Thanks for the reply. Just so I have this clear in my mind. The wife still has to send the stuff back to identify the driver despite the NIP being time barred? or Do I return the NIP to the process office stating that I reject it because it is time barred? or Both? Thanks

Hi - I received a NIP a couple of days ago. The offence took place on 30 June and the NIP was dated 16 July and postage stamp is 16 July (I have the envelope). I was the person driving the car when a speed camera must of clocked me doint 59 in a 50. My wife is the registered owner and the NIP is addressed to her. I know there is a 14 days rule which this clearly breaches, but can someone assist me in advising me what I should do? Do I ring them and tell them? or what? Thanks for your help? Bobby

Thanks for your posts. The last time they updated it was July 2006! Not entirely sure how to go about this, would be grateful for some guidance as I don't particularly want E&Y or some other mob hassling me, even if the debt is SB. Bobbyh

Unfortunately there is no default! It is still active! The lender is a company called London Scottish who I think are in Administration. I do wonder whether there are different rules which apply to a company in administration! I guess they should have defaulted it back in 2004. I spoke to Experian and they said that the account will remain on my file indefinitely! Thanks Bobbyh

Can I ask a quick question? I took out a loan in 2003 and for one reason or another I stopped paying sometime in 2004. The last time my credit file was updated by the lender was July 2006. No-one has ever chased me for any money and I have had no contact with the lender since 2004 yet my credit file says the loan is still active with red 6's everywhere. Simply put how do I get this removed from my credit file? Bobbyh

Amazed, I have received the FSCS form in under a week after phoning them. Anyway, I thought I would attach the form in PDF for everyone to use. BobbyH FSCS2.PDF

OK thanks. Just some other questions regarding this: In the box Principal do I put the amount of the single premium PPI? Under Rate of Interest do I put the APR quoted on the Credit Agreement? What do I put under Number of 'rests' each year? Presumably the start date is the start of the loan and the end date is when the loan was settled? Sorry for the questions but when I receive the FSCS application form, I guess I would need to get my numbers correct! Thanks Bobbyh

Hi Could someone point me in the right direction to calculate what I would be due back from Welcome for single premium PPI on 2 loans. loan 1 included single premium PPI, which was settled early using the proceeds from loan 2 which also included PPI. Loan 2 was also settled early. I guess I need a calculator to calculate interest which is due and what the total amount would be due including the interest? Thanks BobbyH

bump

On my credit report there is an active loan account which was taken out in 2003. Due to financial problems nothing more has been paid since 2005. The company in question last updated my credit file in 2006 and have not been in contact with me since 2005. The active loan account hasn't been defaulted either so the status of the account on the credit report is 6. The question is at what point does this entry get removed from my credit file? In my eyes the debt becomes SB in 2011 so should be removed then!! Thanks Bobbyh

I thought I would update this thread. I had a number of charges with GMAC outside the FSA period of investigation (i.e. before they started regulating this lot!). Anyway I wrote GMAC a letter stating that just because the FSA ruled against them for a certain period 31/10/04 to 30/11/08, the charges which were applied outside this period (in my case 2003) should also be considered because if they weren't then they wouldn't be treating customers fairly! After the usual holding letters, I have received a phone call from them saying they agree and will reimburse me with the charges which came under the FSA investigation! BobbyH

I have already cancelled the holiday but I don't intend on paying any more cash I was just wondering what the consequences of not paying are? I will write to them with the details but what can they do, after all they have 6 months to re-let the cottage!! BobbyH

Hi Honeybee 4. Low Initial Deposit Offers Occasionally, offers are made giving you the chance to book properties at either a lower than usual, or a nil, initial deposit. Details of any additional terms specific to the offer will be notified to you prior to or on making your booking and should be read in conjunction with these Booking Conditions. If you book a property at either a lower than usual, or a nil initial deposit, you also agree to pay the difference between the amount paid and the usual deposit, plus any booking fee and any insurance premiums due, either at the time the balance of your booking is due, or at the time of cancellation if you cancel your booking. If you cancel you must also pay all other applicable cancellation charges. Please refer to Section 7 for details regarding cancellations. Any insurance premiums must still be paid at the time of booking. We reserve the right to extend any Low Initial Deposit offer. (ii) Full Cancellations If you have to, or wish to, cancel your booking, the party leader must telephone us on the number shown on your booking confirmation as soon as possible. The day we receive your telephone notification of cancellation is the date on which your booking with the Owner is cancelled. Depending on your reason for cancellation, you may receive a refund authorised by the Owner of all monies you have paid to us for your booking (excluding all booking fees and, where applicable, the premium for any personal travel insurance you have arranged with us, any amendment charges, and credit card charges you have already incurred. We will also retain a cancellation administration fee of £50 per week or per part week per booking.) Please note: The refund provisions referred to above only apply if the cancellation applies to all members of your party. All prices are for the entire property and not on a per person basis. Under your contract with the Owner, in order to qualify for a refund your reason for cancelling must be one of the following, must apply to a member of your party, and with the exception of pregnancy must have occurred after your booking and must prevent you from taking your trip. Please note that you will not receive a refund for pregnancy where the party member is expected to give birth within 14 weeks of the arrival date home . Illness/Pregnancy (subject to medical evidence of unfitness to travel); Death; Redundancy (provided employment has been on a continuous basis with the same employer for at least 2 years); Jury or Witness service (in a Court of Law); Illness or Death of a close relative (a close relative is defined as one of the following - Spouse, Son or Daughter (in law), Parent (in law), Grandparent, Sister or Brother, Fiancé(e)); your home is rendered uninhabitable due to fire, storm, flood, subsidence or malicious damage; your presence is requested by the Police, following a burglary at your home or place of business, during the period of your holiday or within the preceding 7 days; your unexpected posting by HM Forces or cancellation of leave by HM Police (unless the cost of the lost holiday is recoverable from any other source); or compulsory quarantine. You may also receive a full refund if you are unable to reach your holiday destination due to snow or flood conditions or as a result of being involved in an accident en route (NB: This only applies if you have made every effort to attempt to complete your journey. You will need to produce evidence from the Police, RAC or AA). Although a refund is available in these circumstances you may prefer to delay your arrival. In these cases a 25% refund is available for each 24 hour delay, up to a maximum of 72 hours = 75% (For short breaks, a fixed refund of 50% applies for all arrivals delayed for more than 24 hours). You will be asked to complete a Booking Cancellation form which may require signing by a Medical Practitioner or employer and in which we may request further information from a third party. The following reasons for cancellation do not qualify for a refund as set out above: suicide or attempted suicide, intentional self-injury, the effect of intoxicating liquor or drugs, or any other reason which is not specifically referred to. Where the reason for cancellation does not fall within one of the qualifications for a refund as set out above, eg: dis-inclination to travel, leave cancelled by employer (other than HM Forces or the Police) etc, a cancellation charge will be payable, levied by the Owner, based on the number of days before the arrival date at the property that we receive notification of your cancellation, as shown in the following table. This means that if you have paid the balance of your total holiday cost and then have to, or wish to, cancel, you may receive a refund of part of such cost. However, if you have not paid your total holiday cost including any booking fee and, where purchased, the premiums for any insurances, by the time of your cancellation, you may be required to make a further payment by way of cancellation charge. For the purpose of the table below, Accommodation Cost means the total cost of the accommodation booking, including any extra items. Any insurance premiums, booking fees, credit card charges and administration fees for making any changes will still be payable in full by you. Please note that, where already paid, such insurance premiums, booking fees, credit card charges and administration fees are not refundable in the event of your cancellation. CANCELLATION CHARGES Number of days before start date of your arrangements that notification of cancellation is received by us Cancellation Charge (plus all booking fees, insurance premiums, credit card charges or administration fees payable by you) More than 70 days Full Deposit (including any Balance of Deposit due) 29 - 70 days 50% of Accommodation Cost or Full Deposit (including any Balance of Deposit due), whichever is the greater. 15 - 28 days 75% of Accommodation Cost 14 days or less 90% of Accommodation Cost On arrival date or later Full Accommodation Cost Thanks Bobbyh

Hi I was wondering if someone could answer questions for me. About 2/3 months ago we booked a week away in a country cottage and paid a low deal £25 deposit. We aren't due to go until end of August but now need to cancel because finances have taken a hit! On this website they say cancellations greater than 70 days from holiday start date mean we have to pay the full deposit, which is about £300, unless you have suffered one of their conditions like redundancy, death etc. If I cancel the holiday I do not mind losing the £25 deposit. What I don't want to do is pay £300 when I have given them 6 months notice of cancellation! What can they do to get this £300 off me? Any help would be appreciated. BobbyH

It was unjust and unfair prior to 24/10/2004, however this date is the date the FSA started regulating mortgages and according to them can only investigate from this date!