Thanks, but I don't have all my statements, I'm still missing two that they haven't sent me. My last letter offered them 2 weeks to send me the missing statements.. so wait for 2 weeks then go straight in with an SAR?

yes I understand that... trouble is, that a hell of a lot of £10's, when you're on benefits!

Thanks for that. Just a quick question.... The credit card is with Lloyds TSB, and I am going to be setting in motion a bank charge claim on both my current account, and any other account I can.(I have had 3 business accounts with them all together in the last 6 years) Can I send just one SAR for ALL my accounts with Lloyds including the credit card account, or do I have to send separate ones? (and more importantly several £10's!!) One business account was actually a Ltd Co, but I was a guarantor, and am left liable for £2,500 of that overdraft. The company no longer exists. Does this make a difference?

also very quickly... how should I word a letter to them then?

Thanks for that.. but I'm wondering does it make a difference that there was a gap between the two? As I said, I rushed into a new insurer on line as I thought I was uninsured.. and had been for a couple of weeks or so...

I originally stated looking at these forums to get advice about an insurance problem, and support for re-claiming bank charges... however, the more I look, the more I wonder if there isn't far more I can do to straighten our my finances!!! A bit of back ground. I have been self employed for 18 years, however I occasionally have short periods of being employed. And this is where it might get confusing. So my question is, is it possible to request documentation relating to PPI's from financial institutions in the same way you can request information about charges and credit agreements? In order to decide whether I can reclaim I am going to need to see what was sold to me when... How does one set about finding out about the PPI one was sold from Financial Institutions? And to whom does one apply? I have just repaid a car loan to Direct Auto Finances, and my hunch would be it had a BIG PPI, and I am pretty sure I was completely self employed (which is one of the reasons I had to use them!) but how do I find out for sure if I no longer have the original documentation? Lloyds TSB credit card the same.... Thanks in advance

What a jolly good piece of advice! Thanks!

Although I have been aware of the bank charges thing for a while, I hadn't before today connected them to my problems with Cap 1, and have been going off down a different route, and now I am wondering what to do for the best, and would be grateful for anyone's input. In order to prevent late payment charges (of which I had many!) in May last year I set up a direct debit mandate with them for the minimum amount. I also moved, (and notified them of my new address) In Oct I realised my card had expired, and no new one had been sent. I also realised I had not received any statement since I moved, I called them to notify them that it hadn't arrived, and to confirm that they were actually sending stuff to my new address, but to my surprise was put straight through to Customer Collections! Apparently it hadn't been sent out because I was over my limit. "How so, you have a D/D mandate, and have been taking money every month, how can I be over my limit?" (I haven't used the card for purchases at all) Because, I was told, minimum payment means the 5% or whatever, NOT any amounts required to bring the account back under the agreed limit. And I should look at my statements, then I should know. "What statements??" said I. So, during that conversation I was assured I would be sent all my missing statements. A month later I had the same conversation on the phone, however this time they assured me that "copy statements" would be sent. I only got 2, 3 are still missing.However since my conversation I have been receiving current statements, which clearly state "minimum payments" of an amount which INCLUDES an amount to bring the account under the limit again.. so why don't they take this clearly stated "minimum amount" in d/d's???? I have now written to them twice, asking them to close the account and freeze all interest etc on the account, whilst this matter is looked into and have had no reply.Each months statement includes additional PPI and late payment fees. My last letter, sent 2 days ago gave them 14 days to respond before I contacted the FSA. So, my question is, should I scrap this line of attack completely and simply go the "normal" way by sending another request via DPA? All advice gratefully received!

The last year has been a total nightmare for me, having been ill for most of it.. I am giving this information as it goes someway to explain my total confusion over my financial affairs (you will find my pen name under many threads on this site!) This query relates to car insurance.I took out a new car insurance policy last year in November, in a bit of a blind panic as I realised my last insurance had run out a few weeks earlier. For speed I applied to a different company on line. All sorted (I thought) A couple of weeks ago I had to call my current insurers to change bank account details (to my parachute account!) and as a side comment was told that my next payment would be substantially higher as I hadn't yet replied to their request for proof of my no claims bonus. This lead to to call my old insurers who then told me I owed them money! How so I wondered? Because they had automatically renewed my insurance! They did write to me (apparently) to warn me and give me time to cancel if required, however I have moved from that address, so did not receive it. They them told me that the current resident had kindly returned all letters to them with "gone away" AND replied to them when they sent HIM a letter asking him where I was! In order to get my valuable proof of no claims, I paid up, (£56) but my question is, is there any value in me pursuing this? I asked the advisor on the phone where it stated in any documentation they have sent me that the policy would automatically renew and she said it would be "somewhere". It is not (at least no where I can see it!) I ALSO had a problem similar to this the last time I renewed, but the other way about! For YEARS I have been with the same insurance company, and they HAD always simply renewed it in the past. However, their policy CHANGED, so again, I found I had been driving around uninsured... the only way I found out that was wondering why the d/d had not been taken from my account! I therefore had reason to believe it was NOT an automatic renewal! So, is it worth me doing anything more about this? They say I should have notified them of a change of address (point taken) BUT they knew I had moved, and the policy was coming to an end anyway? Advice gratefully received

Thanks for that! Well, I have spent the last few hours looking around the forums and it to be honest I am bemused! There's so much information my head is spinning!Or maybe its because I have several things all on the go at the moment, I am struggling to know where to start! Could someone point me in the right direction? I am clear about where to post with reference my bank charges and Lloyds TSB credit card, but what about my Capital One Credit card? Which section should I post that under? Thanks:?

Thanks for that saintly.. however your link doesn't appear to work! Can you "spell it out" for me please? Thanks

Hi all, I actually found this site whilst doing research on a company that has just offered me a job.... my mid week euphoria has had the shine knocked off it I will say.. unfortunately my gut was right, and they do appear to be a load of cowboys.... which is a shame, cause I could really do with the money! However, the silver lining is, having browsed the threads, I can think of many ways the wealth of information and experience here will be of benefit to me as I start the process of sorting out my finances thrown into disarray over the last (and worst!) 8 years of my life! I am patiently waiting for the outcome of the bank charges ruling, as my own rough estimation tells me, I could be looking at being able to claim back a serious amount of money if it goes in the consumer's favour...have parachute account, will jump if neccessary! In the meantime, I have had a problem with car insurance which I would like to pursue. It relates to automatic renewals, so I will take some time to look for the appropriate place to post. Also a problem with a Capitol One card, again, I'll spend time finding the right place to post my problem with that... Finally, if anyone knows of a job for an ETHICAL direct sales person (and yes, there IS such an animal!) I would be happy to hear from you!