit agreement from IF. They failed to produce one. Blair Oliver Scott also failed and sent it back across the corridor to IF. Then Wescot had a go in January 08. Followed in March 08 by IQOR. Next up was Robinson Way, who warrant a new paragraph, in June 08 after a Formal Demand (oh how we quaked) followed it up in August 08 with a special invitation ** substantial reduction ** special invitation for 30 days only a sustantial discount will clear this debt. Thirty days came and went. Now it was Bank of Scotland who wrote in October 08 and offered 40% off the debt of £2,800ish. Either £1700ish as a one off or pay us £650ish month 1 month 2 and month 3. Oh how we were tempted to rattle the collection plates. Then in July 09 Halifax wrote to tell us they had assigned all of its respective rights, title and interest to Hillesden Securities as of the middle of June 2009. This all arrived in the same envelope as as Direct Legal & Collections letter. And then a solictors letter from Aplins Stockton Fairfax in August 09. Enough for one post story concludes in the next one.

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Received my annual statement from Amber Homeloans last week. Have had a play with an excel spreadsheet and I can not make any of the interest charged each month work with the interest percentage. I have calculated the daily interest and added to the balance for each month and they are all a few pounds to much. Have written to Amber and requested their calculations and enclosed my own for two sample months. Anyone else checked or queried their Amber Homeloans mortgage interest?

IF Visa card cut up or Halifax Visa card cut up?

Nomore, Do you still have an IF Visa card? I had one when I opened an IF current account back in 1999 I think it was. Then a few years later IF withdrew the VISA cards and transfered my balance to a Halifax Visa card. I never signed and returned the new credit agreement (in my then ignorance) for the Halifax VISA. When I requested the credit agreement they sent me the IF one from the original account. This I rejected.

Your welcome