Thanks for that I will just start over again. Not holding my breath but you never know

Of the PPI forum or straight HFC?

Hi guys Good news Natwest have settled my PPI claim to the tune of £12,500 dx in answer to your question regarding have cheques been cashed not as yet. Interestingly enough, I have sent failed SAR request out to HFC and Nat West and one of them (not sure which yet) has refused to sign for my recorded delivery letter! I am fairly sure it's going to turn out to be HFC. Does anyone have address for HFC PPI claims. I sent my letter to the branch I took loan out with but I am wondering if I should have sent it elsewhere

Thanks a lot as always

Hi Have heard from Nat West who are assessing my PPI claim so just waiting now. However I have not received any acknowledgement on my SAR request from either Nat West or HFC. It;s more than 40 days since I sent them the request. What do I do now?

Many thanks one up to me. Husband said I was wrong and should be deducting the PPI element before making calculation. Many thanks for your support. FOS questionairre filled in for loan one and I am now doing same for loan 2

Hi again Just a quick question. When looking to determine the amount of PPI rolled over from loan 1 into loan 2, do I apply the percentage figure to total monthly repayment figure for loan 2 (loan repayment and PPI) or just the loan amount minus the PPI payment for loan 2?

Yes they were large loans. Thanks so much for the help ims ..................... you rock Now on to HFC and I might just SAR Natwest for earlier loans not that I am holding my breath Will let you know how I get on and expect a donation if all goes according to plan

Ok hope this comes out ok Natwest 2.xls

Ok I am all done but cant get the spreadsheet to convert to PDF. Told you I was somewhat blonde. I am not sure why I can't save the sheet as a PDF. Any suggestions?

Ok I have filled in the spreadsheet as you directed me to. What Next ?

Ok I will get onto it tomorrow. It's late now but I will give you a shout when I have done what you said Thanks so much

Actually I am now very confused reading the information on paperwork for loan 2. I am sure somewhere in there is the information allowing us to work out what the rebate was on loan 1 but it's as clear as mud to me I don't have access to a scanner to upload the document to see if you can make any sense of it.

Yes I think so. I can't really remember but I think I did

It gives break down of loan and PPI separately. In fact both do

Hi Thanks for the quick reply. Yes I have the agreement for the second loan - it's a typed customer copy. I returned a similar copy to the bank at the time I took out the loan. I have read the information in your signature. Very informative but I am still going to need your help as the second loan contained PPI rolled over from the first loan (I assume) and so it isn't so straightforward Thanks in anticipation

Hi Although I have been a member for sometime, I am a total novice at actually acting/reclaiming anything so would be grateful if someone could hold my hand and talk me through what I need to do. My issues are these: 1. I took out a loan with HFC bank in 2004. I do not have any if the paperwork but do have an old credit report that clearly shows the date loan started' the amount of the loan and repayments of said loan. I know that there was PPI involved as when I settled the loan I was suprised at how little of the premium was refunded. How do I go about getting this information? 2) I have found paperwork relating to 2 Nat West loans, both with PPI on them. The first loan started in 2003 and I have a copy of the credit agreement with all the details. The second loan started in 2006 and part was used to repay the previous loan. This also had PPI on it. I have copies of bank statements back to 2005 showing loan payments. How do I go about reclaiming the PPI? I was never asked in any of these instances if I actually needed the protection but was advised it was wise to take it out. I am in fact a public sector worker with good sick pay provision and would receive full pay for 6 months and half pay for another 3 months. I did claim on the PPI with Nat West when I was ill but the fact still remains that I did not actually need it in order to be able to make my repayments. I would be grateful for any help or advice you can give me

HI again Was going to send statute barred letter tomorrow but in meantime we have had another letter. Usual crap from them as far as I can make out except this one says about originating address. The address quoted in the address my husband lived at until 5 years ago but the Lloyds account Lowells claim they bought was never used at that address as far as he can remember. The account was linked to a mortgage he had at a previous address over 8 years ago now. The thing is, he is almost positive but not 100% positive that he did not have any written communication from Lloyds and that he did not pay anything off said account while at the address Lowells cited. If he did not then yes it's statute barred but he is now beginning to doubt himself. Should we still send the statute barred letter anyway and see what they come up with? I have no doubt they will pass it on to Red Debt if we claim statute barred etc.

Ok cheers. Stat barred it is then and will ask you guys what to do next if they come back saying it isn't

Ok so heres how i see it. My husband does not dispute he once held a Lloyds account. He has no paper work relating to this though as it is so long ago which is why I think PossVox's suggestion of statute barred letter is likely to be best approach. If they come back and say it isn't statute barred will he have any other path open to him? Can we insist Lowells show us evidence that there has indeed been contact/activity within last 6 years? I sure as hell wouldn't simply take their word for it. Am concerned they will simply pass this on then to another of their very reputable companies!

I am well puzzled now. My husband just rang Lloyds themselves to make a complaint about them selling this on without bothering to speak to him about it. He gave them the account reference number (their one not Lowells) and Lloyds said they cannot pull up anything on this account because he does not have sort code reference. They claim they cannot find any information about this WTF is going on:confused:

Funnily enough my husband is also in contact with Westcott over statute barred debt. He wrote to them on 27th March and letter was signed for on 28th. Nothing from them as yet. Do they usually respond and if so how long does it take them?

Thanks PossVox Would claiming statute barred on this issue actively place Lowells claims in dispute unless they can prove otherwise? As I said he is fairly certain this matter is over 6 years old but we fully expect Lowells to claim a payment has been made on the account within time frame. I read that they themselves make payment when they buy it from OC and will then attempt to claim that YOU made it

Hi I have posted regarding this matter before but am getting more and more confused as to the best way forward My husband has received a letter from Lowells claiming they have bought an account of his from Lloyds and that he now owes them money. My husband says he has only ever had two accounts with Lloyds. 1 is a mortgage account and he is in regular contact with them over this matter and has been for the last 4 years. The other account was one they insisted he had to pay said mortgage from and he believes this is the account that Lowells may have "bought" He was not aware there was anything owing on it. After all Lloyds have known where he is for last 4 years and have not made any attempt to discuss any alleged problem with this account. I believe I am right in saying that a bank account is not governed by CCA and so it's pointless CCA'ing Lowells. My husband is however pretty sure that the account in question has not been used in well over 6 years (more like 8) and he has had no correspondence in this time. I understand that he can claim this is now a statute barred situation and that the onus is then on Lowells to prove otherwise. If he goes down this route does this place Lowell's claims in dispute unless they can prove it is not statute barred? How long do we reasonably have to give them? Also I want to make sure that unless they can prove it is NOT statute barred that they do not pass it on to anyone else (either any outside agency or indeed one of their other many guises that they regularly use) Please advise me what to do.

Just an update on this matter My husband spoke to the Credit Reference Agency who said that there is an awful lot of this type of thing with British Gas. So much that they have people who deal directly with British Gas on the behalf of clients He was passed onto someone who is going to contact British Gas for him and attempt to get the entry on his report removed :grin: