Thanks so much - Will scan the document now.

Hi All New Poster so hope I have put this in the right place. Can anyone help me understand my rights. I took out a loan with First Plus in July 2005 for 42000. PPI was added putting my borrowing upto 52000. In March 2008 I went to First Plus complaining about PPI and then they went to Central Capital who apparently sold me the PPI. They offered me 5000 and then as a full and final settlement offered me £7500 which I accepted. Now with the new Barclays acceptance of PPI I am wondering if I am entitled to more (The missing £2500 from the original difference) plus all the months paying for the PPI to First Plus. I tried complaining again and Central Capital have sent me a letter saying that they already paid out the £7500 and as it is over 3 years since this complaint then I can't go to the financial ombudsman. Does anyone know if I am actually entitled to anymore money - To be honest I am not even sure who I should be targetting - First Plus who I took the loan out with or Central Capital who I didn't know I was even dealing with. On a separate topic although unrelated I sold my house and had a £20,000 shortfall - First Plus agreed that the loan could now become unsecured and we agreed a £268 a month payment. I have never signed a new agreement or terms but obviously they removed the charge over the house. The more I think the more this worries me and wonder if they have followed any correct process. The loan still shows as Secured on my credit file but obviously it isn't.

Hi thanks for your help. It was taken out years ago (possibly around 2002) - I really don't have the paper work to verify.

Hi Sorry yet another Lloyds CCA question. I have been reading for about 2 weeks on and off about what to do with Lloyds - I am getting myself more confused I have a platinum Credit Care with a current balance of 14800 currently on arrangement of £88 per month with frozen interest. Doesn't need much imagination to work out how long this will take to pay off! I sent them a CCA request and after about 4 weeks got a reply with a copy of their current terms/a copy of my latest credit card statement. The letter bascially says that there is no requirment under the CCA to provide a copy of the original signed agreement. I am stuck what to do next ? Is this true ? - I have £60,000 pounds worth of unsecured debt so I am really trying to sort myself out. Due to these debts I can't take the moral stance and just need to try and get out of each one (Written off preferbly) I have a wife who also works part time + a Baby - This is really stressing us. Any help from anyone would be great and advice and any success stories etc. Thanks a lot.